# Los Angeles Federal Credit Union CD and share certificate rates

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%).

Canonical page: https://apyledger.com/cd-rates/los-angeles-federal-credit-union
Institution: Los Angeles Federal Credit Union (NCUA 1207)
Aliases: LAFCU (Los Angeles)
Status: live
Last verified: 2026-10-23T02:10:27.000Z (October 22, 2026)
Official source: https://www.lafcu.org/rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate - Gold Relationship or Jumbo Certificate | relationship | 3 months | $100,000 | 1.71% | Not ZIP-priced | −2.58% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Silver Relationship or Senior Member | relationship | 3 months | Not stated | 1.66% | Not ZIP-priced | −2.63% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Bronze Relationship or Business Account | relationship | 3 months | Not stated | 1.61% | Not ZIP-priced | −2.68% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Gold Relationship or Jumbo Certificate | relationship | 6 months | $100,000 | 2.12% | Not ZIP-priced | −2.28% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Silver Relationship or Senior Member | relationship | 6 months | Not stated | 2.07% | Not ZIP-priced | −2.33% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Bronze Relationship or Business Account | relationship | 6 months | Not stated | 2.02% | Not ZIP-priced | −2.38% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Gold Relationship or Jumbo Certificate | relationship | 12 months | $100,000 | 2.12% | Not ZIP-priced | −2.45% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Silver Relationship or Senior Member | relationship | 12 months | Not stated | 2.07% | Not ZIP-priced | −2.50% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Bronze Relationship or Business Account | relationship | 12 months | Not stated | 2.02% | Not ZIP-priced | −2.55% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate Limited Offer - Silver Relationship or Senior Member | promotional | 16 months | Not stated | 4.30% | Not ZIP-priced | −0.37% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate Limited Offer - Silver Relationship or Senior Member | promotional | 16 months | Not stated | 4.30% | Not ZIP-priced | −0.37% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate Limited Offer - Gold Relationship or Jumbo Certificate | promotional | 16 months | $100,000 | 4.30% | Not ZIP-priced | −0.37% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Gold Relationship or Jumbo Certificate | relationship | 24 months | $100,000 | 2.33% | Not ZIP-priced | −2.54% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Silver Relationship or Senior Member | relationship | 24 months | Not stated | 2.28% | Not ZIP-priced | −2.59% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Bronze Relationship or Business Account | relationship | 24 months | Not stated | 2.22% | Not ZIP-priced | −2.65% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Gold Relationship or Jumbo Certificate | relationship | 36 months | $100,000 | 2.43% | Not ZIP-priced | −2.52% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Silver Relationship or Senior Member | relationship | 36 months | Not stated | 2.38% | Not ZIP-priced | −2.57% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Bronze Relationship or Business Account | relationship | 36 months | Not stated | 2.33% | Not ZIP-priced | −2.62% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Gold Relationship or Jumbo Certificate | relationship | 48 months | $100,000 | 2.63% | Not ZIP-priced | −2.35% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Silver Relationship or Senior Member | relationship | 48 months | Not stated | 2.58% | Not ZIP-priced | −2.40% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Bronze Relationship or Business Account | relationship | 48 months | Not stated | 2.53% | Not ZIP-priced | −2.45% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Gold Relationship or Jumbo Certificate | relationship | 60 months | $100,000 | 3.15% | Not ZIP-priced | −1.86% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Silver Relationship or Senior Member | relationship | 60 months | Not stated | 3.10% | Not ZIP-priced | −1.91% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |
| Share Certificate - Bronze Relationship or Business Account | relationship | 60 months | Not stated | 3.05% | Not ZIP-priced | −1.96% | 2026-10-23T02:10:27.000Z | [Snapshot 866](https://apyledger.com/snapshots/866) |

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.