Best Credit Union Rates

Patelco Credit Union is offering 4.07% apy on a 12 month share certificate special. The minimum deposit requirment for this certificate is $1,000 and this account is available as either a regular or IRA share certificate.

Field of membership in Patelco Credit Union is open to a wide variety of groups and organizations. Anyone who isn’t otherwise eligible for membership can become eligible by joining the California Association for Older Americans which is open to anyone regardless of age or geographic location. Simply indicate California Association for Older Americans on your application for Patelco credit union membership.

UNCLE Credit Union is listing some competitive long-term certificate rates with yields that range from 4.04% APY for an 18-month term to 4.78% APY for a 60-month term. The minimum deposit is $5,000. The credit union calls these certificates Super Shares. The same rates are also available in an IRA.

Membership is open to anyone who lives, regularly works, currently attends school, or regularly worships in the California counties of Alameda, Contra Costa, Stanislaus or San Joaquin. Membership requires a minimum $25 deposit in the regular share savings account.

Branches are located in the California cities of Livermore, Tracy and Pleasanton.

Pentagon Federal Credit Union is offering 5.25% apr on their 5/1 Adjustable Rate Mortgages and 5/5 Adjustable Rate Mortgages. This rate is lower than any other comparable offer I know of on a 5/1 or 5/5 mortgage product. Those paying .375 in points will receive a .25 point reduction to their mortgage rate.

Field of membership in Pentagon Federal Credit Union is open to those who work at the Pentagon as well as those who are active or retired from the U.S. Army, U.S. Air Force, or Coast Guard. Membership is also extended to those who belong to certain select companies or organizations . Those who don’t otherwise qualify for membership in this credit union are eligible to join via membership in the National Military Family Association (NMFA). Membership in the NMFA is open to all.

Library of Congress FCU is currently offering competitive certificate rates on all terms. Their CD yields range from 4.00% APY for a 3-month term to 4.70% APY for 60-month term. The minimum deposit required is $500. Traditional, Roth, SEP and Education IRA certificate rates are 10 basis points higher. Below is the full list of CD rates:

Term        CD APY  IRA CD APY
3 months    4.00%      -
6 months    4.10%      -
12 months   4.20%    4.30%
18 months   4.30%    4.40%
24 months   4.40%    4.50%
36 months   4.50%    4.60%
48 months   4.60%    4.70%
60 months   4.70%    4.80%

The credit union also has a competitive money market account that currently pays 3.50% APY for balances over $20K and 3.25% APY for balances between $2.5K and $20K. The minimum balance to avoid monthly fees is $2,500. The credit union provides 25 free checks per year with this account.

In addition to employees and volunteers of the Libary of Congress, membership is open to anyone who lives, works, worships or attends school in Washington, DC. Membership requires a $5 fee and a minimum $5 deposit into your share savings account.

Educational Community Credit Union in Michigan has a special “Who’s Who Celebration” CD that earns 8% annual percentage yield. The certificate has a term of 8 months and has a minimum and maximum deposit of $500. This CD will be available until March 31, 2008, or until $8,000,000 in new certificate deposits is reached.

During this period, Educational Community Credit Union is also adding .80% apy to all their other CDs. Current yields on the credit union’s certificates include 4.75% apy on a 5-Year CD and 4.50% apy on a 4-year CD. Minimum deposit to open a regular certificate is $500.

Belvoir Federal Credit Union is offering 5.39% APY on their Young Savers 12 month youth share certificate. This certificate is available to members 18 years of age and younger. The maximum deposit limit for this certificate is $1,000.

Field of membership in Virginia based Belvoir Federal Credit Union is open to all active duty or retired US Armed Forces as well as a employees, members, worshipers, or volunteers of a number of organizations. Membership is also extended to members of the Friends of Manassas National Battlefield Park which anyone can join for $15.

California Pacific FCU is offering a special 5.55% APY 3-month share certificate. The minimum deposit is $1,000.

Membership is open to those who live, worship or work in the portion of northeastern Contra Costa County, California. Membership requires a minimum deposit of $25 in the share savings account.

Branches are located in Concord and Brentwood, California.

Air Academy Federal Credit Union is offering 5.00% APY on a 12 month share certificate special. This special offer is available through today, but you have till February 22nd to fund this account. The minimum deposit requirement for this special is $500. This special may be opened as either a regular or an IRA share certificate.

Field of membership in Air Academy Federal Credit Union is open to active and retired military and their family among others. Membership is also open to all through membership as a friend of the USAFA Association of Graduates.

Navy Federal Credit Union is offering 3.50% APR on loans up to 36 months for new or 2007-2008 late model cars. They are also offering 5.00% APR on vehicle loans from 37-72 months. See site for details.

Field of membership for Navy Federal Credit Union includes all Department of the Navy Personnel among others. See site for details. Navy Federal makes it easy for eligible family of current members to apply for new accounts. You just need the name, birth date, and social security number of a current member when you apply online. You then can add any additional members who are eligible by virtue of your membership on the same application.

Charleston Federal Credit Union is offering 5.01% APY on a 24 month share certificate. The minimum deposit for this certificate is $10,000. Lesser deposits earn 4.85% APY.

Field of membership in Charleston Federal Credit Union is extended to certain Federal employees who work in or are supervised from the Kanawha Valley in West Virginia and those who are employees of the University of Charleston and the Charleston Job Corp.