Five Points, California CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Five Points, California CD rates include Schools Federal Credit UnionSchools Federal Credit UnionA+5.0 ★Texas Ratio: 1.27%Real return: +3.10%APY minus CPI (February 2026) offering Relationship Certificate (12 months) at 5.90% APY, CBC Federal Credit UnionCBC Federal Credit UnionA+5.0 ★Texas Ratio: 3.89%Real return: +1.45%APY minus CPI (February 2026) offering 1-Year IRA Term Share Certificates at 4.25% APY, Thinkwise Federal Credit UnionThinkwise Federal Credit UnionA+5.0 ★Texas Ratio: 3.14%Real return: +1.45%APY minus CPI (February 2026) offering 12 Months at 4.25% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.45%APY minus CPI (February 2026) offering 18-Month CD at 4.25% APY, and U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 4.34%Real return: +1.45%APY minus CPI (February 2026) offering 1 Year Starter Add-On at 4.25% APY. CD rates as of July 11, 2026 according to verified data from MonitorBankRates.
Five Points is a smaller community with no bank or credit union branches currently in our database. 779 institutions serving the California area are available to Five Points residents, with CD rates as high as 5.90% APY from Schools Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 11, 2026
Compare Best CD Rates in Five Points, California & the Surrounding Area
Five Points 3 Month CD Rates
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.57%; Non-Rewards+ Loyalty Program APY1: 2.60%
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.
Special Offer, Special Rate, Limited Time. APY: Annual Percentage Yield
balances $10,000 - $100,000
Maximum $100,000 per member.
Maximum $100,000 per member.
Balance $100,000 - $199,999.99
Balance $50,000 - $99,999.99
Balance $1,000 - $49,999.99
Maximum $100,000 per member.
Maximum $100,000 per member.
Funding Limit: $12M
APY for $100K Minimum
APY for $10K Minimum
APY for $2K Minimum
Early Withdrawal 30 day Penalty
Early Withdrawal 30 day Penalty
Five Points 6 Month CD Rates
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Tiered Rate; $500 - $9,999
Federally insured.
Exclusively for Premier clients. Funded with New Money. Fixed interest rate until maturity.
Variable rates and subject to change.
Promotional offer.
Online CD. For existing Premier customers. Variable rates and subject to change.
Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%
Rate: 3.59%, APY: 3.65% for $1,000 - $49,999.99; Rate: 3.64%, APY: 3.70% for $50,000 - $99,999.99; Rate: 3.69%, APY: 3.75% for $100,000 and over
Fixed
Online Only.
New funds only**
Special Offer, Special Rate, Limited Time. APY: Annual Percentage Yield
$100
Limited time offer. Dividend rate and APY may change at any time. APY is based on the assumption that the principal and dividends will remain in the account until maturity. Withdrawals, transfers, and fees reduce earnings.
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
Balance $100,000 - $199,999.99
Limited Time CD Special
Balance $50,000 - $99,999.99
Balance $1,000 - $49,999.99
Five Points 12 Month CD Rates
Stated rate is 4.169%. APY is accurate as of June 1, 2026. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 3.06%; Non-Rewards+ Loyalty Program APY1: 3.10%
Online Only.
Terms and Conditions
Variable rates and subject to change.
Exclusively for Premier clients. Funded with New Money. Fixed interest rate until maturity.
Rate: 3.74%, APY: 3.80% for $1,000 - $49,999.99; Rate: 3.74%, APY: 3.80% for $50,000 - $99,999.99; Rate: 3.74%, APY: 3.80% for $100,000 and over
Dividend Rate $50,000 - $99,999.99: 3.74%, Annual Percentage Yield $50,000 - $99,999.99: 3.80%, Dividend Rate $100,000 and over: 3.74%, Annual Percentage Yield $100,000 and over: 3.80%
Online CD. For existing Premier customers. Variable rates and subject to change.
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Tiered Rate; $500 - $9,999
Balance $100,000 - $199,999.99
Balance $50,000 - $99,999.99
Fixed
Dividends paid annually and at maturity
$100
Balance $1,000 - $49,999.99
Five Points 18 Month CD Rates
Featured rate. Online Only.
Minimum balance to earn APY: $100,000, $40,000, $100
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 3.06%; Non-Rewards+ Loyalty Program APY1: 3.10%
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Variable Rate
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
$100
Dividends paid annually and at maturity
Tiered Rate; $500 - $9,999
In today's volatile rate market, enjoy a highly competitive rate, with the peace of mind that your funds are insured; Fast and easy online opening; Certificate rolls into 24-month Certificate upon maturity.
You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
Five Points 24 Month CD Rates
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Variable rates and subject to change.
Exclusively for Premier clients. Funded with New Money. Fixed interest rate until maturity.
Online CD. For existing Premier customers. Variable rates and subject to change.
Platinum
$100
Gold
Fixed
Silver
Standard
Minimum balance to earn APY: $100,000, $40,000, $100
Dividends paid annually and at maturity
Balance $100,000 - $199,999.99
Balance $50,000 - $99,999.99
Five Points 36 Month CD Rates
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Minimum balance to earn APY: $100,000, $40,000, $100
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Platinum
Gold
Silver
$100
Standard
Minimum balance to earn APY: $100,000, $40,000, $100
Balance $100,000 - $199,999.99
Balance $50,000 - $99,999.99
Five Points 48 Month CD Rates
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Platinum
Gold
Silver
$100
Standard
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Minimum balance to earn APY: $100,000, $40,000, $100
Balance $100,000 - $199,999.99
Balance $50,000 - $99,999.99
Balance $1,000 - $49,999.99
APY assumes deposits and dividends are held to maturity. Penalty for early withdrawal and fees or other conditions could reduce earnings. 13+ months penalty: 180 days of dividends.
Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.
Jumbo
Earn 3.05% APY on balances of $500 or more. Account matures in 48 months.
Five Points 60 Month CD Rates
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.96%; Non-Rewards+ Loyalty Program APY1: 3.00%
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Rate is 0.100% APY lower for non-GoldStar? members
Platinum
Gold
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Silver
Standard
$100
Minimum balance to earn APY: $100,000, $40,000, $100
Additional 0.10% for Jumbo Certificates $50,000 and more.
Certificate rates are fixed for the term purchased. Subject to penalties for early withdrawal. Dividends are based on the average daily balance and are posted quarterly.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Five Points, CA CD Rate Trends
Compare local Five Points, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California 12-month CD rates fell 0.302 points over the past 7 days to 1.932% APY.
California 6-month CD rates fell 0.650 points over the past 7 days to 0.724% APY.
CA CD Rate Forecast — Next 12 Months
Where are California CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at CA CD Rates Today
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.651% | $32.56 | $65.11 | $162.78 | $325.55 |
| 6-Month CD | 0.724% | $36.21 | $72.41 | $181.03 | $362.05 |
| 12-Month CD | 1.932% | $96.62 | $193.24 | $483.10 | $966.20 |
| 18-Month CD | 2.227% | $111.34 | $222.68 | $556.70 | $1,113.40 |
| 24-Month CD | 2.425% | $121.25 | $242.49 | $606.23 | $1,212.45 |
| 36-Month CD | 2.375% | $118.74 | $237.47 | $593.68 | $1,187.35 |
| 48-Month CD | 2.406% | $120.28 | $240.56 | $601.40 | $1,202.80 |
| 60-Month CD | 2.659% | $132.95 | $265.90 | $664.75 | $1,329.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 11, 2026. | |||||
Sample CD Ladder for Five Points, California Savers
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.651% | $32.56 |
| 2 | 6-Month CD | $5,000 | 0.724% | $36.21 |
| 3 | 12-Month CD | $5,000 | 1.932% | $96.62 |
| 4 | 24-Month CD | $5,000 | 2.425% | $121.25 |
| 5 | 36-Month CD | $5,000 | 2.375% | $118.74 |
| Total ($25,000 invested) | $25,000 | 1.622% blended | $405.38/yr | |
Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Five Points, California
About Our Five Points, California CD Rate Database
MonitorBankRates tracks 957 CD rates from 23 banks and 79 credit unions with locations in Five Points, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Schools Federal Credit Union offers a CD at 5.90% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Five Points, California.
How to Find the Best CD Rates in Five Points, California
What to compare when shopping for a CD in Five Points, California
To find the best APYs in Five Points, California, start with credit unions and online-only banks — Five Points, California has 79 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Five Points, California
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Five Points, California — 102 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Five Points, California savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Five Points, California money market rates
California Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
15.7% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 6.6% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 1.932%, saving 10% of the local median salary ($4,903/year) and putting it in a CD would earn an additional $95 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Five Points, California
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Five Points, California
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Five Points, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Five Points, California as everywhere in the U.S.
Choosing a CD Term in Five Points, California
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Five Points, California savers easier access to their funds. For example, Credit Union of Southern California is offering its 6 month Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Credit Union of Southern California is offering its 60 month Certificate at 4.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Five Points, California Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Five Points, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Five Points, California
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Five Points, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Five Points, California
Most CDs carry a fixed rate that is locked for the entire term, protecting a Five Points, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Five Points, California
Are CD rates in Five Points, California FDIC insured?
Do I have to pay state taxes on CD interest in Five Points, California?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Five Points, California?
- Schools Federal Credit Union: 5.90% APY (Relationship Certificate (12 months))
- Credit Union of Southern California: 4.25% APY (60 month Certificate)
- CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
- Thinkwise Federal Credit Union: 4.25% APY (12 Months)
- United Fidelity Bank: 4.25% APY (18-Month CD)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- CIBC: 4.15% APY (18-month CD)
- Noble Federal Credit Union: 4.13% APY (1-2 Year Share Certificate)
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable IRA Certificate)
- F&A Federal Credit Union: 4.10% APY (1-Year Certificate)
CD Calculators for Five Points, California
At today’s CA top rate of 5.90% APY, a $10,000 deposit earns $590 in the first year. Enter your amount to see your exact return.
Five Points, California CD LadderCA CD rates currently range from 0.651% (3-month) to 2.375% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Five Points, California CD at 5.90% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 1.932% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Five Points, California CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Five Points, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Five Points, California. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Five Points, California Rates & Resources
