Credit union · NCUA insured
MyPoint Credit Union CD Rates
MyPoint Credit Union’s best CD rate is 4.25% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How MyPoint Credit Union’s CD rates compare
Compared with banks and credit unions near San Diego, CA, where MyPoint Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MyPoint Credit Union
4.25%APY
- Term
- 9–60 months
- Minimum
- $1,000
- Earns on $10,000
- —
MyTerm CD
Top rate
California Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $488
2nd-highest rate
San Diego Firefighters Federal Credit Union
4.45%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $445
MyPoint Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.25%
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 MyPoint 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.
MyTerm CD
4.25%APY · 1 term
Membership required. New money only. Member selects term between 9 and 60 months at opening. At maturity, automatically converts to a non-promotional 1-year Share Certificate. Early withdrawal penalties apply. No liquid option.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9–60 monthsNew money only. Member selects term between 9 and 60 months at opening. Dividend paid monthly | 4.25% | $317 |
Share Certificate
Up to 4.00%APY · 11 terms
Membership required. Early withdrawal penalties may apply. Total subsequent deposits on 1-year add-on limited to $25,000. 5-month Liquid allows penalty-free withdrawals and deposits with no maximum balance.
| Term | APY · $50 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividend paid at maturity | — | 2.00% | 2.00% | $50 |
| 5 monthsDividend paid at maturity. At maturity, funds convert to a non-promotional 1-year Share Certificate | — | 4.00% | 4.00% | $165 |
| 5 monthsLiquid certificate: penalty-free withdrawals and deposits, no maximum balance. Dividend paid at maturity. At maturity, converts to a non-promotional 1-year Share Certificate | — | 3.75% | 3.75% | $155 |
| 6 monthsDividend paid at maturity | — | 2.10% | 2.10% | $104 |
| 7 monthsDividend paid monthly. At maturity, funds automatically convert to a non-promotional 6-month Share Certificate. Promotional rate | — | 2.75% | 2.75% | $160 |
| 8 monthsDividend paid at maturity. At maturity, funds automatically convert to a non-promotional 1-year Share Certificate. Promotional rate | — | 2.84% | 2.84% | $188 |
| 12 monthsAdd on certificate: total subsequent deposits are limited to $25,000 over the term. Dividend paid monthly | 2.63% | — | 2.63% | $263 |
| 18 monthsDividend paid monthly | — | 3.25% | 3.25% | $491 |
| 24 monthsDividend paid monthly | — | 3.25% | 3.25% | $661 |
| 36 monthsDividend paid quarterly | — | 3.25% | 3.25% | $1,007 |
| 48 monthsDividend paid quarterly | — | 3.07% | 3.07% | $1,286 |
| 60 monthsDividend paid quarterly | — | 3.15% | 3.15% | $1,677 |
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 11 terms
Membership required. Early withdrawal penalties may apply; early withdrawal may result in tax liabilities. Available as Traditional, Roth, and Transfer IRA Certificates.
| Term | APY · $50 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsDividend paid at maturity. At maturity, funds convert to a non-promotional 1-year IRA Certificate | — | 4.00% | 4.00% | $165 |
| 5 monthsLiquid certificate: penalty-free withdrawals and deposits, no maximum balance. Dividend paid at maturity. Early withdrawal may result in tax liabilities. At maturity, converts to a non-promotional 1-year IRA Certificate | — | 3.75% | 3.75% | $155 |
| 6 monthsDividend paid at maturity | — | 2.10% | 2.10% | $104 |
| 7 monthsDividend paid monthly. At maturity, funds convert to a non-promotional 1-year IRA Certificate. Promotional rate | — | 2.75% | 2.75% | $160 |
| 8 monthsDividend paid at maturity. At maturity, funds convert to a non-promotional 1-year IRA Certificate. Promotional rate | — | 2.84% | 2.84% | $188 |
| 9–60 monthsMyTerm IRA Certificate: new money only. Member selects term between 9 and 60 months at opening. Dividend paid monthly. At maturity, automatically converts to a non-promotional 1-year IRA Certificate | — | 4.25% | 4.25% | $317 |
| 12 monthsDividend paid monthly | 2.63% | — | 2.63% | $263 |
| 18 monthsDividend paid monthly | — | 3.25% | 3.25% | $491 |
| 24 monthsDividend paid quarterly | — | 3.25% | 3.25% | $661 |
| 36 monthsDividend paid quarterly | — | 3.25% | 3.25% | $1,007 |
| 48 monthsDividend paid quarterly | — | 3.07% | 3.07% | $1,286 |
| 60 monthsDividend paid quarterly | — | 3.15% | 3.15% | $1,677 |
Who can join MyPoint Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, or worships in San Diego and Riverside Counties.
Family and household
- Immediate family members of existing members are eligible to join.
Membership information collected October 5, 2026.