Credit union · Privately insured
South Bay Credit Union CD Rates
Top CarrotSouth Bay Credit Union’s best CD rate is 4.00% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How South Bay Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where South Bay Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
South Bay Credit Union
4.00%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $434
Share Certificate Accounts
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
South Bay Credit Union CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.70%
- QualifiedQualified4.00%
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 South Bay 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.
Share Certificate Accounts
Up to 4.00%APY · 9 terms
Minimum balance $1,000. All accounts are insured to $1,000,000 by American Share Insurance. Online-only certificate promotions are available to current members through home banking or mobile banking only. Early withdrawal penalties apply. 9-month and 13-month certificates auto-renew to a 12-month certificate at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNot available for IRA accounts | 3.45% | $85 |
| 6 months | 3.55% | $176 |
| 9 monthsNot available for IRA accounts. Auto-renews to 12-month certificate at maturity | 3.80% | $284 |
| 12 months | 3.60% | $360 |
| 13 monthsNot available for IRA accounts. Auto-renews to 12-month certificate at maturity | 4.00% | $434 |
| 24 months | 3.65% | $743 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.70% | $1,992 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.70%APY · 6 terms
Minimum balance $1,000. Applicable to Traditional and Roth IRA certificate accounts. All accounts are insured to $1,000,000 by American Share Insurance. Online-only certificate promotions are available to current members through home banking or mobile banking only. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.60% | $360 |
| 24 months | 3.65% | $743 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.70% | $1,992 |
Sources (1)
- southbaycu.com/rate-and-fee-schedule · captured Sep 25, 2026
Who can join South Bay 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, works, or worships in the South Bay community of Los Angeles County.
Membership information collected October 5, 2026.