Credit union · NCUA insured
Sacramento Credit Union CD Rates
Sacramento 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 Sacramento Credit Union’s CD rates compare
Compared with banks and credit unions near Sacramento, CA, where Sacramento Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sacramento Credit Union
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
Certificate Specials
Top rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
Heritage Community Credit Union
4.40%APY
- Term
- 22 months
- Minimum
- $1,000
- Earns on $10,000
- $821
Sacramento Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.55%
- 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 Sacramento 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.
Certificate Specials
Up to 4.25%APY · 2 terms
Limited-time only. Interest compounded monthly, regardless of amount. A penalty may be imposed for withdrawals before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsThe 9-month certificate will automatically renew to a 6-month term upon maturity | 4.25% | $317 |
| 15 monthsThe 15-month certificate will automatically renew to a 12-month term upon maturity | 4.20% | $528 |
Sources (1)
- sactocu.org/certificate-special · captured Oct 16, 2026
Share Certificate
Up to 3.55%APY · 9 terms
A penalty may be imposed for withdrawals before maturity.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsIRA not Eligible | 3.00% | — | 3.00% | $74 |
| 6 months | 3.04% | 3.05% | 3.04%3.05% from $100k | $151 |
| 12 months | 3.20% | 3.25% | 3.20%3.25% from $100k | $320 |
| 18 months | 3.20% | 3.25% | 3.20%3.25% from $100k | $484 |
| 24 months | 3.25% | 3.30% | 3.25%3.30% from $100k | $661 |
| 30 months | 3.25% | 3.30% | 3.25%3.30% from $100k | $832 |
| 36 months | 3.35% | 3.40% | 3.35%3.40% from $100k | $1,039 |
| 48 months | 3.40% | 3.45% | 3.40%3.45% from $100k | $1,431 |
| 60 months | 3.55% | — | 3.55% | $1,906 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate Specials
Up to 4.25%APY · 2 terms
Limited-time only. Interest compounded monthly, regardless of amount. A penalty may be imposed for withdrawals before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsThe 9-month certificate will automatically renew to a 6-month term upon maturity | 4.25% | $317 |
| 15 monthsThe 15-month certificate will automatically renew to a 12-month term upon maturity | 4.20% | $528 |
Sources (1)
- sactocu.org/certificate-special · captured Oct 16, 2026
IRA Certificate
Up to 3.55%APY · 8 terms
A penalty may be imposed for withdrawals before maturity.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.04% | 3.05% | 3.04%3.05% from $100k | $151 |
| 12 months | 3.20% | 3.25% | 3.20%3.25% from $100k | $320 |
| 18 months | 3.20% | 3.25% | 3.20%3.25% from $100k | $484 |
| 24 months | 3.25% | 3.30% | 3.25%3.30% from $100k | $661 |
| 30 months | 3.25% | 3.30% | 3.25%3.30% from $100k | $832 |
| 36 months | 3.35% | 3.40% | 3.35%3.40% from $100k | $1,039 |
| 48 months | 3.40% | 3.45% | 3.40%3.45% from $100k | $1,431 |
| 60 months | 3.55% | — | 3.55% | $1,906 |
Sources (1)
- sactocu.org/mobile-landing-rates · captured Oct 16, 2026
Who can join Sacramento 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 open to anyone who lives in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
- Membership is open to anyone who regularly works in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
Other ways
- Membership is open to any business, corporation, or legal entity operating in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
Cost to join
- Joining requires an initial deposit of at least $25 in cash or check ($50 if opening both a Savings and Checking Account).
Membership information collected October 5, 2026.