Best Credit Union 6 Month CD Rates in California, CA

You are viewing rates from credit unions across California

Below are the best six month CD Rates from credit unions in California. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

CA - November 4, 2024

6 Month CD National Average : 0.41% ^?

Credit Unions	APY	MIN	MILES ^?
Cbc Restrictions	5.00%	$500	-	Learn More Add Review
Rate History: 4.75% → 5.00% → 5.25% → 5.00%
Community First Restrictions	4.75%	$1,000	-	Learn More Add Review
Blupeak Restrictions	4.75%	$1,000	-	Learn More Add Review
Provident Restrictions	4.75% 4.25%	$1,000 $50,000	-	Learn More Add Review
Rate History: 4.50% → 4.75%
Citizens Equity First Restrictions	4.55% 4.50%	$100,000 $1,000	-	Learn More Add Review
Rate History: 2.25% → 4.45% → 4.55% → 4.80% → 4.55%
Partners Restrictions	4.50%	$1,000	-	Learn More Add Review
Rate History: 4.10% → 4.50%
State Employees' Restrictions	4.40%	$250	-	Learn More Add Review
Rate History: 4.50% → 4.40%
Firefighters First Restrictions	4.33%	$1,000	-	Learn More Add Review
Redwood Restrictions	4.25%	$1,000	-	Learn More Add Review
First Technology Restrictions	4.25%	$500	-	Learn More Add Review
Rate History: 4.91% → 4.50% → 4.25%
Schoolsfirst Restrictions	4.25% 4.20% 4.15% 4.10%	$100,000 $50,000 $20,000 $500	-	Learn More Add Review
Rate History: 3.95% → 4.10% → 4.35% → 4.25%
Chevron Restrictions	4.25%	$500	-	Learn More Add Review
Spectrum	4.25%	$500	-	Learn More Add Review
Mission Restrictions	4.00%	$2,000	-	Learn More Add Review
Inova Restrictions	4.00%	$200	-	Learn More Add Review
Rate History: 0.05% → 4.00% → 4.25% → 4.00%
Premier America Restrictions	4.00%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 4.00% → 4.16% → 4.00%
Wescom Central Restrictions	4.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.50% → 5.25% → 3.50% → 4.00%
Financial Partners Restrictions	4.00% 3.85%	$100,000 $1,000	-	Learn More Add Review
Northrop Grumman Restrictions	3.81% 3.71%	$40,000 $2,500	-	Learn More Add Review
Rate History: 3.97% → 4.02% → 3.83% → 3.86% → 3.81%
Star One Restrictions	3.65%	$2,500	-	Learn More
Rate History: 3.25% → 3.65%
VD \| Aug 18, 2020 Excellent! Read More Reviews (1)
California Restrictions	3.50%	$1,000	-	Learn More Add Review
Unify Financial Restrictions	3.50%	$1,000	-	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
L.a. Healthcare	3.50% 3.00%	$5,000 $1,000	-	Learn More Add Review
Kinecta Restrictions	3.25% 3.00%	$100,000 $100	-	Learn More
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 Reviews (2)
Credit Union Of Southern California Restrictions	3.20%	$1,000	-	Learn More Add Review
Rate History: 2.70% → 2.85% → 3.00% → 3.20%
Logix Restrictions	3.20% 2.20%	$1,000 $100,000	-	Learn More Add Review
Rate History: 1.45% → 1.45% → 2.10% → 3.20%
Farmers Insurance Group Restrictions	3.15%	$1,000	-	Learn More Add Review
Rate History: 3.30% → 3.15%
The Golden 1 Restrictions	3.15% 3.05%	$100,000 $500	-	Learn More Add Review
Educational Employees Restrictions	3.14% 3.09% 3.04% 2.99%	$100,000 $50,000 $10,000 $500	-	Learn More Add Review
Pentagon Restrictions	3.00%	$1,000	-	Learn More
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 Reviews (15)
Technology Restrictions	2.50%	$1,000	-	Learn More Add Review
Nuvision Restrictions	2.35% 2.30% 2.25% 2.20%	$100,000 $50,000 $25,000 $1,000	-	Learn More Add Review
Safe Restrictions	2.27% 1.92%	$25,000 $500	-	Learn More Add Review
Stanford Restrictions	2.27%	$1,000	-	Learn More Add Review
Central Valley Firefighters Restrictions	2.01%	$1,000	-	Learn More
Bill and Deanna Hunter \| Dec 3, 2022 You should be embarrassed for the VERY LOW interest you are paying your membership on savings accounts!!! Why would you do to this to your members. Surprised you haven’t been losing these accounts to you... Read More Reviews (1)
Global Restrictions	2.00%	$10,000	-	Learn More Add Review
Rate History: 2.86% → 5.00% → 4.45% → 4.10% → 2.00%
Patelco Restrictions	2.00%	$250	-	Learn More
ceblack9490@comcast.net \| Feb 6, 2023 max. amt. per account thats insured under your ncua? limit on how many accts? Read More Reviews (2)
Baxter Restrictions	1.85%	$500	-	Learn More Add Review
Rate History: 3.00% → 2.50% → 2.25% → 2.10% → 1.85%
San Diego County Restrictions	1.75% 1.70%	$90,000 $2,000	-	Learn More Add Review
Rate History: 2.05% → 1.75%
Frontwave Restrictions	1.50%	$1,000	-	Learn More Add Review
Safeamerica Restrictions	1.50%	$1,000	-	Learn More Add Review
Safe 1 Restrictions	1.25%	$1,000	-	Learn More Add Review
Travis Restrictions	1.00%	$500	-	Learn More Add Review
Rate History: 2.10% → 0.90% → 4.50% → 4.25% → 1.00%
Chaffey Restrictions	0.96%	$10,000	-	Learn More Add Review
Sun Community Restrictions	0.80%	$100,000	-	Learn More Add Review
F & A Restrictions	0.80%	$50,000	-	Learn More Add Review
F & A Restrictions	0.75%	$1,000	-	Learn More Add Review
Sun Community Restrictions	0.75%	$10,000	-	Learn More Add Review
Coasthills Restrictions	0.70%	$100,000	-	Learn More Add Review
Sandia Laboratory Restrictions	0.70%	$100,000	-	Learn More Add Review
Honda Restrictions	0.70%	$100,000	-	Learn More Add Review
Honda Restrictions	0.65%	$10,000	-	Learn More Add Review
United Methodist Restrictions	0.65%	$100,000	-	Learn More Add Review
Altura Restrictions	0.65% 0.55%	$100,000 $1,000	-	Learn More Add Review
Rate History: 0.55% → 0.65%
Families And Schools Together Restrictions	0.65%	$10,000	-	Learn More Add Review
Universal City Studios Restrictions	0.60%	$100,000	-	Learn More Add Review
American First Restrictions	0.60%	$10,000	-	Learn More Add Review
Usc Restrictions	0.60%	$100,000	-	Learn More Add Review
Energy One Restrictions	0.60%	$100,000	-	Learn More Add Review
First California Restrictions	0.60%	$100,000	-	Learn More Add Review
Capstone	0.60%	$10,000	-	Learn More Add Review
Justice Restrictions	0.55%	$100,000	-	Learn More Add Review
United Methodist Restrictions	0.55%	$10,000	-	Learn More Add Review
First California Restrictions	0.55%	$50,000	-	Learn More Add Review
Certified Restrictions	0.55%	$100,000	-	Learn More Add Review
Media City Restrictions	0.50%	$100,000	-	Learn More Add Review
Usc Restrictions	0.50%	$10,000	-	Learn More Add Review
Certified Restrictions	0.50%	$10,000	-	Learn More Add Review
Coasthills Restrictions	0.50%	$10,000	-	Learn More Add Review
Excite Restrictions	0.50%	$10,000	-	Learn More Add Review
Noble Restrictions	0.50%	$100,000	-	Learn More Add Review
Menlo Survey Restrictions	0.50%	$10,000	-	Learn More Add Review
Sri Restrictions	0.50%	$10,000	-	Learn More Add Review
San Diego Firefighters Restrictions	0.50%	$100,000	-	Learn More Add Review
First City Restrictions	0.50%	$100,000	-	Learn More Add Review
Lbs Financial Restrictions	0.50%	$100,000	-	Learn More Add Review
Energy One Restrictions	0.50%	$10,000	-	Learn More Add Review
Kings Restrictions	0.50%	$10,000	-	Learn More Add Review
Together Restrictions	0.50%	$10,000	-	Learn More Add Review
Siskiyou Central Cu Restrictions	0.50%	$100,000	-	Learn More Add Review
Southland Restrictions	0.50%	$100,000	-	Learn More Add Review
Universal City Studios Restrictions	0.50%	$10,000	-	Learn More Add Review
Thinkwise Restrictions	0.50%	$10,000	-	Learn More Add Review
Ventura County Restrictions	0.50%	$10,000	-	Learn More
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 Reviews (2)
Justice Restrictions	0.45%	$10,000	-	Learn More Add Review
Smw 104 Restrictions	0.45%	$100,000	-	Learn More
Gdanalynn \| Dec 17, 2022 Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here?... Read More Reviews (1)
Pasadena Restrictions	0.45%	$100,000	-	Learn More Add Review
Sce Restrictions	0.45%	$10,000	-	Learn More Add Review
Commonwealth Central Restrictions	0.45%	$10,000	-	Learn More Add Review
California Coast Restrictions	0.45%	$100,000	-	Learn More Add Review
Lbs Financial Restrictions	0.45%	$10,000	-	Learn More Add Review
Meriwest Restrictions	0.45%	$10,000	-	Learn More Add Review
Sierra Central Restrictions	0.45%	$100,000	-	Learn More Add Review
Los Angeles Restrictions	0.45%	$100,000	-	Learn More Add Review
Sacramento Restrictions	0.45%	$100,000	-	Learn More Add Review
Lassen County Restrictions	0.45%	$100,000	-	Learn More Add Review
Smw 104 Restrictions	0.40%	$10,000	-	Learn More
Gdanalynn \| Dec 17, 2022 Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here?... Read More Reviews (1)
Ume Restrictions	0.40%	$100,000	-	Learn More Add Review
Gain Restrictions	0.40%	$100,000	-	Learn More Add Review
East County Schools Restrictions	0.40%	$10,000	-	Learn More Add Review
San Diego Firefighters Restrictions	0.40%	$10,000	-	Learn More Add Review
Noble Restrictions	0.40%	$10,000	-	Learn More Add Review
Sacramento Restrictions	0.40%	$10,000	-	Learn More Add Review
Ukrainian Restrictions	0.40%	$10,000	-	Learn More Add Review
Siskiyou Central Cu Restrictions	0.40%	$10,000	-	Learn More Add Review
Merco Restrictions	0.40%	$10,000	-	Learn More Add Review
Operating Engineers Local Union #3 Restrictions	0.40%	$10,000	-	Learn More Add Review
Lassen County Restrictions	0.40%	$10,000	-	Learn More Add Review
Premier Community Restrictions	0.40%	$100,000	-	Learn More Add Review
Silverado Restrictions	0.40%	$1,000	-	Learn More Add Review
First U.s. Community Restrictions	0.40%	$100,000	-	Learn More Add Review
South Bay Restrictions	0.40%	$10,000	-	Learn More Add Review
San Mateo Restrictions	0.40%	$10,000	-	Learn More
Evelyn Navarro \| Aug 21, 2020 What is San Mateo's SWIFT code? Read More Reviews (1)
Southland Restrictions	0.40%	$10,000	-	Learn More Add Review
Xceed Financial Restrictions	0.40%	$10,000	-	Learn More Add Review
First Entertainment Restrictions	0.40%	$10,000	-	Learn More
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 Reviews (1)
Los Angeles Restrictions	0.40%	$10,000	-	Learn More Add Review
1st Northern California Restrictions	0.40%	$100,000	-	Learn More Add Review
Eagle Community Restrictions	0.40%	$100,000	-	Learn More Add Review
First City Restrictions	0.40%	$10,000	-	Learn More Add Review
Chabot Restrictions	0.40%	$500	-	Learn More Add Review
Sandia Laboratory Restrictions	0.40%	$10,000	-	Learn More Add Review
Geico Restrictions	0.35%	$10,000	-	Learn More Add Review
Keypoint Restrictions	0.35%	$10,000	-	Learn More
mjohnellis \| Nov 4, 2018 HSA account only earns .25% on any balance. Read More Reviews (1)
First U.s. Community Restrictions	0.35%	$10,000	-	Learn More Add Review
Orange County's Restrictions	0.35%	$100,000	-	Learn More Add Review
La Financial Restrictions	0.35%	$100,000	-	Learn More Add Review
Cabrillo Restrictions	0.35%	$100,000	-	Learn More Add Review
Sierra Central Restrictions	0.35%	$10,000	-	Learn More Add Review
Eagle Community Restrictions	0.35%	$10,000	-	Learn More Add Review
Pasadena Restrictions	0.35%	$10,000	-	Learn More Add Review
Clearpath Restrictions	0.35%	$100,000	-	Learn More Add Review
First Imperial Restrictions	0.35%	$100,000	-	Learn More Add Review
Uncle Restrictions	0.33%	$10,000	-	Learn More Add Review
Rancho Restrictions	0.32%	$10,000	-	Learn More Add Review
Mypoint Restrictions	0.31%	$10,000	-	Learn More Add Review
Airco	0.30%	$10,000	-	Learn More Add Review
Ume Restrictions	0.30%	$10,000	-	Learn More Add Review
El Monte Community Restrictions	0.30%	$10,000	-	Learn More Add Review
Gain Restrictions	0.30%	$10,000	-	Learn More Add Review
American United Restrictions	0.30%	$500	-	Learn More Add Review
California Coast Restrictions	0.30%	$10,000	-	Learn More Add Review
Strata Restrictions	0.30%	$10,000	-	Learn More Add Review
Valley Strong	0.30%	$10,000	-	Learn More
Rangkay \| Sep 12, 2020 What's the swift code Read More Reviews (1)
First Imperial Restrictions	0.30%	$10,000	-	Learn More Add Review
Edwards Restrictions	0.30%	$10,000	-	Learn More Add Review
Media City Restrictions	0.30%	$10,000	-	Learn More Add Review
Arrowhead Central Restrictions	0.30%	$100,000	-	Learn More Add Review
Tucoemas Restrictions	0.30%	$100,000	-	Learn More Add Review
1st United Services Restrictions	0.30%	$10,000	-	Learn More Add Review
Trugrocer Restrictions	0.30%	$100,000	-	Learn More Add Review
Cabrillo Restrictions	0.30%	$10,000	-	Learn More Add Review
Orange County's Restrictions	0.25%	$10,000	-	Learn More Add Review
Bay Restrictions	0.25%	$10,000	-	Learn More Add Review
Premier One Restrictions	0.25%	$1,000	-	Learn More Add Review
Arrowhead Central Restrictions	0.25%	$1,000	-	Learn More Add Review
Trugrocer Restrictions	0.25%	$10,000	-	Learn More Add Review
Desert Valleys Restrictions	0.25%	$100,000	-	Learn More Add Review
Clearpath Restrictions	0.25%	$10,000	-	Learn More Add Review
Altaone Restrictions	0.25%	$10,000	-	Learn More Add Review
Scient Restrictions	0.20%	$10,000	-	Learn More Add Review
Desert Valleys Restrictions	0.20%	$10,000	-	Learn More Add Review
La Financial Restrictions	0.20%	$10,000	-	Learn More Add Review
Sesloc Restrictions	0.20%	$10,000	-	Learn More Add Review
Santa Clara County Restrictions	0.20%	$10,000	-	Learn More Add Review
San Francisco Fire Restrictions	0.20%	$10,000	-	Learn More Add Review
Pacific Service Restrictions	0.20%	$100,000	-	Learn More Add Review
United Local Restrictions	0.20%	$100,000	-	Learn More Add Review
Greenstate Restrictions	0.20%	$500	-	Learn More
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 Reviews (2)
Tucoemas Restrictions	0.20%	$10,000	-	Learn More Add Review
Valley First Restrictions	0.18%	$10,000	-	Learn More Add Review
California Agribusiness Restrictions	0.15%	$10,000	-	Learn More Add Review
Alta Vista Restrictions	0.15%	$10,000	-	Learn More Add Review
Premier Community Restrictions	0.15%	$10,000	-	Learn More Add Review
Tulare County Restrictions	0.15%	$10,000	-	Learn More Add Review
Pacific Service Restrictions	0.15%	$10,000	-	Learn More Add Review
Heritage Community Restrictions	0.15%	$10,000	-	Learn More Add Review
Yolo Restrictions	0.15%	$10,000	-	Learn More Add Review
United Local Restrictions	0.15%	$10,000	-	Learn More Add Review
Camino Restrictions	0.15%	$10,000	-	Learn More Add Review
The First Financial	0.15%	$10,000	-	Learn More Add Review
Mokelumne Restrictions	0.15%	$10,000	-	Learn More Add Review
Self-help Restrictions	0.15%	$500	-	Learn More
northcape5 \| Sep 27, 2016 why have you not updated your rates Read More Reviews (1)
Cooperative Center Restrictions	0.11%	$10,000	-	Learn More Add Review
Partners 1st Restrictions	0.10%	$10,000	-	Learn More Add Review
Allus	0.10%	$10,000	-	Learn More Add Review
Monterey Restrictions	0.10%	$10,000	-	Learn More Add Review
Pacific Crest Restrictions	0.07%	$100,000	-	Learn More Add Review
Pacific Crest Restrictions	0.05%	$10,000	-	Learn More Add Review
Edu Restrictions	0.01%	$500	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

See rates for Local Banks →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

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.

NCUA Insurance

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.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

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.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a 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.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

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.

SAVINGS & CD CALCULATOR

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Credit Union CD Rates – 6-Month – California

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

SAVINGS & CD CALCULATOR

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