Credit union · NCUA insured
SLO Credit Union CD Rates
SLO Credit Union’s best CD rate is 3.45% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How SLO Credit Union’s CD rates compare
Compared with banks and credit unions near San Luis Obispo, CA, where SLO Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SLO Credit Union
3.45%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $100
- Earns on $10,000
- $171
Certificate Account
Top rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $321
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
SLO Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo2.83%
- 31–60 months31–60 mo2.32%
- QualifiedQualified3.45%
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 SLO 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 Account
Up to 3.45%APY · 6 terms
Minimum deposit of $100 required. APY assumes dividends remain in account until maturity. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.45% | $171 |
| 12 months | 3.03% | $303 |
| 24 months | 2.83% | $574 |
| 36 months | 2.32% | $712 |
| 48 months | 1.81% | $744 |
| 60 months | 1.81% | $938 |
Sources (1)
- slocu.com/certificates-2 · captured Oct 6, 2026
Who can join SLO Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in San Luis Obispo County are eligible for membership.
- Individuals who regularly work in San Luis Obispo County are eligible for membership.
Military, government and schools
- Individuals who attend school in San Luis Obispo County are eligible for membership.
Family and household
- Immediate family members of existing members (spouses, children, parents, grandparents, and grandchildren, including step or adoptive relationships) are eligible for membership.
Cost to join
- Membership requires opening a SLO Savings account with a $5.00 minimum deposit.
Membership information collected October 5, 2026.