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You are viewing rates from credit unions across California
Below are four year CD Rates from credit unions in California. Four Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.
CA - November 4, 2024
4 Year CD National Average : 0.81% ?
| Credit Unions | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.65% |
$500 |
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northcape5 | Sep 27, 2016 why have you not updated your rates Read More |
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4.35% 4.30%4.25% 4.20% |
$100,000 $50,000$20,000 $500 |
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Rate History: 4.40% → 4.55% → 4.60% → 4.35% |
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4.25% |
$200 |
- |
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Rate History: 4.00% → 4.25% → 4.00% → 4.40% → 4.25% |
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4.01% 3.85% |
$40,000 $2,500 |
- |
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Rate History: 4.17% → 4.21% → 4.06% → 4.11% → 4.01% |
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4.00% |
$1,000 |
- |
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3.85% 3.80%3.75% |
$250,000 $100,000$500 |
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Rate History: 3.95% → 3.85% |
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3.85% 3.80%3.75% |
$250,000 $100,000$500 |
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Rate History: 3.95% → 3.85% |
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3.75% 3.65% |
$100,000 $500 |
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3.75% |
$500 |
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Rate History: 4.00% → 3.75% → 4.25% → 4.00% → 3.75% |
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3.65% 3.60% |
$100,000 $1,000 |
- |
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Rate History: 3.45% → 3.80% → 3.65% |
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3.60% 3.55%3.50% 3.25% |
$100,000 $50,000$1,000 $500 |
- |
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Rate History: 3.40% → 3.60% |
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3.50% |
$1,000 |
- |
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3.45% 3.35% |
$100,000 $1,000 |
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Rate History: 2.65% → 3.70% → 3.45% |
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3.45% |
$1,000 |
- |
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3.40% |
$500 |
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Rate History: 4.40% → 4.30% → 4.00% → 3.75% → 3.40% |
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3.40% 3.25% |
$100,000 $1,000 |
- |
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Rate History: 3.15% → 3.65% → 3.40% |
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3.25% 3.20% |
$25,000 $500 |
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3.20% |
$1,000 |
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Rate History: 3.80% → 3.20% |
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Rob | Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More |
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3.20% 3.05%2.90% |
$100,000 $40,000$1,000 |
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dapatton@pacbell.net | May 12, 2016 19 what, years or months Read More |
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3.20% 3.05%2.90% |
$250,000 $100,000$10,000 |
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3.15% 3.00% |
$100,000 $1,000 |
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3.10% |
$1,000 |
- |
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Rate History: 3.20% → 3.10% |
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3.09% |
$1,000 |
- |
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jose | Jun 12, 2017 five star......great location...fast service Read More |
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3.00% |
$1,000 |
- |
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Rate History: 1.55% → 3.00% → 3.50% → 3.00% |
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3.00% |
$250 |
- |
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Rate History: 3.00% → 3.00% |
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ceblack9490@comcast.net | Feb 6, 2023 max. amt. per account thats insured under your ncua? limit on how many accts? Read More |
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3.00% |
$1,000 |
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3.00% |
$1,000 |
- |
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2.85% 2.80%2.75% 2.70% |
$100,000 $50,000$25,000 $1,000 |
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2.61% 2.56% |
$50,000 $1,000 |
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2.50% 2.25% |
$100,000 $100 |
- |
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BTM1st | Apr 19, 2021 Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriatel... Read More |
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2.10% 2.05%2.00% |
$90,000 $10,000$2,000 |
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Rate History: 1.85% → 2.10% |
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2.10% 1.30% |
$500 $50,000 |
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Rate History: 2.20% → 1.40% → 2.20% → 2.45% → 2.10% |
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2.05% 2.00%1.95% |
$100,000 $10,000$2,000 |
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2.00% |
$1,000 |
- |
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1.90% |
$500 |
- |
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Rate History: 2.30% → 2.10% → 2.00% → 1.90% |
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1.45% |
$100,000 |
- |
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1.45% |
$10,000 |
- |
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1.35% |
$100,000 |
- |
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1.30% |
$100,000 |
- |
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1.26% |
$100,000 |
- |
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1.25% |
$10,000 |
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1.21% |
$10,000 |
- |
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1.20% |
$10,000 |
- |
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1.20% |
$10,000 |
- |
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|
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1.20% |
$100,000 |
- |
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|
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1.20% |
$10,000 |
- |
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1.20% |
$10,000 |
- |
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1.20% |
$100,000 |
- |
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1.20% |
$100,000 |
- |
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1.16% |
$100,000 |
- |
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|
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1.16% |
$10,000 |
- |
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1.16% |
$50,000 |
- |
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1.15% |
$10,000 |
- |
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1.15% |
$100,000 |
- |
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1.15% |
$100,000 |
- |
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|
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1.15% |
$10,000 |
- |
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|
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1.15% 1.05% |
$100,000 $1,000 |
- |
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Rate History: 1.05% → 1.15% |
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1.11% |
$1,000 |
- |
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1.11% |
$100,000 |
- |
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|
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1.10% |
$10,000 |
- |
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1.10% |
$10,000 |
- |
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1.10% |
$10,000 |
- |
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Evelyn Navarro | Aug 21, 2020 What is San Mateo's SWIFT code? Read More |
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1.10% |
$10,000 |
- |
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1.10% |
$10,000 |
- |
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1.10% |
$10,000 |
- |
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1.10% |
$100,000 |
- |
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1.08% |
$10,000 |
- |
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1.06% |
$10,000 |
- |
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1.06% |
$100,000 |
- |
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1.05% |
$10,000 |
- |
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1.05% |
$10,000 |
- |
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1.05% |
$100,000 |
- |
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1.05% |
$10,000 |
- |
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1.05% |
$10,000 |
- |
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1.01% |
$10,000 |
- |
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1.01% |
$500 |
- |
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1.01% |
$100,000 |
- |
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|
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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Mark Radner | Dec 3, 2021 When a Credit Union targets homeless people and steals money from a homeless persons account without their consent is disgusting. I am currently homeles and have noticed unauthorized charges going to my ac... Read More |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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mjohnellis | Nov 4, 2018 HSA account only earns .25% on any balance. Read More |
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1.00% |
$100,000 |
- |
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1.00% |
$100,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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CalWritet | Feb 6, 2024 During my membership with First Entertainment Credit Union, I experienced a less than optimal situation. The treatment I received as an employee was unsatisfactory, characterized by managerial inefficiency... Read More |
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1.00% |
$100,000 |
- |
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1.00% |
$100,000 |
- |
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1.00% |
$10,000 |
- |
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0.99% |
$10,000 |
- |
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0.98% |
$100,000 |
- |
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0.95% |
$100,000 |
- |
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0.95% |
$10,000 |
- |
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0.95% |
$10,000 |
- |
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|
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0.95% |
$1,000 |
- |
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0.95% |
$10,000 |
- |
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0.95% |
$1,000 |
- |
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0.95% |
$10,000 |
- |
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0.95% |
$10,000 |
- |
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0.95% |
$100,000 |
- |
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0.90% |
$100,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$100,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.88% |
$10,000 |
- |
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0.85% |
$10,000 |
- |
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0.80% |
$10,000 |
- |
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0.80% |
$100,000 |
- |
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0.80% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.70% |
$500 |
- |
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0.70% |
$10,000 |
- |
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0.70% |
$100,000 |
- |
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0.70% |
$10,000 |
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0.70% |
$10,000 |
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0.65% |
$100,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$100,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
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0.60% |
$500 |
- |
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Slynyrd | Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More |
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0.60% |
$10,000 |
- |
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0.55% |
$10,000 |
- |
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0.55% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.45% |
$10,000 |
- |
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0.32% |
$100,000 |
- |
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0.30% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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0.26% |
$10,000 |
- |
Learn More
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.
Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.
Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.
BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.
As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.
The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.
This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates