Credit union · NCUA insured
Southland Credit Union CD Rates
Southland Credit Union’s best CD rate is 9.00% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Southland Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Southland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southland Credit Union
3.65%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,963
Term 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
Southland Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo2.70%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.65%
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 Southland 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.
New Member Anniversary Special Certificate
9.00%APY · 1 term
Available to new Southland Members only. Individuals with an existing Southland account under the same Social Security number, or with a closed account within the past 12 months, do not qualify. Limit one certificate per Member/Social Security number. Automatically rolls over into a 6-month certificate upon maturity unless otherwise directed. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsLimited time only. Limit one, new Members only. $1,000 maximum deposit. Yields based on certificates held to maturity. Dividends paid monthly | 9.00% | — |
Sources (1)
- southlandcu.org/save-spend/rates-fees · captured Sep 16, 2026
Jumbo Term Share Certificate
Up to 3.75%APY · 6 terms
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.80% | — |
| 12 months | 2.90% | — |
| 24 months | 3.05% | — |
| 36 months | 3.25% | — |
| 48 months | 3.50% | — |
| 60 months | 3.75% | — |
Sources (1)
- southlandcu.org/save-spend/rates-fees · captured Sep 16, 2026
Term Share Certificate
Up to 3.65%APY · 6 terms
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates. Can be used to secure a Certificate Secured Loan.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.70% | $134 |
| 12 months | 2.80% | $280 |
| 24 months | 2.95% | $599 |
| 36 months | 3.15% | $975 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.65% | $1,963 |
Sources (2)
All captured Sep 16, 2026
Pick Your Term Promotional Certificate
3.50%APY · 2 terms
Early withdrawal penalties apply. Yields are based on certificates held to maturity. Dividends are paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsLimited Time Only. Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity | 3.50% | $261 |
| 18 monthsLimited Time Only. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity | 3.50% | $530 |
Sources (1)
- southlandcu.org/save-spend/rates-fees · captured Sep 16, 2026
Special-purpose accounts
Jumbo IRA Term Share Certificate
Up to 3.75%APY · 6 terms
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates. Annual IRA participation fee of $25.00 applies. IRA early withdrawal/closure fee of $25.00. IRA Certificates do not qualify to secure a Certificate Secured Loan.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.80% | — |
| 12 months | 2.90% | — |
| 24 months | 3.05% | — |
| 36 months | 3.25% | — |
| 48 months | 3.50% | — |
| 60 months | 3.75% | — |
Sources (3)
- southlandcu.org/save-spend/rates-fees
- southlandcu.org/save-spend/retirement-accounts
- southlandcu.org/getmedia/b6db9…chedule_01012026-web.pdf
All captured Sep 16, 2026
IRA Term Share Certificate
Up to 3.65%APY · 6 terms
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates. Annual IRA participation fee of $25.00 applies. IRA early withdrawal/closure fee of $25.00. IRA Certificates do not qualify to secure a Certificate Secured Loan.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.70% | $134 |
| 12 months | 2.80% | $280 |
| 24 months | 2.95% | $599 |
| 36 months | 3.15% | $975 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.65% | $1,963 |
Sources (3)
- southlandcu.org/save-spend/rates-fees
- southlandcu.org/save-spend/retirement-accounts
- southlandcu.org/getmedia/b6db9…chedule_01012026-web.pdf
All captured Sep 16, 2026
Pick Your Term Promotional IRA Certificate
3.50%APY · 2 terms
IRA Certificates are available. Annual IRA participation fee of $25.00 applies. IRA early withdrawal/closure fee of $25.00. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsLimited Time Only. Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity | 3.50% | $261 |
| 18 monthsLimited Time Only. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity | 3.50% | $530 |
Sources (2)
All captured Sep 16, 2026
Who can join Southland Credit Union
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