Credit union · NCUA insured
Nikkei Credit Union CD Rates
Nikkei Credit Union’s best CD rate is 3.20% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Nikkei Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Nikkei Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Nikkei Credit Union
2.78%APY
- Term
- 6 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $138
Term Share Certificate Accounts
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Nikkei Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo2.68%
- 31–60 months31–60 mo2.68%
- QualifiedQualified2.78%
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 Nikkei 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.
Jumbo Term Share Certificate Accounts
Up to 3.20%APY · 4 terms
All rates are based on account balance. Withdrawals may not reduce to less than 50% of the original balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.20% | — |
| 12 months | 3.20% | — |
| 24 months | 3.09% | — |
| 36 months | 3.09% | — |
Sources (1)
- nikkeicu.org/rates · captured Sep 16, 2026
Flex Term Share Certificate Accounts
Up to 2.99%APY · 1 term
All rates are based on account balance. For Flex Certificates: Withdrawals may not be reduced to less than the minimum balance of $100,000 or $250,000.
| Term | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months12 Months with 2 Withdrawals | 2.78% | 2.99% | —2.78% from $50k2.99% from $100k | — |
Sources (1)
- nikkeicu.org/rates · captured Sep 16, 2026
Term Share Certificate Accounts
Up to 2.78%APY · 4 terms
All rates are based on account balance. Withdrawals may not reduce to less than 50% of the original balance.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 2.78% | 2.89% | 2.99% | 2.78%2.89% from $25k2.99% from $50k | $138 |
| 12 months | 2.78% | 2.89% | 2.99% | 2.78%2.89% from $25k2.99% from $50k | $278 |
| 24 months | 2.68% | 2.78% | 2.89% | 2.68%2.78% from $25k2.89% from $50k | $543 |
| 36 months | 2.68% | 2.78% | 2.89% | 2.68%2.78% from $25k2.89% from $50k | $826 |
Who can join Nikkei Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons of Japanese ancestry and their immediate family living in Los Angeles and Orange Counties.
Employers and groups
- Qualify by making a donation to PIDF or JACCC.
- Gardening, landscaping, horticulture, and nursery professionals/employees in Orange County, their family members, and organizations.
- Employees and members of the Japanese American Cultural and Community Center, Los Angeles, California.
- Philippine Independence Day Foundation, Inc. (PIDF).
Military, government and schools
- Members of Troy Philippines of University of Southern California.
3 more ways to join
Family and household
- Family members or household members of an existing Credit Union member.
Other ways
- Businesses owned by, or associations of, individuals qualifying for credit union membership.
- Other credit unions organized under Federal or State Laws.
Membership information collected October 5, 2026.