Credit union · NCUA insured
Vida Federal Credit Union CD Rates
Top CarrotVida Federal Credit Union’s best CD rate is 4.20% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Vida Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Riverside, CA, where Vida Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vida Federal Credit Union
4.20%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $456
13 Month Certificate Special (New Money)
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
CU SoCal
4.50%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $920
Vida Federal Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.11%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.20%
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 Vida Federal 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.
13 Month Certificate Special (New Money)
4.20%APY · 1 term
13-month special: new money only. At least 50% of the balance, or a minimum of $10,000, must come from another institution or as a cash deposit. Early withdrawal penalty 90 days. Dividend rate 4.11%. Automatically renews to then-current 12-month certificate at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsNew money only. At least 50% of the balance, or a minimum of $10,000, must come from another institution or as a cash deposit. Early withdrawal penalty 90 days. Dividend rate 4.11% | 4.20% | $456 |
Sources (1)
- vidafcu.org/rates · captured Oct 16, 2026
Certificates of Deposit
Up to 4.00%APY · 9 terms
Terms from 3 to 60 months. Dividends paid monthly and may be added to certificate or paid out to another Vida account. Upon maturity, 7 calendar day grace period to renew, change terms/balance, or withdraw without penalty; otherwise auto-renews at prevailing rate. Early withdrawal penalties apply. $0 monthly fee.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty 60 days of dividends. Dividend rate 2.67% | — | — | 2.71% | 2.71% | $67 |
| 6 monthsEarly withdrawal penalty 60 days of dividends. Dividend rate 3.06% | — | 3.11% | — | 3.11% | $154 |
| 9 monthsEarly withdrawal penalty 60 days of dividends. Dividend rate 3.24% | 3.29% | — | — | 3.29% | $246 |
| 12 monthsEarly withdrawal penalty 90 days of dividends. Dividend rate 3.73% | 3.80% | — | — | 3.80% | $380 |
| 18 monthsEarly withdrawal penalty 90 days of dividends. Dividend rate 3.75% | 3.82% | — | — | 3.82% | $578 |
| 24 monthsEarly withdrawal penalty 180 days of dividends. Dividend rate 3.78% | 3.85% | — | — | 3.85% | $785 |
| 36 monthsEarly withdrawal penalty 180 days of dividends. Dividend rate 3.79% | 3.86% | — | — | 3.86% | $1,203 |
| 48 monthsEarly withdrawal penalty 180 days of dividends. Dividend rate 3.83% | 3.90% | — | — | 3.90% | $1,654 |
| 60 monthsEarly withdrawal penalty 180 days of dividends. Dividend rate 3.92% | 4.00% | — | — | 4.00% | $2,167 |
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 6 terms
IRA share accounts and IRA certificates are available for Traditional, Roth and Education IRAs and earn the matching term rates. IRA wrapper affects tax treatment, not the dividend rate. Minimum deposit $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty 90 days of dividends. Dividend rate 3.73%. Matches 1 year certificate rate | 3.80% | $380 |
| 18 monthsEarly withdrawal penalty 90 days of dividends. Dividend rate 3.75%. Matches 18 months certificate rate | 3.82% | $578 |
| 24 monthsEarly withdrawal penalty 180 days of dividends. Dividend rate 3.78%. Matches 2 years certificate rate | 3.85% | $785 |
| 36 monthsEarly withdrawal penalty 180 days of dividends. Dividend rate 3.79%. Matches 3 years certificate rate | 3.86% | $1,203 |
| 48 monthsEarly withdrawal penalty 180 days of dividends. Dividend rate 3.83%. Matches 4 years certificate rate | 3.90% | $1,654 |
| 60 monthsEarly withdrawal penalty 180 days of dividends. Dividend rate 3.92%. Matches 5 years certificate rate | 4.00% | $2,167 |
Who can join Vida Federal 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 persons who live, work (or regularly conduct business in), worship, or attend school in San Bernardino County, California.
- Membership is open to business and other legal entities, incorporated and unincorporated organizations located in, or maintaining a facility located in San Bernardino County, California.
Employers and groups
- Membership is open to individuals or businesses who participate in associations headquartered in San Bernardino County.
- Membership is open to employees of the credit union.
- Membership is open to organizations of eligible persons.
Family and household
- Membership is open to immediate family or household members of eligible persons.
3 more ways to join
Family and household
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to individuals or businesses who participate in programs to alleviate poverty or distress.
- Membership is open to community volunteers.
Membership information collected October 5, 2026.