Credit union · NCUA insured
Santa Barbara Teachers FCU CD Rates
A $309.6M credit union headquartered in Santa Barbara, CA, with 9,188 members and 3 branches in California.
How Santa Barbara Teachers FCU’s CD rates compare
Compared with banks and credit unions near Santa Maria, CA, where Santa Barbara Teachers FCU has the most branches. $10,000, best rate first.
This credit union’s best
Santa Barbara Teachers FCU
3.29%APY
- Term
- 12 months
- Minimum
- $0
- Earns on $10,000
- $329
IRA 12-month Certificate
Top rate
Kinecta
4.35%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $660
2nd-highest rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $321
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA 12-month Certificate
3.29%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompound Quarterly | 3.29% | $329 |
Sources (1)
- sbtfcu.org/accounts/account-services/deposit-rates · captured Sep 16, 2026
Who can join Santa Barbara Teachers FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of approved independent schools are eligible for membership.
- Membership is open to all public school district employees in Santa Barbara County.
Family and household
- Family members (grandparents, parents, husband, wife, brothers, sisters, children and grandchildren) of members may join.
Cost to join
- A minimum deposit of $25 is required.
- A membership fee of $5 is required.
Membership information collected October 5, 2026.