Best Credit Union Rates

Wescom Credit Union offers a Transition IRA account that yields 4.40% APY. This IRA account is for rollovers from a qualified retirement plan and has a 6 month term. The minimum deposit requirement for this account is $500. See site for details.

Field of membership in this Wescom Credit Union is extended to those who live, work, worship, or go to school in Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara or Ventura counties in California.

Horizon One FCU continues to offer a special 23-month certificate with a yield of 4.25% APY. The credit union requires you to have an additional $500 on deposit in one other savings product to quality for this rate.

Membership is open to those who live, work or worship in downtown Indianapolis. This isn’t listed in their Membership page. Membership requires a minimum deposit of $5 into the share savings account.

The credit union is federally insured by the NCUA. It has $68.0 million in assets and 11,119 members.

KeyPoint Credit Union is offering a yield of 4.00% APY on its certificates for terms of 12 months and longer. The yield for IRA certificates is 4.20% APY. These require a minimum deposit of $25,000 and direct deposit of net pay. Without direct deposit, the yield is 25 basis points lower. They also have a liquid access option in exchange for a 0.25% lower rate. This option allows you to make 3 deposits or withdrawals during the term. A maximum 50% increase or decrease from the original deposit will be allowed during the term of the account.

Membership is open to those who live, work, worship or attend school in one of the following California counties: Alameda, Contra Costa, Sacramento, San Mateo, Santa Barbara, Santa Clara and designated areas of Ventura County. You can also be eligible to join through select employer groups or family relation.

Branches are located in Concord, Cupertino, Milpitas, Pleasanton, Santa Clara, San Jose, Sunnyvale, Folsom and Goleta.

Members Choice Credit Union is offering 4.26% APY on the first $25,000 on deposit in their reward checking account. Balances over $25,000 earn 1.01% APY. This account features no minimum deposit requirement and rebates other financial institutions’ ATM fees up to $25 per month. In order to qualify for the benefits of this account, each statement cycle you must make at least 10 non-ATM debit card transactions, receive electronic statements, and make at least one direct deposit or ACH auto debit transaction. Those who don’t meet these requirements will earn .10% APY.

Field of membership in Members Choice Credit Union is extended to those who live or work in Katy, Cy-Fair, Harris County west of I-45 and Kingwood/Humble in Texas.

RiverLand Credit Union is offering a special 4.00% APY 11-month CD. The minimum deposit is $1,000. The credit union’s standard certificate rates are also competitive. The yield for terms from 6 months to 24 months is 3.75% APY. The 36-month yield is 4.00% APY, and the 60-month yield is 4.25% APY.

The field of membership is primarily limited to Employer Groups. Please refer to their Membership Page for the full details. Membership requires a one-time fee of $1 and a minimum savings account balance of $5.

Branches are located in the Louisiana cities of New Orleans, Jefferson, Gretna, Amelia and Killona, and in the Texas cities of Beaumont and The Woodlands, and in the Mississippi city of Port Gibson.

Horizon One FCU is offering a special 23-month certificate with a yield of 4.00% APY. The credit union requires you to have an additional $500 on deposit in one other savings product to quality for this rate. More details are provided at the bottom of the rate table.

Membership is open to those who live, work or worship in downtown Indianapolis. Membership requires a minimum deposit of $5 into the share savings account.

The credit union is federally insured by the NCUA. It has $68.0 million in assets and 11,119 members.

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.