Los Angeles Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Los Angeles Federal Credit Union's highest tracked CD (share certificate) rate is 4.30% APY on a 16-month promotional CD. That is 2.4 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Los Angeles Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 3 to 60 months and a 16-month limited offer, quoted at Bronze, Silver (or members 60+) and Gold (or $100,000 jumbo) relationship levels based on Relationship Rewards status at opening. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Share Certificate - Gold Relationship or Jumbo Certificate Relationship | $100,000 | 1.71% | −2.58% | Verified October 22, 2026 |
| 3 months | Share Certificate - Silver Relationship or Senior Member Relationship | Not stated | 1.66% | −2.63% | Verified October 22, 2026 |
| 3 months | Share Certificate - Bronze Relationship or Business Account Relationship | Not stated | 1.61% | −2.68% | Verified October 22, 2026 |
| 6 months | Share Certificate - Gold Relationship or Jumbo Certificate Relationship | $100,000 | 2.12% | −2.28% | Verified October 22, 2026 |
| 6 months | Share Certificate - Silver Relationship or Senior Member Relationship | Not stated | 2.07% | −2.33% | Verified October 22, 2026 |
| 6 months | Share Certificate - Bronze Relationship or Business Account Relationship | Not stated | 2.02% | −2.38% | Verified October 22, 2026 |
| 12 months | Share Certificate - Gold Relationship or Jumbo Certificate Relationship | $100,000 | 2.12% | −2.45% | Verified October 22, 2026 |
| 12 months | Share Certificate - Silver Relationship or Senior Member Relationship | Not stated | 2.07% | −2.50% | Verified October 22, 2026 |
| 12 months | Share Certificate - Bronze Relationship or Business Account Relationship | Not stated | 2.02% | −2.55% | Verified October 22, 2026 |
| 16 months | Share Certificate Limited Offer - Silver Relationship or Senior Member Promotional | Not statedsame APY in 2 balance tiers | 4.30% | −0.37% | Verified October 22, 2026 |
| 16 months | Share Certificate Limited Offer - Gold Relationship or Jumbo Certificate Promotional | $100,000 | 4.30% | −0.37% | Verified October 22, 2026 |
| 24 months | Share Certificate - Gold Relationship or Jumbo Certificate Relationship | $100,000 | 2.33% | −2.54% | Verified October 22, 2026 |
| 24 months | Share Certificate - Silver Relationship or Senior Member Relationship | Not stated | 2.28% | −2.59% | Verified October 22, 2026 |
| 24 months | Share Certificate - Bronze Relationship or Business Account Relationship | Not stated | 2.22% | −2.65% | Verified October 22, 2026 |
| 36 months | Share Certificate - Gold Relationship or Jumbo Certificate Relationship | $100,000 | 2.43% | −2.52% | Verified October 22, 2026 |
| 36 months | Share Certificate - Silver Relationship or Senior Member Relationship | Not stated | 2.38% | −2.57% | Verified October 22, 2026 |
| 36 months | Share Certificate - Bronze Relationship or Business Account Relationship | Not stated | 2.33% | −2.62% | Verified October 22, 2026 |
| 48 months | Share Certificate - Gold Relationship or Jumbo Certificate Relationship | $100,000 | 2.63% | −2.35% | Verified October 22, 2026 |
| 48 months | Share Certificate - Silver Relationship or Senior Member Relationship | Not stated | 2.58% | −2.40% | Verified October 22, 2026 |
| 48 months | Share Certificate - Bronze Relationship or Business Account Relationship | Not stated | 2.53% | −2.45% | Verified October 22, 2026 |
| 60 months | Share Certificate - Gold Relationship or Jumbo Certificate Relationship | $100,000 | 3.15% | −1.86% | Verified October 22, 2026 |
| 60 months | Share Certificate - Silver Relationship or Senior Member Relationship | Not stated | 3.10% | −1.91% | Verified October 22, 2026 |
| 60 months | Share Certificate - Bronze Relationship or Business Account Relationship | Not stated | 3.05% | −1.96% | 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 Los Angeles Federal Credit Union's best CD rates by term?
Los Angeles Federal Credit Union's best rate is 4.30% APY on 16 months, verified October 22, 2026.
- 3 mo1.71%
- 6 mo2.12%
- 12 mo2.12%
- 16 mo4.30%
- 24 mo2.33%
- 36 mo2.43%
- 48 mo2.63%
- 60 mo3.15%
How much interest could a Los Angeles Federal 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.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 6 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 12 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 16 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 24 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 36 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 48 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 60 months | Not estimated | Not estimated | Not estimated | Not estimated |
How Los Angeles Federal 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 487-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 12 tracked institutions with fresh 487-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 |
|---|---|---|---|---|---|
| Los Angeles Federal Credit Union (this institution)Share Certificate Limited Offer - Silver Relationship or Senior Member · Promotional | 16 months | Not stated | Membership required · branches in CA | 4.30% | October 22, 2026 |
| Synchrony BankCD · Standard | 16 months | Not stated | Available nationwide | 4.30% | October 22, 2026 |
| Summit Credit Union (highest tracked APY for this term)Certificate - Special · Promotional | 16 months | $5,000 | Membership required · branches in WI | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 16 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.67% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Los Angeles Federal Credit Union on October 22, 2026.
About Los Angeles Federal Credit Union
- Legal name
- Los Angeles Federal Credit Union
- Regulator ID
- NCUA 1207
- Headquarters
- Glendale, CA
- Available in
- CA
- Total assets
- $1.3 billion
- Also known as
- LAFCU (Los Angeles)
- Website
- www.lafcu.org
Source: rates read from https://www.lafcu.org/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Los Angeles Federal Credit Union?
Among the rates we track, 4.30% APY on a 16-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Los Angeles Federal Credit Union CD?
The lowest minimum we found is $100,000.
How does Los Angeles Federal Credit Union's best CD rate compare with Treasury yields?
4.30% APY is −0.37% versus the 16-month Treasury yield of 4.67% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% 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 Los Angeles Federal Credit Union CDs insured?
Los Angeles Federal Credit Union is a federally insured credit union (NCUA 1207). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Los Angeles Federal 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 Los Angeles Federal 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 Los Angeles Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Los Angeles Federal Credit Union before opening an account. This page is not financial advice.