APY Ledger

SchoolsFirst Federal Credit Union CD & Share Certificate Rates — October 2026

Also known as SchoolsFirst, SchoolsFirst FCU.

As of October 22, 2026, SchoolsFirst Federal Credit Union's highest CD (share certificate) rate is 4.30% APY on a 19-month promotional CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.15% to 4.30% APY.

Last verified from www.schoolsfirstfcu.org · NCUA-insured credit union · Santa Ana, CA

Tracking began .

Best APY4.30%19 months, $500 min
vs. Treasury−0.44%same-term Treasury 4.74%
vs. national average2.8×FDIC national average 1.55%
After inflation0.56%CPI 3.7% year over year
$10,000 earns$689over 19 months, before tax

SchoolsFirst Federal Credit Union CD & share certificate rates

Membership is for California school employees and their families.

SchoolsFirst Federal Credit Union CD rates
TermProductMinimumAPYvs. Treasury
30 days Share Certificate $250,000 3.35%Verified October 22, 2026 −0.78%
30 days Share Certificate $100,000 3.30%Verified October 22, 2026 −0.83%
30 days Share Certificate $50,000 3.25%Verified October 22, 2026 −0.88%
30 days Share Certificate $20,000 3.20%Verified October 22, 2026 −0.93%
30 days Share Certificate $500 3.15%Verified October 22, 2026 −0.98%
3 months Share Certificate $250,000 3.75%Verified October 22, 2026 −0.54%
3 months Share Certificate $100,000 3.70%Verified October 22, 2026 −0.59%
3 months Share Certificate $50,000 3.65%Verified October 22, 2026 −0.65%
3 months Share Certificate $20,000 3.60%Verified October 22, 2026 −0.69%
3 months Share Certificate $500 3.55%Verified October 22, 2026 −0.75%
6 months 6-Month Add-On Promotional Share Certificate Promotional $500 4.10%Verified October 22, 2026 −0.30%
6 months Share Certificate $250,000 4.05%Verified October 22, 2026 −0.35%
6 months Share Certificate $100,000 4.00%Verified October 22, 2026 −0.40%
6 months Share Certificate $50,000 3.95%Verified October 22, 2026 −0.45%
6 months Share Certificate $20,000 3.90%Verified October 22, 2026 −0.50%
6 months Share Certificate $500 3.85%Verified October 22, 2026 −0.55%
12 months Share Certificate $250,000 4.15%Verified October 22, 2026 −0.42%
12 months Share Certificate $100,000 4.10%Verified October 22, 2026 −0.47%
12 months Share Certificate $50,000 4.05%Verified October 22, 2026 −0.52%
12 months Share Certificate $20,000 4.00%Verified October 22, 2026 −0.57%
12 months Share Certificate $500 3.95%Verified October 22, 2026 −0.62%
18 months Share Certificate $250,000 4.20%Verified October 22, 2026 −0.52%
18 months Share Certificate $100,000 4.15%Verified October 22, 2026 −0.57%
18 months Share Certificate $50,000 4.10%Verified October 22, 2026 −0.62%
18 months Share Certificate $20,000 4.05%Verified October 22, 2026 −0.67%
18 months Share Certificate $500 4.00%Verified October 22, 2026 −0.72%
19 months 19-Month Promotional Share Certificate Promotional $500 4.30%Verified October 22, 2026 −0.44%
24 months Share Certificate $250,000 4.20%Verified October 22, 2026 −0.67%
24 months Share Certificate $100,000 4.15%Verified October 22, 2026 −0.72%
24 months Share Certificate $50,000 4.10%Verified October 22, 2026 −0.77%
24 months Share Certificate $20,000 4.05%Verified October 22, 2026 −0.82%
24 months Share Certificate $500 4.00%Verified October 22, 2026 −0.87%
36 months Share Certificate $250,000 4.20%Verified October 22, 2026 −0.75%
36 months Share Certificate $100,000 4.15%Verified October 22, 2026 −0.80%
36 months Share Certificate $50,000 4.10%Verified October 22, 2026 −0.85%
36 months Share Certificate $20,000 4.05%Verified October 22, 2026 −0.90%
36 months Share Certificate $500 4.00%Verified October 22, 2026 −0.95%
48 months Share Certificate $250,000 4.20%Verified October 22, 2026 −0.78%
48 months Share Certificate $100,000 4.15%Verified October 22, 2026 −0.83%
48 months Share Certificate $50,000 4.10%Verified October 22, 2026 −0.88%
48 months Share Certificate $20,000 4.05%Verified October 22, 2026 −0.93%
48 months Share Certificate $500 4.00%Verified October 22, 2026 −0.98%
60 months Share Certificate $250,000 4.30%Verified October 22, 2026 −0.71%
60 months Share Certificate $100,000 4.25%Verified October 22, 2026 −0.76%
60 months Share Certificate $50,000 4.20%Verified October 22, 2026 −0.81%
60 months Share Certificate $20,000 4.15%Verified October 22, 2026 −0.86%
60 months Share Certificate $500 4.10%Verified October 22, 2026 −0.91%

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 4.30% APY (19 months). The standard rate for a similar term is 4.20% APY (18 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $10 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are SchoolsFirst Federal Credit Union's best CD rates by term?

SchoolsFirst Federal Credit Union's best rate is 4.30% APY on 19 months, verified October 22, 2026.

  1. 30 days3.35%
  2. 3 mo3.75%
  3. 6 mo4.10%
  4. 12 mo4.15%
  5. 18 mo4.20%
  6. 19 mo4.30%
  7. 24 mo4.20%
  8. 36 mo4.20%
  9. 48 mo4.20%
  10. 60 mo4.30%

Calculate earnings at 4.30% for 19 months

How SchoolsFirst Federal Credit Union compares

Rate changes

No changes since we started tracking SchoolsFirst Federal Credit Union on October 22, 2026.

About SchoolsFirst Federal Credit Union

Legal name
SchoolsFirst Federal Credit Union
Regulator ID
NCUA 24212
Headquarters
Santa Ana, CA
Available in
CA
Total assets
$37.2 billion
Also known as
SchoolsFirst, SchoolsFirst FCU
Website
www.schoolsfirstfcu.org

Source: rates read from https://www.schoolsfirstfcu.org/rates/dividend/. See the page text we read.

Frequently asked questions

What is the highest CD rate at SchoolsFirst Federal Credit Union?

4.30% APY on a 19-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a SchoolsFirst Federal Credit Union CD?

The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $250,000.

How does SchoolsFirst Federal Credit Union's best CD rate compare with Treasury yields?

4.30% APY is −0.44% versus the 19-month Treasury yield of 4.74% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.30% a good CD rate?

It is 2.8 times the FDIC national average for a similar term (1.55% 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 SchoolsFirst Federal Credit Union CDs insured?

SchoolsFirst Federal Credit Union is a federally insured credit union (NCUA 24212). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at SchoolsFirst 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 SchoolsFirst 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 SchoolsFirst Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with SchoolsFirst Federal Credit Union before opening an account. This page is not financial advice.