Credit union · NCUA insured
SchoolsFirst FCU CD Rates
Top CarrotSchoolsFirst FCU’s best CD rate is 4.30% APY on a 19-month share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How SchoolsFirst FCU’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where SchoolsFirst FCU has the most branches. $10,000, best rate first.
This credit union’s best
SchoolsFirst FCU
4.30%APY
- Term
- 19 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $689
Promotional Share Certificate
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
SchoolsFirst FCU CD score
93
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.30%
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 SchoolsFirst FCU 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.
Promotional Share Certificate
Up to 4.30%APY · 2 terms
Available for a limited time. Promotional rate good for initial term only. At maturity, account automatically renews into a standard term certificate for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6-Month Add-On Promotional Share Certificate. Additional deposits up to the initial opening deposit amount can be made at any time without penalty | 4.10% | $203 |
| 19 months19-Month Promotional Share Certificate | 4.30% | $689 |
Sources (1)
- schoolsfirstfcu.org/rates/dividend · captured Oct 16, 2026
Share Certificate
Up to 4.10%APY · 9 terms
At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
| Term | APY · $500 and up | APY · $20,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 1 month30 days term | 3.15% | 3.20% | 3.25% | 3.30% | 3.35% | 3.15%3.20% from $20k3.25% from $50k3.30% from $100k3.35% from $250k | $26 |
| 3–5 months | 3.55% | 3.60% | 3.65% | 3.70% | 3.75% | 3.55%3.60% from $20k3.65% from $50k3.70% from $100k3.75% from $250k | $88 |
| 6–11 months | 3.85% | 3.90% | 3.95% | 4.00% | 4.05% | 3.85%3.90% from $20k3.95% from $50k4.00% from $100k4.05% from $250k | $191 |
| 12–17 months | 3.95% | 4.00% | 4.05% | 4.10% | 4.15% | 3.95%4.00% from $20k4.05% from $50k4.10% from $100k4.15% from $250k | $395 |
| 18–23 months | 4.00% | 4.05% | 4.10% | 4.15% | 4.20% | 4.00%4.05% from $20k4.10% from $50k4.15% from $100k4.20% from $250k | $606 |
| 24–35 months | 4.00% | 4.05% | 4.10% | 4.15% | 4.20% | 4.00%4.05% from $20k4.10% from $50k4.15% from $100k4.20% from $250k | $816 |
| 36–47 months | 4.00% | 4.05% | 4.10% | 4.15% | 4.20% | 4.00%4.05% from $20k4.10% from $50k4.15% from $100k4.20% from $250k | $1,249 |
| 48–59 months | 4.00% | 4.05% | 4.10% | 4.15% | 4.20% | 4.00%4.05% from $20k4.10% from $50k4.15% from $100k4.20% from $250k | $1,699 |
| 60 months | 4.10% | 4.15% | 4.20% | 4.25% | 4.30% | 4.10%4.15% from $20k4.20% from $50k4.25% from $100k4.30% from $250k | $2,225 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Deferred Compensation Certificate
Up to 4.50%APY · 3 terms
Limited to employees of participating school districts; penalty for early withdrawal. Minimum monthly deposit $50, payroll deposit only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 months term | 4.35% | $435 |
| 36 months36 months term | 4.40% | $1,379 |
| 60 months60 months term | 4.50% | $2,462 |
Sources (1)
- schoolsfirstfcu.org/rates/school-employee-products · captured Oct 16, 2026
IRA Share Certificate
Up to 4.20%APY · 9 terms
Traditional and Roth IRA. Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Automatically renews for the same term on the maturity date unless otherwise specified.
| Term | APY · $500 and up | APY · $20,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 1 month30 days term | 3.25% | 3.30% | 3.35% | 3.40% | 3.45% | 3.25%3.30% from $20k3.35% from $50k3.40% from $100k3.45% from $250k | $27 |
| 3–5 months | 3.65% | 3.70% | 3.75% | 3.80% | 3.85% | 3.65%3.70% from $20k3.75% from $50k3.80% from $100k3.85% from $250k | $90 |
| 6–11 months | 3.95% | 4.00% | 4.05% | 4.10% | 4.15% | 3.95%4.00% from $20k4.05% from $50k4.10% from $100k4.15% from $250k | $196 |
| 12–17 months | 4.05% | 4.10% | 4.15% | 4.20% | — | 4.05%4.10% from $20k4.15% from $50k4.20% from $100k | $405 |
| 18–23 months | 4.10% | 4.15% | 4.20% | 4.25% | 4.30% | 4.10%4.15% from $20k4.20% from $50k4.25% from $100k4.30% from $250k | $621 |
| 24–35 months | 4.10% | 4.15% | 4.20% | 4.25% | 4.30% | 4.10%4.15% from $20k4.20% from $50k4.25% from $100k4.30% from $250k | $837 |
| 36–47 months | 4.10% | 4.15% | 4.20% | 4.25% | 4.30% | 4.10%4.15% from $20k4.20% from $50k4.25% from $100k4.30% from $250k | $1,281 |
| 48–59 months | 4.10% | 4.15% | 4.20% | 4.25% | 4.30% | 4.10%4.15% from $20k4.20% from $50k4.25% from $100k4.30% from $250k | $1,744 |
| 60 months | 4.20% | 4.25% | 4.30% | 4.35% | 4.40% | 4.20%4.25% from $20k4.30% from $50k4.35% from $100k4.40% from $250k | $2,284 |
Sources (2)
All captured Oct 6, 2026
Promotional IRA Share Certificate
Up to 4.40%APY · 2 terms
Available for a limited time. Promotional rate good for initial term only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6-Month Promotional IRA Share Certificate | 4.20% | $208 |
| 19 months19-Month Promotional IRA Share Certificate | 4.40% | $706 |
Sources (1)
- schoolsfirstfcu.org/rates/dividend · captured Oct 6, 2026
College Saver Share Certificate
4.05%APY · 1 term
Available only on Junior Varsity and Varsity accounts. Must be a minor (17 years old or younger). Must have a parent/legal guardian joint owner. At age 18, converts to a regular 12-month Share Certificate at the current rate, or if balance is less than $500, converts to a Share Savings (01) account. Additional deposits can be made at any time for any amount.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum $200 required to earn advertised APY. Additional deposits can be made at any time for any amount | 4.05% | $405 |
Sources (1)
- schoolsfirstfcu.org/products/i…-saver-share-certificate · captured Oct 6, 2026
Who can join SchoolsFirst FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Children of Members related by birth, marriage, or adoption are eligible for youth membership.
Membership information collected October 5, 2026.