3 CDs, 1 IRA CDChecked Oct 10, 2026Updated Oct 9, 2026

Schoolsfirst CD rates

4.30%APY for 19 months, its best · as of Oct 10, 2026

Visit SchoolsfirstPlaces are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.

19-Month Certificate

Term	APY	On our list
19 months	4.30%	–

Minimum to open: $500Source · checked Oct 10, 2026
Early withdrawal penalty: Early withdrawal/account closure subject to penalty; fees may reduce earnings on the account.Source · checked Oct 10, 2026
Grace period at maturity: 10 daysSource · checked Oct 10, 2026
Interest compounds: Dividends are calculated and compounded daily from the date of deposit to the date of withdrawal using a 365-day year (366 days in a leap year).Source · checked Oct 10, 2026
Membership: Membership required:
A current or retired school employee of an eligible school.
An immediate family member of a SchoolsFirst FCU Member, including spouse, domestic partner, parent, sibling, child, grandparent or grandchild.
A college student enrolled in an eligible education program with a student teaching requirement.
An employee of a company whose primary business is to provide a direct service to an eligible school or district in California.
Source · checked Oct 10, 2026

Term	APY	On our list
6 months	4.10%	#22 of 142

Minimum to open: $500Source · checked Oct 10, 2026
Early withdrawal penalty: Early withdrawal/account closure subject to penalty; fees may reduce earnings on the account.Source · checked Oct 10, 2026
Grace period at maturity: 10 daysSource · checked Oct 10, 2026
Interest compounds: Dividends are calculated and compounded daily from the date of deposit to the date of withdrawal using a 365-day year (366 days in a leap year).Source · checked Oct 10, 2026
Membership: Membership required:
A current or retired school employee of an eligible school.
An immediate family member of a SchoolsFirst FCU Member, including spouse, domestic partner, parent, sibling, child, grandparent or grandchild.
A college student enrolled in an eligible education program with a student teaching requirement.
An employee of a company whose primary business is to provide a direct service to an eligible school or district in California.
Source · checked Oct 10, 2026

Term	APY	On our list
6 months	4.10%	#21 of 142
19 months	4.30%	–

Minimum to open: $500Source · checked Oct 10, 2026
Early withdrawal penalty: Early withdrawal/account closure subject to penalty; fees may reduce earnings on the account.Source · checked Oct 10, 2026
Grace period at maturity: 10 daysSource · checked Oct 10, 2026
Interest compounds: Dividends are compounded daily and paid to your account monthlySource · checked Oct 10, 2026
Membership: Membership required:
A current or retired school employee of an eligible school.
An immediate family member of a SchoolsFirst FCU Member, including spouse, domestic partner, parent, sibling, child, grandparent or grandchild.
A college student enrolled in an eligible education program with a student teaching requirement.
An employee of a company whose primary business is to provide a direct service to an eligible school or district in California.
Source · checked Oct 10, 2026

· checked Oct 10, 2026

Membership: Membership required:
A current or retired school employee of an eligible school.
An immediate family member of a SchoolsFirst FCU Member, including spouse, domestic partner, parent, sibling, child, grandparent or grandchild.
A college student enrolled in an eligible education program with a student teaching requirement.
An employee of a company whose primary business is to provide a direct service to an eligible school or district in California.
Source · checked Oct 10, 2026

CD rates change often; the bank’s own page is the final word. We have fewer than three of this bank’s terms on record. Best CD rates by term · CD calculator · Report a mistake