Credit union · NCUA insured
Schools Federal Credit Union CD Rates
Schools Federal Credit Union’s best CD rate is 4.04% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Schools Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Schools Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
Relationship Certificate
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
3rd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Schools Federal Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.13%
- 9–15 months9–15 mo3.92%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.57%
- QualifiedQualified5.90%
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 Schools 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.
Relationship Certificate
5.90%APY · 1 term
Named 12-month promotional certificate. Additional deposits permitted anytime. Product page: minimum deposit $5,000, maximum $100,000. Qualification: $500 minimum in Primary Share Account (suffix 000); $250 average checking balance; direct deposit/payroll deduction of at least $500 a month; $7,500 minimum combined loan balances. Dividend-sheet footnote (D) instead lists $500 share savings, $500 share checking, $7,500 combined loans, e-Statements, and maximum deposit $100,000. Terms apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRelationship qualifications required (share, checking, direct deposit/payroll, combined loans; e-Statements on dividend sheet). Additional deposits allowed. Rate tables show the same 5.75%/5.90% in both under- and over-$90,000 columns | 5.90% | $590 |
Term Share Certificate
Up to 3.92%APY · 7 terms
Term Share Certificates (certificates of deposit). Early withdrawal penalty. Certificate rates are contracted at opening and upon renewal; compounded and paid monthly. Options to increase the dividend based on balance and relationship. Rates and terms subject to change without notice.
| Term | APY · $500 – $89,999 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty | — | 3.24% | —3.24% from $90k | — |
| 6 monthsDividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty. Note: loan-rates page table lists 3.14% APY for this tier while the dividend schedule lists 3.13% APY | 3.13% | — | 3.13% | $155 |
| 12 monthsDividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty | 3.92% | 4.04% | 3.92%4.04% from $90k | $392 |
| 18 monthsDividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty | 3.83% | 3.98% | 3.83%3.98% from $90k | $580 |
| 24 monthsDividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty | 3.83% | 3.98% | 3.83%3.98% from $90k | $781 |
| 36 monthsDividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty | 3.57% | 3.66% | 3.57%3.66% from $90k | $1,110 |
| 48 monthsDividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty | 3.57% | 3.66% | 3.57%3.66% from $90k | $1,506 |
| 60 monthsDividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty | 3.46% | 3.61% | 3.46%3.61% from $90k | $1,854 |
Sources (3)
- schoolsfcu.org/wp-content/uplo…026/09/09-2026-v-9-3.pdf
- schoolsfcu.org/loan-rates
- schoolsfcu.org/term-certificates
All captured Oct 16, 2026
20-Month Promotional Certificate
4.00%APY · 1 term
Promotional certificate. Additional deposits allowed. Same published rate on both balance columns. Home page markets 4% APY with 3.93% as the companion rate. Promotional footnote also states maximum deposit $100,000 and relationship-style minimums that the product pages attach more clearly to the Relationship Certificate.
| Term | APY · $500 – $89,999 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 20 monthsPromotional 20-month certificate. Additional deposits allowed. Marked BEST APY on the Term Certificates page | 4.00% | — | 4.00% | $676 |
| 20 monthsPromotional 20-month certificate. Additional deposits allowed. Same rate as the under-$90,000 column. Marked BEST APY on the Term Certificates page | — | 4.00% | —4.00% from $90k | — |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 3.92%APY · 7 terms
Official certificate schedule applies to Traditional IRA, Roth IRA, and Educational IRA. Traditional/Roth are tax wrappers on the same certificate terms. Early withdrawal penalty. Certificate rates contracted at opening and upon renewal; compounded and paid monthly.
| Term | APY · $500 – $89,999 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsShared Term Share / Traditional IRA / Roth IRA / Educational IRA schedule. Subject to early withdrawal penalty | 3.13% | 3.24% | 3.13%3.24% from $90k | $155 |
| 12 monthsShared Term Share / Traditional IRA / Roth IRA / Educational IRA schedule. Subject to early withdrawal penalty | 3.92% | 4.04% | 3.92%4.04% from $90k | $392 |
| 18 monthsShared Term Share / Traditional IRA / Roth IRA / Educational IRA schedule. Subject to early withdrawal penalty | 3.83% | 3.98% | 3.83%3.98% from $90k | $580 |
| 24 monthsShared Term Share / Traditional IRA / Roth IRA / Educational IRA schedule from Member Dividend Rates. Subject to early withdrawal penalty | 3.83% | 3.98% | 3.83%3.98% from $90k | $781 |
| 36 monthsShared Term Share / Traditional IRA / Roth IRA / Educational IRA schedule from Member Dividend Rates. Subject to early withdrawal penalty | 3.57% | 3.66% | 3.57%3.66% from $90k | $1,110 |
| 48 monthsShared Term Share / Traditional IRA / Roth IRA / Educational IRA schedule from Member Dividend Rates. Subject to early withdrawal penalty | 3.57% | 3.66% | 3.57%3.66% from $90k | $1,506 |
| 60 monthsShared Term Share / Traditional IRA / Roth IRA / Educational IRA schedule. Subject to early withdrawal penalty | 3.46% | 3.61% | 3.46%3.61% from $90k | $1,854 |
Sources (2)
All captured Oct 16, 2026
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