Earning the most for your money
With a Share Certificate, you can earn higher rates than regular Share Savings on your balance to keep your money working as hard as possible toward your financial goals. Share Certificates are an excellent spot for the cash portion of your nest egg because they pay maximum dividends on insured funds without market risk.
Rates
View All RatesKey Advantages
High rates and deposit insurance
Share Certificates are designed to earn the highest possible interest on cash you’re saving for the future, while retaining the protection of federal deposit insurance up to $250,000 by the National Credit Union Administration (NCUA).
Learn More
Online and mobile account management
Manage your Share Certificate anywhere life takes you through Online Banking or the Mobile App. Watch your savings grow and see your progress.
Learn More
Flexible terms and access
Whether it’s one month or five years, we have a Share Certificate term that’s right for your personal needs. Viewing your Share Account balance and dividends is easy with Digital Banking.
Learn More
Qualify for Rewards+
Having a $25,000 average daily balance brings you one step closer to qualifying for Rewards+, our Member loyalty program.
Learn More-
Certificates are often referred to as CDs, non-liquid accounts, or time deposits. A CU SoCal Certificate gives you an even better interest rate on your money than you would get in a savings account because we know that the money won’t be withdrawn for an extended period. If you have an extra $1,000 or more that you won’t need to use soon, a certificate may offer you greater savings returns.
-
When you open your CU SoCal certificate, you’ll choose a maturity date between 1-60 months. If you need to withdraw funds before the maturity date, you may incur an early withdrawal penalty, but you will never lose principal on your initial deposit.
-
A certificate is a very safe investment. Even if you need to withdraw the money before you expect, you won’t lose the principal that you invested.
Make your money work harder
If you have money sitting around doing nothing, put it to work in a high-rate Share Certificate from CU SoCal. You can earn dividends compounded monthly to help you achieve your financial goals even faster.
-
Six withdrawals or transfers per month are allowed (per Regulation D)
Savings accounts rates
| Length of certificate | Min. opening balance | Min. to earn dividend | Dividend Rate² | APY¹ |
|---|---|---|---|---|
|
Length of certificate:
1 month |
Min. opening balance:
$7,500 |
Min. to earn dividend:
$7,500 |
Dividend Rate²:
0.10% |
APY¹:
0.10% |
|
Length of certificate:
3 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.72% |
APY¹:
2.75% |
|
Length of certificate:
6 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
3.20% |
APY¹:
3.25% |
|
Length of certificate:
12 month² |
Min. opening balance:
$1,000² |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
3.20% |
APY¹:
3.25% |
|
Length of certificate:
18 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
3.20% |
APY¹:
3.25% |
|
Length of certificate:
24 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.96% |
APY¹:
3.00% |
|
Length of certificate:
36 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.96% |
APY¹:
3.00% |
|
Length of certificate:
48 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.96% |
APY¹:
3.00% |
|
Length of certificate:
60 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Dividend Rate²:
2.96% |
APY¹:
3.00% |
Rates are accurate as of December 1, 2024 and are subject to change. Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals.. 1 APY is Annual Percentage Yield. 2 For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $250.
Open Account
Leaving Our Website
If you click ‘Continue’ an external website that is owned and operated by a third-party will be opened in a new browser window. CU SoCal provides links to external web sites for the convenience of its members. These external web sites may not be affiliated with or endorsed by the credit union. Use of these sites are used at the user’s risk. These sites are not under the control of CU SoCal and CU SoCal makes no representation or warranty, express or implied, to the user concerning:
- the information, content, presentation, accuracy or opinions of these sites, or
- the quality, safety or suitability of any software found on these sites.
You are continuing to a credit union branded third-party website administered by our service provider. We are not responsible for the third-party’s data privacy practices, services, or overall content on the third-party site. Please review the service provider’s privacy policy for more information about its data privacy practices.
Using a hyperlink may identify you as a CU SoCal Member to the operator of the external site.
CU SoCal does not provide and is not responsible for the product, service or overall website content available at these sites. The privacy policies of CU SoCal do not apply to linked websites and you should consult the privacy disclosures on these sites for further information.
If you click ‘Cancel’ you will be returned to the CU SoCal website.
