Earning the most for your money
With a Certificate, you can earn higher rates than on the balance of your Regular Savings Account, keeping your money working as hard as possible toward your financial goals. 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
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).
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Online and mobile account management
Manage your Certificate anywhere life takes you through Online Banking or the Mobile App. Watch your savings grow and see your progress.
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Flexible terms and access
Whether it’s one month or five years, we have a Certificate term that’s right for your personal needs. Viewing your account balance and dividends is easy with Digital Banking.
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Qualify for the Rewards+ Loyalty Program
Having a $25,000 average daily balance across your accounts brings you one step closer to qualifying for the Rewards+ Loyalty Program.
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A certificate is a savings account that lets you earn a fixed dividend rate when you keep your money deposited for a set period of time. Because your funds are committed for the certificate term, certificates typically offer higher returns than traditional savings accounts. With as little as $500 to open, a certificate can be a great option for money you don’t need right away and want to put to work earning more.
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An early withdrawal penalty may apply if you withdraw principal from your certificate before its maturity date. The penalty is based on the certificate term and amount withdrawn and may include earned dividends and principal. If a withdrawal reduces your balance below the required minimum, the penalty may be applied to the entire principal balance and the certificate will be closed, with any remaining funds transferred to your Regular Savings Account.
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Yes. Certificates offer a secure, predictable way to grow your savings. Your rate is locked in for the certificate term, helping you know what to expect while your money grows. Plus, eligible deposits at CU SoCal are federally insured by the National Credit Union Administration ( NCUA) up to applicable limits.
Make your money work harder
If you have money sitting around doing nothing, put it to work in a high-rate Certificate from CU SoCal. You can earn dividends compounded monthly to help you achieve your financial goals even faster.
Savings accounts rates
| Length of certificate | Min. opening balance | Min. to earn dividend | Rewards+ Loyalty Program Dividend Rate | Rewards+ Loyalty Program APY | Non-Rewards+ Loyalty Program Dividend Rate² | Non-Rewards+ Loyalty Program APY¹ |
|---|---|---|---|---|---|---|
|
Length of certificate:
1 month |
Min. opening balance:
$7,500 |
Min. to earn dividend:
$7,500 |
Rewards+ Loyalty Program Dividend Rate
:
3.45% |
Rewards+ Loyalty Program APY:
3.50% |
Non-Rewards+ Loyalty Program Dividend Rate²:
0.10% |
Non-Rewards+ Loyalty Program APY¹:
0.10% |
|
Length of certificate:
3 month |
Min. opening balance:
$500 |
Min. to earn dividend:
$500 |
Rewards+ Loyalty Program Dividend Rate
:
3.69% |
Rewards+ Loyalty Program APY:
3.75% |
Non-Rewards+ Loyalty Program Dividend Rate²:
2.57% |
Non-Rewards+ Loyalty Program APY¹:
2.60% |
|
Length of certificate:
6 month |
Min. opening balance:
$500 |
Min. to earn dividend:
$500 |
Rewards+ Loyalty Program Dividend Rate
:
4.17% |
Rewards+ Loyalty Program APY:
4.25% |
Non-Rewards+ Loyalty Program Dividend Rate²:
2.81% |
Non-Rewards+ Loyalty Program APY¹:
2.85% |
|
Length of certificate:
12 month² |
Min. opening balance:
$500² |
Min. to earn dividend:
$500 |
Rewards+ Loyalty Program Dividend Rate
:
4.17% |
Rewards+ Loyalty Program APY:
4.25% |
Non-Rewards+ Loyalty Program Dividend Rate²:
3.06% |
Non-Rewards+ Loyalty Program APY¹:
3.10% |
|
Length of certificate:
18 month |
Min. opening balance:
$500 |
Min. to earn dividend:
$500 |
Rewards+ Loyalty Program Dividend Rate
:
4.17% |
Rewards+ Loyalty Program APY:
4.25% |
Non-Rewards+ Loyalty Program Dividend Rate²:
2.96% |
Non-Rewards+ Loyalty Program APY¹:
3.00% |
|
Length of certificate:
24 month |
Min. opening balance:
$500 |
Min. to earn dividend:
$500 |
Rewards+ Loyalty Program Dividend Rate
:
4.41% |
Rewards+ Loyalty Program APY:
4.50% |
Non-Rewards+ Loyalty Program Dividend Rate²:
2.81% |
Non-Rewards+ Loyalty Program APY¹:
2.85% |
|
Length of certificate:
36 month |
Min. opening balance:
$500 |
Min. to earn dividend:
$500 |
Rewards+ Loyalty Program Dividend Rate
:
4.41% |
Rewards+ Loyalty Program APY:
4.50% |
Non-Rewards+ Loyalty Program Dividend Rate²:
2.81% |
Non-Rewards+ Loyalty Program APY¹:
2.85% |
|
Length of certificate:
48 month |
Min. opening balance:
$500 |
Min. to earn dividend:
$500 |
Rewards+ Loyalty Program Dividend Rate
:
4.41% |
Rewards+ Loyalty Program APY:
4.50% |
Non-Rewards+ Loyalty Program Dividend Rate²:
2.81% |
Non-Rewards+ Loyalty Program APY¹:
2.85% |
|
Length of certificate:
60 month |
Min. opening balance:
$500 |
Min. to earn dividend:
$500 |
Rewards+ Loyalty Program Dividend Rate
:
4.41% |
Rewards+ Loyalty Program APY:
4.50% |
Non-Rewards+ Loyalty Program Dividend Rate²:
2.96% |
Non-Rewards+ Loyalty Program APY¹:
3.00% |
Rates Effective as of: October 22, 2026
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. **Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member. 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 $500. The rates and terms above are subject to change without notice.
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