San Jose, California Best CD Rates September 2026

IRA Traditional & Roth Share Certificates

Relationship APY 0.06%

Relationship APY 0.06%

APY* Assumes no compounding, interest paid annually or at maturity.

Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

Term: 3 Months with **Epic Premium Checking

The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.

Earn 3.55% APY on balances of $500 or more.

Over $90,000

$50,000

$20,000

(180 to 269 days)

Traditional, Roth, and Coverdell (ESA) Term IRA Certificate Rates

IRA Traditional & Roth Share Certificates

Relationship APY 0.06%

Relationship APY 0.06%

Summer CD Specials. Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.

Minimum balance for all Certificates and IRA Certificates is $500.

3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.

APY* Assumes no compounding, interest paid annually or at maturity.

Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

Term: 6 Months with **Epic Premium Checking

Additional deposits up to the initial opening deposit amount can be made at any time without penalty.

New Money

New Money

APY assumes that dividends will remain in the account until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

APY assumes that dividends will remain in the account until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Term Share and Traditional, Roth & SEP IRA Certificates

Term: 18 months with **Epic Premium Checking

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

Traditional/Roth IRA Certificates.

New Money

Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%

$50,000+