Credit union · NCUA insured
Rancho Federal Credit Union CD Rates
Rancho Federal Credit Union’s best CD rate is 2.80% APY on a 2-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Rancho Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Rancho Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rancho Federal Credit Union
2.80%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $568
Share Certificates
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
Rancho Federal Credit Union CD score
65
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.76%
- 16–30 months16–30 mo2.80%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.80%
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 Rancho Federal 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 Certificates
Up to 2.80%APY · 5 terms
Dividends compounded monthly. Deposits federally insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.78% | $44 |
| 6 months | 2.00% | $100 |
| 12 months | 2.76% | $276 |
| 24 months | 2.80% | $568 |
| 36 months | 2.50% | $769 |
Special-purpose accounts
IRA Share Certificate
Up to 2.80%APY · 5 terms
Available as Traditional, Roth, and Coverdell Educational Savings Accounts. Federally insured to at least $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.78% | $44 |
| 6 months | 2.00% | $100 |
| 12 months | 2.76% | $276 |
| 24 months | 2.80% | $568 |
| 36 months | 2.50% | $769 |
Who can join Rancho Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of eligible partner companies, unions, and organizations served by Rancho Federal Credit Union are eligible for membership.
- Retirees of eligible partner employer and union groups are eligible for membership.
Military, government and schools
- Los Angeles County employees working at Rancho Los Amigos National Rehabilitation Center, Los Amigos Research and Education Institute, or Internal Service Department Dept #300 are eligible for membership.
Family and household
- Immediate family members and household members of current Rancho Federal Credit Union members in good standing are eligible to join.
Cost to join
- An initial deposit of at least $25.00 into regular savings is required to establish membership.
- A one-time membership fee of $5.00 is required to join.
Membership information collected October 5, 2026.