Credit union · NCUA insured
Torrance Community Credit Union CD Rates
Top CarrotTorrance Community Credit Union’s best CD rate is 3.21% APY on a 1-year share certificate (CD). Terms run from 1 month to 2 years. Rates checked October 16, 2026.
How Torrance Community Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Torrance Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Torrance Community Credit Union
3.21%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $321
Certificates
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
Torrance Community Credit Union CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo3.10%
- 9–15 months9–15 mo3.21%
- 16–30 months16–30 mo3.12%
- QualifiedQualified3.21%
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 Torrance Community 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.
Certificates
Up to 3.21%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 0.90% | $7 |
| 2 months | 1.31% | $22 |
| 3 months | 1.71% | $42 |
| 6 monthsDividends paid monthly | 3.10% | $154 |
| 9 monthsDividends paid monthly | 3.15% | $235 |
| 12 monthsDividends paid monthly | 3.21% | $321 |
| 18 monthsDividends paid monthly | 3.12% | $472 |
| 24 monthsDividends paid monthly | 3.05% | $619 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Certificates
3.21%APY · 1 term
Available in Traditional IRA and Roth IRA wrappers
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid monthly | 3.21% | $321 |
Sources (1)
- torranceccu.org/personal-banking/account-rates · captured Sep 16, 2026
Kids Club
3.10%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly | 3.10% | $154 |
Sources (2)
All captured Sep 16, 2026
Teen Club
3.10%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly | 3.10% | $154 |
Sources (2)
All captured Sep 16, 2026
Who can join Torrance Community 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 or works in Torrance, Redondo Beach, the Palos Verdes Peninsula, Hawthorne, Lawndale, or Lennox.
Cost to join
- A $5 deposit into a share savings account is required to open membership.
Membership information collected October 5, 2026.