# 1st United Credit Union (California) CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/1st-united-credit-union-california
Institution: 1st United Credit Union (NCUA 63958)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:19.000Z (October 22, 2026)
Official source: https://www.1stunitedcu.org/certificate-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Fixed-Rate Regular & IRA Certificate | standard | 6 months | $250 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-23T02:09:19.000Z | [Snapshot 826](https://apyledger.com/snapshots/826) |
| Youth Certificate | special | 12 months | $25 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-23T02:09:19.000Z | [Snapshot 826](https://apyledger.com/snapshots/826) |
| Fixed-Rate Regular & IRA Certificate | standard | 12 months | $250 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-23T02:09:19.000Z | [Snapshot 826](https://apyledger.com/snapshots/826) |
| Fixed-Rate Regular & IRA Certificate | standard | 24 months | $250 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-23T02:09:19.000Z | [Snapshot 826](https://apyledger.com/snapshots/826) |
| Fixed-Rate Regular & IRA Certificate | standard | 36 months | $250 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-23T02:09:19.000Z | [Snapshot 826](https://apyledger.com/snapshots/826) |
| Fixed-Rate Regular & IRA Certificate | standard | 48 months | $250 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-23T02:09:19.000Z | [Snapshot 826](https://apyledger.com/snapshots/826) |
| Fixed-Rate Regular & IRA Certificate | standard | 60 months | $250 | 2.25% | Not ZIP-priced | −2.76% | 2026-10-23T02:09:19.000Z | [Snapshot 826](https://apyledger.com/snapshots/826) |
| Fixed-Rate Regular & IRA Certificate | standard | 84 months | $250 | 2.00% | Not ZIP-priced | −3.09% | 2026-10-23T02:09:19.000Z | [Snapshot 826](https://apyledger.com/snapshots/826) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.