LBS Financial Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, LBS Financial Credit Union's highest tracked CD (share certificate) rate is 4.15% APY on a 10-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.55% to 4.05% APY.
Tracking began .
LBS Financial Credit Union CD & share certificate rates
Membership required. Share certificates from 3 months upward and 5- and 10-month specials; certificate rates are fixed until maturity. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Share Certificate – Jumbo | $90,000 | 3.70% | −0.59% | Top 18% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Share Certificate – Gold | $50,000 | 3.65% | −0.65% | Top 19% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Share Certificate – Silver | $20,000 | 3.60% | −0.69% | Top 20% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Share Certificate – Bronze | $1,000 | 3.55% | −0.75% | Top 23% of tracked 3-month CDs · Verified October 22, 2026 |
| 5 months | Promotional Certificate Promotional | $1,000 | 4.00% | −0.39% | Verified October 22, 2026 |
| 6 months | Share Certificate – Jumbo | $90,000 | 3.85% | −0.55% | Top 24% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate – Gold | $50,000 | 3.80% | −0.60% | Top 26% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate – Silver | $20,000 | 3.75% | −0.65% | Top 32% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate – Bronze | $2,500 | 3.70% | −0.70% | Top 35% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate – Jumbo | $90,000 | 3.85% | −0.63% | Top 33% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate – Gold | $50,000 | 3.80% | −0.68% | Top 37% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate – Silver | $20,000 | 3.75% | −0.73% | Top 46% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Share Certificate – Bronze | $2,500 | 3.70% | −0.78% | Top 48% of tracked 9-month CDs · Verified October 22, 2026 |
| 10 months | Promotional Certificate Promotional | $1,000 | 4.15% | −0.36% | Verified October 22, 2026 |
| 12 months | Share Certificate – Jumbo | $90,000 | 3.95% | −0.62% | Top 30% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate – Gold | $50,000 | 3.90% | −0.67% | Top 33% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate – Silver | $20,000 | 3.85% | −0.72% | Top 35% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate – Bronze | $2,500 | 3.80% | −0.77% | Top 38% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Share Certificate – Jumbo | $90,000 | 4.00% | −0.72% | Top 29% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Share Certificate – Gold | $50,000 | 3.95% | −0.77% | Top 32% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Share Certificate – Silver | $20,000 | 3.90% | −0.82% | Top 33% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Share Certificate – Bronze | $2,500 | 3.85% | −0.87% | Top 35% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate – Jumbo | $90,000 | 4.00% | −0.87% | Top 26% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate – Gold | $50,000 | 3.95% | −0.92% | Top 27% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate – Silver | $20,000 | 3.90% | −0.97% | Top 28% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate – Bronze | $2,500 | 3.85% | −1.02% | Top 30% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Share Certificate – Jumbo | $90,000 | 4.00% | −0.91% | Verified October 22, 2026 |
| 30 months | Share Certificate – Gold | $50,000 | 3.95% | −0.96% | Verified October 22, 2026 |
| 30 months | Share Certificate – Silver | $20,000 | 3.90% | −1.01% | Verified October 22, 2026 |
| 30 months | Share Certificate – Bronze | $2,500 | 3.85% | −1.06% | Verified October 22, 2026 |
| 36 months | Share Certificate – Jumbo | $90,000 | 4.00% | −0.95% | Top 21% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate – Gold | $50,000 | 3.95% | −1.00% | Top 22% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate – Silver | $20,000 | 3.90% | −1.05% | Top 23% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate – Bronze | $2,500 | 3.85% | −1.10% | Top 25% of tracked 36-month CDs · Verified October 22, 2026 |
| 42 months | Share Certificate – Jumbo | $90,000 | 4.00% | −0.97% | Verified October 22, 2026 |
| 42 months | Share Certificate – Gold | $50,000 | 3.95% | −1.02% | Verified October 22, 2026 |
| 42 months | Share Certificate – Silver | $20,000 | 3.90% | −1.07% | Verified October 22, 2026 |
| 42 months | Share Certificate – Bronze | $2,500 | 3.85% | −1.12% | Verified October 22, 2026 |
| 48 months | Share Certificate – Jumbo | $90,000 | 4.05% | −0.93% | Top 15% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate – Gold | $50,000 | 4.00% | −0.98% | Top 17% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate – Silver | $20,000 | 3.95% | −1.03% | Top 19% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate – Bronze | $2,500 | 3.90% | −1.08% | Top 20% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate – Jumbo | $90,000 | 4.05% | −0.96% | Top 17% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate – Gold | $50,000 | 4.00% | −1.01% | Top 21% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate – Silver | $20,000 | 3.95% | −1.06% | Top 23% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate – Bronze | $2,500 | 3.90% | −1.11% | Top 24% of tracked 60-month CDs · 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.
Watch the renewal rate
The best promotional rate here is 4.15% APY (10 months). The standard rate for a similar term is 3.85% APY (9 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $30 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are LBS Financial Credit Union's best CD rates by term?
LBS Financial Credit Union's best rate is 4.15% APY on 10 months, verified October 22, 2026.
- 3 mo3.70%
- 5 mo4.00%
- 6 mo3.85%
- 9 mo3.85%
- 10 mo4.15%
- 12 mo3.95%
- 18 mo4.00%
- 24 mo4.00%
- 30 mo4.00%
- 36 mo4.00%
- 42 mo4.00%
- 48 mo4.05%
- 60 mo4.05%
How much interest could a LBS Financial Credit Union 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.
$344.46 interest · $10,344.46 at maturity on $10,000.00.
4.15% APY · 10 months · Promotional Certificate · Promotional · 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 |
|---|---|---|---|---|
| 3 months | $43.683.55% APY · Share Certificate – Bronze · Standard | $87.353.55% APY · Share Certificate – Bronze · Standard | $221.413.60% APY · Share Certificate – Silver · Standard | $448.903.65% APY · Share Certificate – Gold · Standard |
| 5 months | $82.344.00% APY · Promotional Certificate · Promotional | $164.674.00% APY · Promotional Certificate · Promotional | $411.684.00% APY · Promotional Certificate · Promotional | $823.364.00% APY · Promotional Certificate · Promotional |
| 6 months | $91.913.70% APY · Share Certificate – Bronze · Standard | $183.833.70% APY · Share Certificate – Bronze · Standard | $465.723.75% APY · Share Certificate – Silver · Standard | $943.753.80% APY · Share Certificate – Gold · Standard |
| 9 months | $138.253.70% APY · Share Certificate – Bronze · Standard | $276.493.70% APY · Share Certificate – Bronze · Standard | $700.533.75% APY · Share Certificate – Silver · Standard | $1,419.653.80% APY · Share Certificate – Gold · Standard |
| 10 months | $172.234.15% APY · Promotional Certificate · Promotional | $344.464.15% APY · Promotional Certificate · Promotional | $861.164.15% APY · Promotional Certificate · Promotional | $1,722.324.15% APY · Promotional Certificate · Promotional |
| 12 months | $190.003.80% APY · Share Certificate – Bronze · Standard | $380.003.80% APY · Share Certificate – Bronze · Standard | $962.503.85% APY · Share Certificate – Silver · Standard | $1,950.003.90% APY · Share Certificate – Gold · Standard |
| 18 months | $291.793.85% APY · Share Certificate – Bronze · Standard | $583.573.85% APY · Share Certificate – Bronze · Standard | $1,478.063.90% APY · Share Certificate – Silver · Standard | $2,994.383.95% APY · Share Certificate – Gold · Standard |
| 24 months | $392.413.85% APY · Share Certificate – Bronze · Standard | $784.823.85% APY · Share Certificate – Bronze · Standard | $1,988.023.90% APY · Share Certificate – Silver · Standard | $4,028.013.95% APY · Share Certificate – Gold · Standard |
| 30 months | $495.523.85% APY · Share Certificate – Bronze · Standard | $991.043.85% APY · Share Certificate – Bronze · Standard | $2,510.703.90% APY · Share Certificate – Silver · Standard | $5,087.663.95% APY · Share Certificate – Gold · Standard |
| 36 months | $600.023.85% APY · Share Certificate – Bronze · Standard | $1,200.043.85% APY · Share Certificate – Bronze · Standard | $3,040.563.90% APY · Share Certificate – Silver · Standard | $6,162.123.95% APY · Share Certificate – Gold · Standard |
| 42 months | $707.103.85% APY · Share Certificate – Bronze · Standard | $1,414.193.85% APY · Share Certificate – Bronze · Standard | $3,583.623.90% APY · Share Certificate – Silver · Standard | $7,263.623.95% APY · Share Certificate – Gold · Standard |
| 48 months | $826.833.90% APY · Share Certificate – Bronze · Standard | $1,653.663.90% APY · Share Certificate – Bronze · Standard | $4,190.263.95% APY · Share Certificate – Silver · Standard | $8,492.934.00% APY · Share Certificate – Gold · Standard |
| 60 months | $1,054.073.90% APY · Share Certificate – Bronze · Standard | $2,108.153.90% APY · Share Certificate – Bronze · Standard | $5,343.283.95% APY · Share Certificate – Silver · Standard | $10,832.654.00% APY · Share Certificate – Gold · Standard |
How LBS Financial Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 304-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 8 of 36 tracked institutions with fresh 304-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 |
|---|---|---|---|---|---|
| LBS Financial Credit Union (this institution)Promotional Certificate · Promotional | 10 months | $1,000 | Membership required · branches in CA | 4.15% | October 22, 2026 |
| American Express National BankCertificate of Deposit (CD) · Promotional | 10 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Justice Federal Credit Union10-Month Special Certificate · Relationship | 10 months | $100,000 | Membership required · branches in 9 states | 4.25% | October 22, 2026 |
| Honda Federal Credit UnionFlex Savings Certificate - Executive · Standard | 10 months | $100,000 | Membership required · branches in AL, CA, IN, NC, OH, SC | 3.80% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 10 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 10 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.51% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking LBS Financial Credit Union on October 22, 2026.
About LBS Financial Credit Union
- Legal name
- Lbs Financial Credit Union
- Regulator ID
- NCUA 68460
- Headquarters
- Long Beach, CA
- Available in
- CA
- Total assets
- $2.2 billion
- Also known as
- Website
- www.lbsfcu.org
Source: rates read from https://www.lbsfcu.org/about-us/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at LBS Financial Credit Union?
Among the rates we track, 4.15% APY on a 10-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a LBS Financial Credit Union CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $90,000.
How does LBS Financial Credit Union's best CD rate compare with Treasury yields?
4.15% APY is −0.36% versus the 10-month Treasury yield of 4.51% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% 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 LBS Financial Credit Union CDs insured?
LBS Financial Credit Union is a federally insured credit union (NCUA 68460). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at LBS Financial Credit Union?
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 LBS Financial Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from LBS Financial Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with LBS Financial Credit Union before opening an account. This page is not financial advice.