# Pacific Service Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/pacific-service-credit-union
Institution: Pacific Service Credit Union (NCUA 68413)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:40.000Z (October 22, 2026)
Official source: https://www.pacificservice.org/rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Certificate | standard | 3 months | $100,000 | 2.00% | Not ZIP-priced | −2.29% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 3 Month Certificate | standard | 3 months | $50,000 | 1.95% | Not ZIP-priced | −2.34% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 3 Month Certificate | standard | 3 months | Not stated | 1.90% | Not ZIP-priced | −2.40% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 6 Month Certificate | standard | 6 months | $100,000 | 2.10% | Not ZIP-priced | −2.30% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 6 Month Certificate | standard | 6 months | $50,000 | 2.05% | Not ZIP-priced | −2.35% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 6 Month Certificate | standard | 6 months | Not stated | 2.00% | Not ZIP-priced | −2.40% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 9 Month Certificate | standard | 9 months | $100,000 | 2.25% | Not ZIP-priced | −2.23% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 9 Month Certificate | standard | 9 months | $50,000 | 2.20% | Not ZIP-priced | −2.28% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 9 Month Certificate | standard | 9 months | Not stated | 2.15% | Not ZIP-priced | −2.33% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 1 Year Certificate | standard | 12 months | $100,000 | 2.50% | Not ZIP-priced | −2.07% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 1 Year Certificate | standard | 12 months | $50,000 | 2.45% | Not ZIP-priced | −2.12% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 1 Year Certificate | standard | 12 months | Not stated | 2.40% | Not ZIP-priced | −2.17% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 18 Month Bump-Up Certificate | standard | 18 months | $100,000 | 2.60% | Not ZIP-priced | −2.12% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 18 Month Bump-Up Certificate | standard | 18 months | $50,000 | 2.55% | Not ZIP-priced | −2.17% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 18 Month Bump-Up Certificate | standard | 18 months | Not stated | 2.50% | Not ZIP-priced | −2.22% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 2 Year Certificate | standard | 24 months | $100,000 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 2 Year Certificate | standard | 24 months | $50,000 | 2.70% | Not ZIP-priced | −2.17% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 2 Year Certificate | standard | 24 months | Not stated | 2.65% | Not ZIP-priced | −2.22% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 30 Month Add-On Certificate | standard | 30 months | $100,000 | 2.70% | Not ZIP-priced | −2.21% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 30 Month Add-On Certificate | standard | 30 months | $50,000 | 2.65% | Not ZIP-priced | −2.26% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 30 Month Add-On Certificate | standard | 30 months | Not stated | 2.60% | Not ZIP-priced | −2.31% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 3 Year Certificate | standard | 36 months | $100,000 | 2.80% | Not ZIP-priced | −2.15% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 3 Year Certificate | standard | 36 months | $50,000 | 2.75% | Not ZIP-priced | −2.20% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 3 Year Certificate | standard | 36 months | Not stated | 2.70% | Not ZIP-priced | −2.25% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 4 Year Certificate | standard | 48 months | $100,000 | 2.95% | Not ZIP-priced | −2.03% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 4 Year Certificate | standard | 48 months | $50,000 | 2.90% | Not ZIP-priced | −2.08% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 4 Year Certificate | standard | 48 months | Not stated | 2.85% | Not ZIP-priced | −2.13% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 5 Year Certificate | standard | 60 months | $100,000 | 3.20% | Not ZIP-priced | −1.81% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 5 Year Certificate | standard | 60 months | $50,000 | 3.15% | Not ZIP-priced | −1.86% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |
| 5 Year Certificate | standard | 60 months | Not stated | 3.10% | Not ZIP-priced | −1.91% | 2026-10-23T02:10:40.000Z | [Snapshot 867](https://apyledger.com/snapshots/867) |

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.