Pacific Service Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Pacific Service Credit Union's highest tracked CD (share certificate) rate is 3.20% APY on a 60-month CD ($100,000 minimum). That is 2.3 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 1.90% to 3.20% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.10% on 60 months
Pacific Service Credit Union CD & share certificate rates
Membership required. Certificates from 3 months to 5 years in three balance tiers, plus an 18-month Bump-Up and a 30-month Add-On certificate. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month Certificate | $100,000 | 2.00% | −2.29% | Verified October 22, 2026 |
| 3 months | 3 Month Certificate | $50,000 | 1.95% | −2.34% | Verified October 22, 2026 |
| 3 months | 3 Month Certificate | Not stated | 1.90% | −2.40% | Verified October 22, 2026 |
| 6 months | 6 Month Certificate | $100,000 | 2.10% | −2.30% | Verified October 22, 2026 |
| 6 months | 6 Month Certificate | $50,000 | 2.05% | −2.35% | Verified October 22, 2026 |
| 6 months | 6 Month Certificate | Not stated | 2.00% | −2.40% | Verified October 22, 2026 |
| 9 months | 9 Month Certificate | $100,000 | 2.25% | −2.23% | Verified October 22, 2026 |
| 9 months | 9 Month Certificate | $50,000 | 2.20% | −2.28% | Verified October 22, 2026 |
| 9 months | 9 Month Certificate | Not stated | 2.15% | −2.33% | Verified October 22, 2026 |
| 12 months | 1 Year Certificate | $100,000 | 2.50% | −2.07% | Verified October 22, 2026 |
| 12 months | 1 Year Certificate | $50,000 | 2.45% | −2.12% | Verified October 22, 2026 |
| 12 months | 1 Year Certificate | Not stated | 2.40% | −2.17% | Verified October 22, 2026 |
| 18 months | 18 Month Bump-Up Certificate | $100,000 | 2.60% | −2.12% | Verified October 22, 2026 |
| 18 months | 18 Month Bump-Up Certificate | $50,000 | 2.55% | −2.17% | Verified October 22, 2026 |
| 18 months | 18 Month Bump-Up Certificate | Not stated | 2.50% | −2.22% | Verified October 22, 2026 |
| 24 months | 2 Year Certificate | $100,000 | 2.75% | −2.12% | Verified October 22, 2026 |
| 24 months | 2 Year Certificate | $50,000 | 2.70% | −2.17% | Verified October 22, 2026 |
| 24 months | 2 Year Certificate | Not stated | 2.65% | −2.22% | Verified October 22, 2026 |
| 30 months | 30 Month Add-On Certificate | $100,000 | 2.70% | −2.21% | Verified October 22, 2026 |
| 30 months | 30 Month Add-On Certificate | $50,000 | 2.65% | −2.26% | Verified October 22, 2026 |
| 30 months | 30 Month Add-On Certificate | Not stated | 2.60% | −2.31% | Verified October 22, 2026 |
| 36 months | 3 Year Certificate | $100,000 | 2.80% | −2.15% | Verified October 22, 2026 |
| 36 months | 3 Year Certificate | $50,000 | 2.75% | −2.20% | Verified October 22, 2026 |
| 36 months | 3 Year Certificate | Not stated | 2.70% | −2.25% | Verified October 22, 2026 |
| 48 months | 4 Year Certificate | $100,000 | 2.95% | −2.03% | Verified October 22, 2026 |
| 48 months | 4 Year Certificate | $50,000 | 2.90% | −2.08% | Verified October 22, 2026 |
| 48 months | 4 Year Certificate | Not stated | 2.85% | −2.13% | Verified October 22, 2026 |
| 60 months | 5 Year Certificate | $100,000 | 3.20% | −1.81% | Verified October 22, 2026 |
| 60 months | 5 Year Certificate | $50,000 | 3.15% | −1.86% | Verified October 22, 2026 |
| 60 months | 5 Year Certificate | Not stated | 3.10% | −1.91% | 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 Pacific Service Credit Union's best CD rates by term?
Pacific Service Credit Union's best rate is 3.20% APY on 60 months, verified October 22, 2026.
- 3 mo2.00%
- 6 mo2.10%
- 9 mo2.25%
- 12 mo2.50%
- 18 mo2.60%
- 24 mo2.75%
- 30 mo2.70%
- 36 mo2.80%
- 48 mo2.95%
- 60 mo3.20%
How much interest could a Pacific Service 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 |
| 9 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 12 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 18 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 24 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 30 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 Pacific Service 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 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 180 of 332 tracked institutions with fresh 1825-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 |
|---|---|---|---|---|---|
| Pacific Service Credit Union (this institution)5 Year Certificate · Standard | 60 months | $100,000 | Membership required · branches in CA | 3.20% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 60 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Pacific Service Credit Union on October 22, 2026.
About Pacific Service Credit Union
- Legal name
- Pacific Service Credit Union
- Regulator ID
- NCUA 68413
- Headquarters
- Concord, CA
- Available in
- CA
- Total assets
- $1.3 billion
- Also known as
- Website
- www.pacificservice.org
Source: rates read from https://www.pacificservice.org/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Pacific Service Credit Union?
Among the rates we track, 3.20% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Pacific Service Credit Union CD?
The lowest minimum we found is $50,000; jumbo and higher balance tiers start at up to $100,000.
How does Pacific Service Credit Union's best CD rate compare with Treasury yields?
3.20% APY is −1.81% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.20% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.41% 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 Pacific Service Credit Union CDs insured?
Pacific Service Credit Union is a federally insured credit union (NCUA 68413). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Pacific Service 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 Pacific Service 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 Pacific Service Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Pacific Service Credit Union before opening an account. This page is not financial advice.