Credit union · NCUA insured
Monterra Credit Union CD Rates
Monterra Credit Union’s best CD rate is 3.25% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 6, 2026.
How Monterra Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Monterra Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Monterra Credit Union
4.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $366
Share Certificate
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Monterra Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Monterra Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.00%APY · 11 terms
Rates effective 2026-09-16. Minimum opening deposit $1,000. Rate fixed for the stated term; dividends compounded and credited monthly. Penalty for early withdrawal. Rates with Active Checking require at least one direct deposit or ACH deposit during the monthly Statement Cycle in a checking account in good standing held by primary account owner.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 0.75% | $19 |
| 3 monthsStandard Rate | 0.50% | $12 |
| 6 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 1.25% | $62 |
| 6 monthsStandard Rate | 1.00% | $50 |
| 11 monthsCertificate Special; Rate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 4.00% | $366 |
| 11 monthsCertificate Special; Standard Rate | 3.75% | $343 |
| 12 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 2.25% | $225 |
| 12 monthsStandard Rate | 2.00% | $200 |
| 18 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 2.50% | $377 |
| 18 monthsStandard Rate | 2.25% | $339 |
| 20 monthsCertificate Special; Rate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 4.00% | $676 |
| 20 monthsCertificate Special; Standard Rate | 3.75% | $633 |
| 24 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 2.75% | $558 |
| 24 monthsStandard Rate | 2.50% | $506 |
| 30 monthsCertificate Special; Rate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 4.00% | $1,030 |
| 30 monthsCertificate Special; Standard Rate | 3.75% | $964 |
| 36 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 3.25% | $1,007 |
| 36 monthsStandard Rate | 3.00% | $927 |
| 48 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 3.25% | $1,365 |
| 48 monthsStandard Rate | 3.00% | $1,255 |
| 60 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle) | 3.25% | $1,734 |
| 60 monthsStandard Rate | 3.00% | $1,593 |
Flex Certificate
3.25%APY · 1 term
12-month fixed rate certificate. Minimum opening balance and minimum balance requirement is $1,000. Allows unlimited deposits during the term and penalty-free withdrawals up to 50% of the daily available balance at start of day. Early withdrawal penalty applies to withdrawals exceeding 50% of daily available balance. Active Checking bump/rate increase is not applicable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate for 12 months; add-on deposits allowed; penalty-free withdrawals up to 50% of daily available balance; Active Checking bump not applicable | 3.25% | $325 |
Registry Certificate Account
Up to 0.45%APY · 1 term
15-month certificate. Minimum opening balance is $100.00. Additional deposits of $15.00 or more allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle); additional deposits of $15.00 or more allowed | 0.45% | $56 |
| 15 monthsStandard Rate; additional deposits of $15.00 or more allowed | 0.20% | $25 |
Sources (1)
- monterra.org/rates · captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 3.75%APY · 11 terms
Rates effective 2026-09-16. Minimum opening balance is $1,000 for Traditional and Roth IRAs, and $500 for Educational Savings Accounts (ESA). Must be opened by visiting a branch. Fixed rate for stated term; dividends compounded and credited monthly. Early withdrawal penalties apply and early IRA withdrawals may be subject to tax penalties. IRA certificates are not eligible for Active Checking dividend rate increases.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsStandard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 0.50% | $12 |
| 6 monthsStandard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 1.00% | $50 |
| 11 monthsCertificate Special; Standard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 3.75% | $343 |
| 12 monthsStandard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 2.00% | $200 |
| 18 monthsStandard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 2.25% | $339 |
| 20 monthsCertificate Special; Standard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 3.75% | $633 |
| 24 monthsStandard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 2.50% | $506 |
| 30 monthsCertificate Special; Standard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 3.75% | $964 |
| 36 monthsStandard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 3.00% | $927 |
| 48 monthsStandard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 3.00% | $1,255 |
| 60 monthsStandard Rate; Traditional and Roth IRA minimum opening $1,000, ESA minimum opening $500. IRA certificates not eligible for Active Checking bump | 3.00% | $1,593 |
Add-On IRA Certificate
Up to 2.75%APY · 1 term
24-month IRA certificate. Minimum opening balance is $2,000.00. Additional deposits of $500.00 or more are permitted at any time during the 24-month term. Must be opened by visiting a branch. Early IRA withdrawals may be subject to tax penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsRate with Active Checking; additional deposits of $500.00 or more permitted at any time | 2.75% | $558 |
| 24 monthsStandard Rate; additional deposits of $500.00 or more permitted at any time | 2.50% | $506 |
Sources (2)
All captured Oct 6, 2026
Youth Certificate
Up to 2.25%APY · 1 term
12-month certificate. Minimum opening balance is $250.00. Additional deposits of $50.00 or more allowed. Must be opened by visiting a branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle); additional deposits of $50.00 or more allowed | 2.25% | $225 |
| 12 monthsStandard Rate; additional deposits of $50.00 or more allowed | 2.00% | $200 |
Sources (2)
All captured Oct 6, 2026
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