1st United Credit Union (California) CD & Share Certificate Rates — October 2026
As of October 22, 2026, 1st United Credit Union (California)'s highest tracked CD (share certificate) rate is 4.00% APY on a 36-month CD ($250 minimum). That is 2.9 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 2.00% to 4.00% APY.
Tracking began .
1st United Credit Union (California) CD & share certificate rates
Membership required. Certificates from 6 to 84 months with a $250 minimum, including 36- to 84-month bump certificates, and a 12-month youth certificate ($25, ages 17 and under). Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Fixed-Rate Regular & IRA Certificate | $250 | 3.00% | −1.40% | Top 68% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Youth Certificate Special | $25 | 3.50% | −1.07% | Top 58% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Fixed-Rate Regular & IRA Certificate | $250 | 3.50% | −1.07% | Top 58% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | Fixed-Rate Regular & IRA Certificate | $250 | 3.75% | −1.12% | Top 38% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Fixed-Rate Regular & IRA Certificate | $250 | 4.00% | −0.95% | Top 21% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Fixed-Rate Regular & IRA Certificate | $250 | 2.75% | −2.23% | Top 66% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Fixed-Rate Regular & IRA Certificate | $250 | 2.25% | −2.76% | Top 76% of tracked 60-month CDs · Verified October 22, 2026 |
| 84 months | Fixed-Rate Regular & IRA Certificate | $250 | 2.00% | −3.09% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are 1st United Credit Union (California)'s best CD rates by term?
1st United Credit Union (California)'s best rate is 4.00% APY on 36 months, verified October 22, 2026.
- 6 mo3.00%
- 12 mo3.50%
- 24 mo3.75%
- 36 mo4.00%
- 48 mo2.75%
- 60 mo2.25%
- 84 mo2.00%
How much interest could a 1st United Credit Union (California) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,248.64 interest · $11,248.64 at maturity on $10,000.00.
4.00% APY · 36 months · Fixed-Rate Regular & IRA Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $74.653.00% APY · Fixed-Rate Regular & IRA Certificate · Standard | $149.303.00% APY · Fixed-Rate Regular & IRA Certificate · Standard | $373.263.00% APY · Fixed-Rate Regular & IRA Certificate · Standard | $746.513.00% APY · Fixed-Rate Regular & IRA Certificate · Standard |
| 12 months | $175.003.50% APY · Fixed-Rate Regular & IRA Certificate · Standard | $350.003.50% APY · Fixed-Rate Regular & IRA Certificate · Standard | $875.003.50% APY · Fixed-Rate Regular & IRA Certificate · Standard | $1,750.003.50% APY · Fixed-Rate Regular & IRA Certificate · Standard |
| 24 months | $382.033.75% APY · Fixed-Rate Regular & IRA Certificate · Standard | $764.063.75% APY · Fixed-Rate Regular & IRA Certificate · Standard | $1,910.163.75% APY · Fixed-Rate Regular & IRA Certificate · Standard | $3,820.313.75% APY · Fixed-Rate Regular & IRA Certificate · Standard |
| 36 months | $624.324.00% APY · Fixed-Rate Regular & IRA Certificate · Standard | $1,248.644.00% APY · Fixed-Rate Regular & IRA Certificate · Standard | $3,121.604.00% APY · Fixed-Rate Regular & IRA Certificate · Standard | $6,243.204.00% APY · Fixed-Rate Regular & IRA Certificate · Standard |
| 48 months | $573.112.75% APY · Fixed-Rate Regular & IRA Certificate · Standard | $1,146.212.75% APY · Fixed-Rate Regular & IRA Certificate · Standard | $2,865.532.75% APY · Fixed-Rate Regular & IRA Certificate · Standard | $5,731.062.75% APY · Fixed-Rate Regular & IRA Certificate · Standard |
| 60 months | $588.392.25% APY · Fixed-Rate Regular & IRA Certificate · Standard | $1,176.782.25% APY · Fixed-Rate Regular & IRA Certificate · Standard | $2,941.942.25% APY · Fixed-Rate Regular & IRA Certificate · Standard | $5,883.882.25% APY · Fixed-Rate Regular & IRA Certificate · Standard |
| 84 months | $743.432.00% APY · Fixed-Rate Regular & IRA Certificate · Standard | $1,486.862.00% APY · Fixed-Rate Regular & IRA Certificate · Standard | $3,717.142.00% APY · Fixed-Rate Regular & IRA Certificate · Standard | $7,434.282.00% APY · Fixed-Rate Regular & IRA Certificate · Standard |
How 1st United Credit Union (California) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1095-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 63 of 340 tracked institutions with fresh 1095-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| 1st United Credit Union (California) (this institution)Fixed-Rate Regular & IRA Certificate · Standard | 36 months | $250 | Membership required · branches in CA | 4.00% | October 22, 2026 |
| Popular DirectCD · Standard | 36 months | $10,000 | Available nationwide | 4.85% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 36 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 36 months | $2,500 | Available nationwide | 4.60% | October 22, 2026 |
| Quorum Federal Credit Union (highest tracked APY for this term)36-Month Term Account · Standard | 36 months | $100 | Membership required · branches in NY | 4.90% | October 22, 2026 |
| Treasury (APY-equivalent) | 36 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.95% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking 1st United Credit Union (California) on October 22, 2026.
About 1st United Credit Union (California)
- Legal name
- 1st United Credit Union
- Regulator ID
- NCUA 63958
- Headquarters
- Pleasanton, CA
- Available in
- CA
- Total assets
- $1.3 billion
- Also known as
- Website
- www.1stunitedcu.org
Source: rates read from https://www.1stunitedcu.org/certificate-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at 1st United Credit Union (California)?
Among the rates we track, 4.00% APY on a 36-month CD, as of October 22, 2026.
What is the minimum deposit for a 1st United Credit Union (California) CD?
The lowest minimum we found is $25; jumbo and higher balance tiers start at up to $250.
How does 1st United Credit Union (California)'s best CD rate compare with Treasury yields?
4.00% APY is −0.95% versus the 36-month Treasury yield of 4.95% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are 1st United Credit Union (California) CDs insured?
1st United Credit Union (California) is a federally insured credit union (NCUA 63958). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at 1st United Credit Union (California)?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check 1st United Credit Union (California)'s rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from 1st United Credit Union (California)'s website and may change at any time. Confirm terms, minimums and eligibility with 1st United Credit Union (California) before opening an account. This page is not financial advice.