Credit union · NCUA insured
Water and Power Community Credit Union CD Rates
Water and Power Community Credit Union’s best CD rate is 3.55% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Water and Power Community Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Water and Power Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Water and Power Community Credit Union
3.55%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,906
Savings 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
Water and Power Community Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.15%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.55%
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 Water and Power 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.
Special 9-Month Savings Certificate
4.00%APY · 1 term
Available 9/1 - 9/30/2026. WPCCU membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsPromotional rate available 9/1/2026 - 9/30/2026 | 4.00% | $299 |
Sources (2)
All captured Sep 16, 2026
Savings Certificates
Up to 3.55%APY · 8 terms
Dividends compounded daily and paid quarterly. Subject to early withdrawal penalties. Can be used as collateral for consumer loans. Sunrise Circuit club members (retirees with qualifying direct deposit and $5,000+ in combined deposits) receive an additional 0.30% APY on terms of 2 years or longer.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $99,000 | APY · $99,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 3.05% | 3.05% | 3.05% | 3.05% | 3.05%3.05% $1k–$10k3.05% $50k–$99k3.05% from $99k | $75 |
| 6 months | 3.15% | 3.15% | 3.15% | 3.15% | 3.15%3.15% $1k–$10k3.15% $50k–$99k3.15% from $99k | $156 |
| 12 months | 3.15% | 3.15% | 3.15% | 3.15% | 3.15%3.15% $1k–$10k3.15% $50k–$99k3.15% from $99k | $315 |
| 18 months | 3.20% | 3.20% | 3.20% | 3.20% | 3.20%3.20% $1k–$10k3.20% $50k–$99k3.20% from $99k | $484 |
| 24 months | 3.25% | 3.25% | 3.25% | 3.25% | 3.25%3.25% $1k–$10k3.25% $50k–$99k3.25% from $99k | $661 |
| 36 months | 3.35% | 3.35% | 3.35% | 3.35% | 3.35%3.35% $1k–$10k3.35% $50k–$99k3.35% from $99k | $1,039 |
| 48 months | 3.45% | 3.45% | 3.45% | 3.45% | 3.45%3.45% $1k–$10k3.45% $50k–$99k3.45% from $99k | $1,453 |
| 60 months | 3.55% | 3.55% | 3.55% | 3.55% | 3.55%3.55% $1k–$10k3.55% $50k–$99k3.55% from $99k | $1,906 |
Flexible Savings Certificate
3.15%APY · 1 term
Three deposits per 6-month maturity period allowed. One in-branch withdrawal (maximum $750) per month allowed without dividend forfeiture. Early withdrawal subject to penalty. Minimum daily account balance of $5,000 required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6-month maturity. Up to 3-4 deposits allowed per 6-month period, and 1 in-branch withdrawal up to $750 per month | 3.15% | $156 |
Special-purpose accounts
IRA Certificates
Up to 3.55%APY · 8 terms
Available as Traditional or Roth IRA. Subject to early withdrawal penalties. IRA Annual Maintenance Fee of $30 applies.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $98,999 | APY · $99,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 3.05% | 3.05% | 3.05% | 3.05% | 3.05%3.05% $1k–$10k3.05% $50k–$99k3.05% from $99k | $75 |
| 6 months | 3.15% | 3.15% | 3.15% | 3.15% | 3.15%3.15% $1k–$10k3.15% $50k–$99k3.15% from $99k | $156 |
| 12 months | 3.15% | 3.15% | 3.15% | 3.15% | 3.15%3.15% $1k–$10k3.15% $50k–$99k3.15% from $99k | $315 |
| 18 months | 3.20% | 3.20% | 3.20% | 3.20% | 3.20%3.20% $1k–$10k3.20% $50k–$99k3.20% from $99k | $484 |
| 24 months | 3.25% | 3.25% | 3.25% | 3.25% | 3.25%3.25% $1k–$10k3.25% $50k–$99k3.25% from $99k | $661 |
| 36 months | 3.35% | 3.35% | 3.35% | 3.35% | 3.35%3.35% $1k–$10k3.35% $50k–$99k3.35% from $99k | $1,039 |
| 48 months | 3.45% | 3.45% | 3.45% | 3.45% | 3.45%3.45% $1k–$10k3.45% $50k–$99k3.45% from $99k | $1,453 |
| 60 months | 3.55% | 3.55% | 3.55% | 3.55% | 3.55%3.55% $1k–$10k3.55% $50k–$99k3.55% from $99k | $1,906 |
Who can join Water and Power 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
- Anyone who lives, works, worships, or attends school in the Counties of Los Angeles and San Bernardino is eligible for membership.
Employers and groups
- Members of the Los Angeles DWP Employees Association are eligible for membership.
Military, government and schools
- Employees and retirees of the Los Angeles Department of Water & Power are eligible for membership.
Family and household
- Family members of a current WPCCU member are eligible for membership.
Membership information collected October 5, 2026.