# SchoolsFirst Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/schoolsfirst-credit-union
Institution: SchoolsFirst Federal Credit Union (NCUA 24212)
Aliases: SchoolsFirst, SchoolsFirst FCU
Status: live
Last verified: 2026-10-22T07:00:44.000Z (October 22, 2026)
Official source: https://www.schoolsfirstfcu.org/rates/dividend/
Coverage: Membership is for California school employees and their families.
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 | standard | 30 days | $250,000 | 3.35% | Not ZIP-priced | −0.78% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 30 days | $100,000 | 3.30% | Not ZIP-priced | −0.83% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 30 days | $50,000 | 3.25% | Not ZIP-priced | −0.88% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 30 days | $20,000 | 3.20% | Not ZIP-priced | −0.93% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 30 days | $500 | 3.15% | Not ZIP-priced | −0.98% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 3 months | $250,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 3 months | $100,000 | 3.70% | Not ZIP-priced | −0.59% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 3 months | $50,000 | 3.65% | Not ZIP-priced | −0.65% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 3 months | $20,000 | 3.60% | Not ZIP-priced | −0.69% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 3 months | $500 | 3.55% | Not ZIP-priced | −0.75% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| 6-Month Add-On Promotional Share Certificate | promotional | 6 months | $500 | 4.10% | Not ZIP-priced | −0.30% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 6 months | $250,000 | 4.05% | Not ZIP-priced | −0.35% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 6 months | $100,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 6 months | $50,000 | 3.95% | Not ZIP-priced | −0.45% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 6 months | $20,000 | 3.90% | Not ZIP-priced | −0.50% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 6 months | $500 | 3.85% | Not ZIP-priced | −0.55% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 12 months | $250,000 | 4.15% | Not ZIP-priced | −0.42% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 12 months | $100,000 | 4.10% | Not ZIP-priced | −0.47% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 12 months | $50,000 | 4.05% | Not ZIP-priced | −0.52% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 12 months | $20,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 12 months | $500 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 18 months | $250,000 | 4.20% | Not ZIP-priced | −0.52% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 18 months | $100,000 | 4.15% | Not ZIP-priced | −0.57% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 18 months | $50,000 | 4.10% | Not ZIP-priced | −0.62% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 18 months | $20,000 | 4.05% | Not ZIP-priced | −0.67% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 18 months | $500 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| 19-Month Promotional Share Certificate | promotional | 19 months | $500 | 4.30% | Not ZIP-priced | −0.44% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 24 months | $250,000 | 4.20% | Not ZIP-priced | −0.67% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 24 months | $100,000 | 4.15% | Not ZIP-priced | −0.72% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 24 months | $50,000 | 4.10% | Not ZIP-priced | −0.77% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 24 months | $20,000 | 4.05% | Not ZIP-priced | −0.82% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 24 months | $500 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 36 months | $250,000 | 4.20% | Not ZIP-priced | −0.75% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 36 months | $100,000 | 4.15% | Not ZIP-priced | −0.80% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 36 months | $50,000 | 4.10% | Not ZIP-priced | −0.85% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 36 months | $20,000 | 4.05% | Not ZIP-priced | −0.90% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 36 months | $500 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 48 months | $250,000 | 4.20% | Not ZIP-priced | −0.78% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 48 months | $100,000 | 4.15% | Not ZIP-priced | −0.83% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 48 months | $50,000 | 4.10% | Not ZIP-priced | −0.88% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 48 months | $20,000 | 4.05% | Not ZIP-priced | −0.93% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 48 months | $500 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 60 months | $250,000 | 4.30% | Not ZIP-priced | −0.71% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 60 months | $100,000 | 4.25% | Not ZIP-priced | −0.76% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 60 months | $50,000 | 4.20% | Not ZIP-priced | −0.81% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 60 months | $20,000 | 4.15% | Not ZIP-priced | −0.86% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |
| Share Certificate | standard | 60 months | $500 | 4.10% | Not ZIP-priced | −0.91% | 2026-10-22T07:00:44.000Z | [Snapshot 154](https://apyledger.com/snapshots/154) |

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.