At CU SoCal, we know you work hard for your money.

We will too. That's why we offer NCUA deposit-insured share certificate options to help your savings soar. Share certificates are like bank certificates of deposit (CDs), just with a different name.

Why savvy savers in Southern California choose our certificates to make it happen:

Competitive rates
Flexible maturity dates
Low minimum deposits
Federally insured

Whatever you're saving for, make it happen with:

  • Low minimum deposits of only $1,000.
  • Flexible maturity dates from 1 to 60 months.
  • Dividends compounded every month and at maturity.
  • Full suite of online and mobile services.
  • Easy-to-use online banking and mobile banking app.
  • Personal banking over the phone.
  • Automated touch-tone Phone Banking.
  • Federal insurance on your deposit up to $250,000.
You can also use your certificate balances as collateral for a better secured loan rate! Learn more.

Certificate Options

Regular Certificate
  • Terms from 1 to 60 months
  • Dividends paid monthly
Minor Certificate
  • Terms offered from 12 to 60 months
  • Additional deposits can be made during the term
  • Low minimum deposit of $250 to open; additional deposits may be made any time during the term
  • Available to Members age 21 and younger

Regular and Minor Certificates Rates

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.
Length of Certificate Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
1 month $7,500 $7,500 0.10% 0.10%
3 month $1,000 $1,000 2.08% 2.10%
6 month $1,000 $1,000 2.96% 3.00%
12 month2 $1,0002 $1,000 3.40% 3.45%
18 month $1,000 $1,000 3.30% 3.35%
24 month $1,000 $1,000 3.20% 3.25%
36 month $1,000 $1,000 3.06% 3.10%
48 month $1,000 $1,000 3.06% 3.10%
60 month $1,000 $1,000 3.35% 3.40%
1 APY is Annual Percentage Yield.
2 For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms.
3 For Traditional, Roth and Coverdell Education IRAs, the minimum opening balance and minimum to earn dividends is $25.
4 For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $250.

Frequently Asked Questions (FAQs) for Certificate

A certificate is a type of savings account that holds a fixed amount of money for a fixed period of time (such as six months, one year, or five years), and in exchange, CU SoCal pays you interest. When you cash in your certificate at the end of the term, you receive the money you originally invested plus interest. At CU SoCal, certificate are simply known as “certificates.”
While certificate interest rates tend to be lower than rates on other types of savings accounts, a certificate may be worth it if you have a large sum of money to set a side. The downside is you won’t be able to access the funds for the length of the term.
The FDIC only insures deposits made to banks. At credit unions, including CU SoCal, all deposits are federally insured by the National Credit Union Share Insurance Fund, up to $250,000 per individual depositor.
No, you cannot add money to a certificate.
At CU SoCal, dividends are compounded every month and at maturity. Compound interest is interest that is earned on interest, so your money grows faster.
Yes, according to the IRS, the interest paid on certificate is taxable.
Safety and a higher interest than regular savings accounts are two of the main advantages of certificate.
Yes, because all certificates from CU SoCal are insured up to $250,000.
Generally speaking, a certificate cannot be transferred to another person, unless there are extenuating circumstances. You may be allowed to add or remove a joint account holder, with that individual’s permission, in certain cases, such as divorce. certificate are not transferrable from CU SoCal to another financial institution.
You can put as much as $250,000 into a certificate. At CU SoCal you can open a certificate with a minimum deposits of only $1,000, though some certificate require a higher opening balance.

Help for your path ahead.

Whether you're looking for complete financial guidance, assistance with a specific goal, or just a second opinion, our certified financial planners are here to help.

Learn More

Hear from others like you who made it happen.

CU SoCal is the Nordstrom of banking. I always feel like I am their number one customer.

Laura, Member since 2009

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Make it happen.

If you live, work, worship or attend school in Los Angeles County, Orange County, Riverside County, or San Bernardino County we can help make your plans a reality. Call us at 866.287.6225 or visit a CU SoCal branch location to open your CU SoCal Certificate.

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Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


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