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

Share Certificate
  • Terms from 1 to 60 months
  • Rate bonus available to Value+ Members
  • Dividends paid monthly

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Access Certificate
  • Unlimited deposits and penalty-free withdrawals1
  • Convenient, 6-month term
  • No hidden fees

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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

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Six Month Access Certificate Rates

Amount Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$15,000 – $49,999 $15,000 $15,000 0.15% 0.15%
$50,000 – $99,999 $50,000 $50,000 0.15% 0.15%
$100,000 – $149,999 $100,000 $100,000 0.30% 0.30%
$150,000 and up $150,000 $150,000 0.40% 0.40%
1 APY is Annual Percentage Yield.
Six Month Access Certificate is a tiered fixed-rate account that will earn the stated dividend rate for the duration of the account term. Allows penalty-free withdrawals (as allowable per Federal Regulation D) and deposits at any time.

Regular and Minor Certificates Rates

The range of certificate rates listed below reflect, at the low end, the Regular Dividend Rate available to Members with less than $15,000 in combined savings and loan balances and, at the high end, the Maximum Dividend Rate (Regular Dividend Rate + .10%) available to Members with combined savings and loan balances of $15,000 or more. 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% – 0.20% 0.10% – 0.20%
3 month $1,000 $1,000 0.10% – 0.20% 0.10% – 0.20%
6 month $1,000 $1,000 0.10% – 0.20% 0.10% – 0.20%
12 month2, 4 $1,0003, 4 $1,000 0.15% – 0.25% 0.15% – 0.25%
18 month $1,000 $1,000 0.35% – 0.45% 0.35% – 0.45%
24 month $1,000 $1,000 0.35% – 0.45% 0.35% – 0.45%
30 month $1,000 $1,000 0.30% – 0.40% 0.30% – 0.40%
36 month $1,000 $1,000 0.55% – 0.65% 0.55% – 0.65%
48 month $1,000 $1,000 0.75% – 0.85% 0.75% – 0.85%
60 month $1,000 $1,000 1.00% – 1.10% 1.00% – 1.10%
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.

Common questions about certificates

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.

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, 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.

Help + Support

Building Better Lives

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, 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.

562.698.8326 | 866 CU SoCal Se Habla Español

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