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Best 1-year credit union CD rates — October 2021

Returns on savings remain at historic lows, so to find the best rate it pays to shop around and compare yields tied to share certificates offered by credit unions.

Credit union share certificates are similar to certificates of deposit (CDs) offered by banks. For that reason, “share certificate” and “credit union CD” are often used interchangeably. Also, whereas CDs earn interest, share certificates earn dividends, but the effect for the saver is the same. By looking at annual percentage yields (APYs), consumers can compare interest and dividends on an apples-to-apples basis.

The average 1-year CD yield was 0.15 percent APY, according to Bankrate’s weekly survey of institutions on Sept. 22, 2021.

Pros and cons of credit union CDs

Brick-and-mortar banks can be pretty stingy when it comes to paying interest on savings accounts. In many cases, their CD rates aren’t impressive either.

But finding a credit union offering competitive rates on CDs is fairly easy. As member-owned institutions, Credit unions operate for the benefit of their customers.

The drawback? You may not have access to a credit union share certificate if you cannot qualify for membership. Many credit unions are easy to join, but there are still institutions that have restrictions based on where you live or work or the group you’re affiliated with.

Like certificates of deposit at banks, credit union share certificates may also automatically renew after the term expires. For that reason, it’s important to keep track of your investments, should the need arise to use the funds before the certificate has matured, which would likely result in an early withdrawal penalty.

Here are some credit unions offering today’s best widely available 1-year CD rates:

Best 1-year credit union CD rates — October 2021

  • Pentagon Federal Credit Union: 0.60% APY, $1,000 minimum deposit.
  • Alliant Credit Union: 0.55% APY, $1,000 minimum deposit.
  • Delta Community Credit Union: 0.55% APY, $1,000 minimum deposit.
  • Navy Federal Credit Union: 0.55% APY, $1,000 minimum deposit.
  • SchoolsFirst Federal Credit Union: 0.50% APY, $20,000 minimum deposit.
  • Bethpage Federal Credit Union: 0.45% APY, $50 minimum deposit.
  • Golden 1 Credit Union: 0.45% APY, $500 minimum deposit.
  • VyStar Credit Union: 0.45% APY, $500 minimum deposit.
  • Suncoast Credit Union: 0.40% APY, $500 minimum deposit.
  • Security Service Federal Credit Union: 0.40% APY, $25,000 minimum to earn the APY.
  • State Employees’ Credit Union: 0.35% APY, $250 minimum deposit.
  • America First Credit Union: 0.35% APY, $500 minimum deposit.
  • Randolph-Brooks Federal Credit Union: 0.35% APY, $1,000 minimum deposit.

Note: The annual percentage yields (APYs) shown are as of Sept. 27, 2021. Bankrate’s editorial team updates this information regularly, typically monthly. APYs may have changed since they were last updated.

Pentagon Federal Credit Union: 0.60% APY, $1,000 minimum deposit

Pentagon Federal Credit Union (PenFed) was established in 1935. It is based in McLean, Virginia, and has about 2.1 million members.

PenFed has nine terms of CDs, ranging from six months to seven years.

  • What a 1-year CD pays: 0.60 percent APY
  • Membership restrictions: Everyone is eligible to apply for PenFed membership. All that is needed is to open and maintain a savings account with at least $5 in it. Some products may require military affiliation to receive certain benefits of the product.
  • Minimum deposit: $1,000
  • Early withdrawal penalty: You’ll lose all dividends.

Alliant Credit Union: 0.55% APY, $1,000 minimum deposit

In 1935, what’s now Alliant Credit Union was founded as the United Airlines Employees’ Credit Union. Alliant currently has approximately 600,000 members nationwide.

Alliant offers competitive APYs with low minimum balance requirements for CDs. Alliant also has traditional individual retirement account (IRA) CDs, Roth IRA CDs and SEP IRA CDs.

  • What a 1-year CD pays: 0.55 percent APY
  • Membership restrictions: Current employees or those who are retired from a business that partners with Alliant Credit Union may be eligible to join the credit union. You may also be able to join by belonging to an organization that Alliant Credit Union partners with. You can also qualify to join Alliant Credit Union if you live or are employed in a community near its Chicago headquarters. If those circumstances don’t apply to you, you can make a one-time $5 payment and Alliant Credit Union will donate that money to Foster Care to Success so you can become an Alliant Credit Union member.
  • Minimum deposit: $1,000
  • Early withdrawal penalty: Dividends on the number of days the CD is open, up to 90 days. (So, if you withdraw after 180 days, you will pay a penalty of 90 days of dividends; if you withdraw after only 20 days, your penalty is all 20 days of dividends.)

Delta Community Credit Union began as the Delta Employees Credit Union in 1940. It was started by eight Delta Air Lines employees. Delta Community Credit Union has about 439,000 members and has 29 branches in metro Atlanta and three branches outside of Georgia.

  • What a 1-year CD pays: 0.55 percent APY
  • Membership restrictions: Anyone living or working in metro Atlanta and employees of more than 150 businesses are welcome at Delta Community Credit Union. Delta Air Lines, Chick-fil-A and UPS are some of the eligible businesses.
  • Minimum deposit: $1,000
  • Early withdrawal penalty: 90 days of dividends.

Navy Federal Credit Union: 0.55% APY, $1,000 minimum deposit

Navy Federal Credit Union has about 10 million members and is the world’s largest credit union. It has a global network of 340 branches and is headquartered in Vienna, Virginia.

In addition to CDs, Navy Federal Credit Union also offers checking and savings accounts, loans and credit cards.

  • What a 1-year CD pays: 0.55 percent APY.
  • Membership restrictions: Membership at Navy Federal Credit Union is open to all Department of Defense and Coast Guard Active Duty, civilian, contract personnel, veterans and their families.
  • Minimum deposit: $1,000.
  • Early withdrawal penalty: The lesser of all dividends for 90 days on the amount that you withdraw or all of the dividends withdrawn since the certificate was issued or renewed.

SchoolsFirst Federal Credit Union: 0.50% APY, $20,000 minimum deposit

SchoolsFirst Federal Credit Union was formed during the Great Depression in 1934. The credit union, created by school employees, has 50 branches.

SchoolsFirst Federal Credit Union (SchoolsFirst FCU) has low minimum balances and CD terms from as short as 30 days to as long as five years. The more money you put in your CD, the higher the APY. CDs at this credit union have four balance tiers: $500, $20,000, $50,000 or $100,000.

  • What it pays: 0.5 percent APY, $20,000 minimum deposit.
  • Membership restrictions: SchoolsFirst FCU serves the California educational community. Certain school employees, certain retired school employees and immediate family members of existing SchoolsFirst FCU members may be able to join.
  • Minimum deposit: $20,000 for this APY.
  • Early withdrawal penalty: 90 days of dividends.

Bethpage Federal Credit Union: 0.45% APY, $50 minimum deposit

Bethpage Federal Credit Union is one of the largest credit unions in the U.S., with about 417,000 members. It opened in 1941 for Grumman employees. Anyone who opens a $5 savings account can become a member.

Bethpage offers nine terms of CDs, ranging from three months to five years, and one 39-month Bump-Up CD.

  • What a 1-year CD pays: 0.45 percent APY.
  • Membership restrictions: Bethpage FCU membership is open to anyone who opens a savings account with $5.
  • Minimum deposit: $50.
  • Early withdrawal penalty: 180 days of dividends.

Golden 1 Credit Union: 0.45% APY, $500 minimum deposit

Golden 1 Credit Union was established in 1933. It has 1 million members and more than 70 branches in California.

  • What a 1-year CD pays: 0.45 percent APY.
  • Membership restrictions: You must live or work in California and open a savings account at Golden 1 Credit Union with at least $1.
  • Minimum deposit: $500.
  • Early withdrawal penalty: 180 days of dividends.

VyStar Credit Union: 0.45% APY, $500 minimum deposit

Headquartered in Jacksonville, Florida, VyStar Credit Union (formerly Jax Navy Federal CU) has about 765,000 members and is one of the largest financial institutions in northeast Florida.

VyStar offers share certificates ranging from three months to five years, with a $500 minimum deposit to open. It also offers an 18-month step-up certificate that lets you deposit more money to raise your rate.

  • What a 1-year CD pays: 0.45 percent APY.
  • Membership restrictions: VyStar membership is people who live or work in 49 Florida counties and 10 Georgia counties.
  • Minimum deposit: $500.
  • Early withdrawal penalty: 180 days of dividends.

Suncoast Credit Union: 0.40% APY, $500 minimum deposit

Suncoast Credit Union was started in 1934 as Hillsborough County Teachers Credit Union. Suncoast Credit Union now has 74 branches and has about 974,000 members.

Suncoast Credit Union is the 10th largest credit union in the U.S., based on membership, and is also the 10th largest based on assets.

  • What a 1-year CD pays: 0.4 percent APY.
  • Membership restrictions: People who attend school, live, work or worship in a county in Florida that Suncoast Credit Union serves are welcome to join.
  • Minimum deposit: $500.
  • Early withdrawal penalty: 90 days of interest.

Security Service Federal Credit Union – 0.40% APY, $25,000 minimum deposit to earn the APY

Security Service Federal Credit Union was founded in 1956 to serve the needs of members and families of the U.S. Air Force Security Service Command.

Based in San Antonio, it offers a full slate of consumer banking products, such as checking and savings accounts, mortgages, auto loans and credit cards.

  • What a 1-year CD pays: 0.4 percent APY.
  • Membership restrictions: People who live, work, worship, attend school, volunteer or have a business in Colorado, Texas or Utah are eligible to join, as are members of select military branches or units and Department of Defense employees at specific military bases within the credit union’s service area. Members’ families and household members also can join.
  • Minimum deposit for this APY: $25,000.
  • Early withdrawal penalty: forfeit all dividends earned, not to exceed 90 days of dividends, with minimum of 30 days of dividends.

State Employees’ Credit Union: 0.35% APY, $250 minimum deposit

State Employees’ Credit Union serves about 2.6 million members and has 270 branch offices. It was established in 1937 and has its main office in Raleigh, North Carolina.

  • What it pays: 0.35 percent APY.
  • Membership restrictions: You’ll need to meet one of the State Employees’ Credit Union eligibility requirements to become a member. Some ways to become a member are by being an employee of the state of North Carolina, being a federal employee assigned to North Carolina state agencies, being an employee of public boards of education or by being a county employee of social services, health, mental health or civil defenses. Immediate family, which includes a spouse, children, parents or siblings, of a current member also may be eligible for membership.
  • Minimum deposit: $250.
  • Early withdrawal penalty: You’ll lose at least 30 days of dividends, but no more than 90 days of dividends.

America First Credit Union: 0.35% APY, $500 minimum deposit

America First Credit Union was founded in 1939. It has 128 full-service branches and is the ninth largest credit union, based on assets, in the U.S. Its main office is in Riverdale, Utah. It also is the sixth largest based on membership.

American First Credit Union has about 1.2 million members.

  • What a 1-year CD pays: 0.35 percent APY.
  • Membership restrictions: You can join America First Credit Union if you work, regularly conduct business in, live, volunteer, worship or go to school in certain areas of Utah, Nevada, Arizona, Idaho or New Mexico. See the America First Credit Union website for full details on who can become a member.
  • Minimum deposit: $500.
  • Early withdrawal penalty: 60 days of dividends.

Randolph-Brooks Federal Credit Union: 0.35% APY, $1,000 minimum deposit

Randolph-Brooks Federal Credit Union was established in 1952 and is headquartered in Live Oak, Texas. It operates 61 branches and serves four major markets: Austin, Corpus Christi, Dallas-Fort Worth and San Antonio.

Besides CDs, Randolph-Brooks Federal Credit Union offers a Really Free Checking account that requires no minimum balance and charges no monthly fee. It has about 975,000 members.

  • What it pays: 0.35 percent APY.
  • Membership restrictions: Where you live, attend school, work or worship are some of the more than 3,000 ways to become a member at Randolph-Brooks Federal Credit Union.
  • Minimum deposit: $1,000.
  • Early withdrawal penalty: 60 days.

Read the fine print

Before signing up for any bank account, it’s important to understand the terms and conditions. With share certificates — and CDs across the board — there’s typically a penalty for early withdrawal. By pulling money out of your share certificate (or CD) before it matures, you’ll likely forfeit some of the interest you’ve earned. Consequences for early withdrawals vary from one credit union to the next and sometimes vary within a single credit union for share certificates with different term lengths. Also, you may be required to ask for an early withdrawal in writing. Check with your credit union for its policy.

As long as the credit union you’ve chosen is federally insured by the National Credit Union Administration Share Insurance Fund, the money you’ve deposited in your share certificate will be safe. In the event that the credit union shuts down, you’ll still walk away with your savings. Just keep in mind that there’s a $250,000 threshold for single ownership accounts. Larger amounts won’t be automatically insured.

Recap: Best 1-year credit union CD rates — October 2021

InstitutionAPYMinimum deposit for APY
Pentagon Federal Credit Union0.60%$1,000
Alliant Credit Union0.55%$1,000
Delta Community Credit Union0.55%$1,000
Navy Federal Credit Union0.55%$1,000
SchoolsFirst Federal Credit Union0.50%$20,000
Bethpage Federal Credit Union0.45%$50
Golden 1 Credit Union0.45%$500
VyStar Credit Union0.45%$500
Suncoast Credit Union0.40%$500
Security Service Federal Credit Union0.40%$25,000
State Employees’ Credit Union0.35%$250
America First Credit Union0.35%$500
Randolph-Brooks Federal Credit Union0.35%$1,000

Learn more about other CD terms:

Sours: https://www.bankrate.com/banking/cds/best-1-year-credit-union-cd-rates/

Unify Financial

Unify Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Unify Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Unify FinancialU.S. Average
2.95%3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, Unify Financial had $9,586,808 in non-current loans and $537,944 in owned assets. To cover these potential losses it had $313,692,477 in net worth and $29,669,711 in loans loss reserves. That gives it a Texas Ratio of 2.95%.

Net Worth
Unify FinancialU.S. Average
8.73%12.22%

Unify Financial FCU has a net worth of 8.73% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Sours: https://www.bestcashcow.com/credit-unions/unify-financial-15732
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Unify Financial Federal Credit Union

A short history of Unify Financial FCU

Since its inception in 1963 the Unify Financial Federal Credit Union has been serving its members in the TORRANCE, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Gordon Howe, the Unify Financial FCU has grown its membership to over 226,469 with assets of more than $2,747,255,662. They have a main office and 55 branch offices. Please see the credit unions website or contact them by phone at (877) 254-9328 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in TORRANCE, CA.

General Information For Unify Financial FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number15732
Address1899 WESTERN WAY 
CityTORRANCE 
StateCalifornia 
Zip-Code90501
Phone Number(877) 254-9328
Fax Number(310) 381-2316
Email Address:none
CEO/PresidentGordon Howe
Members226,469 
Full-Time Employees630 
Part-Time Employees
Number of Branch Offices55 
Total Assets2,747,255,662 
Websitehttp://www.unifyfcu.com 

Compare Unify Financial Federal Credit Union To Other Local Credit Unions


Credit Union Name

Branch Name

Address

Zip Code

Phone Number

ATM Access

Distance (Miles)

Parishioners CUMain Office2355 Crenshaw Blvd Ste 10090501(310) 320-4588No0.99
Torrance Community CUHeadquarters1511 Cravens Ave90510(310) 618-9111No1.01
Honda CUAnna Office12500 Meranda Rd45302(937) 642-6000No2.18
Nikkei CUNikkei Credit Union - Gardena Branch18425 S Western Ave90248(310) 324-1544No2.33
Northrop Grumman CUCentral Bldg7323 Aviation Blvd90248(410) 993-6000No2.43

Unify Financial Federal Credit Union Financial Performance Charts


Website Image

Unify Financial Federal Credit Union

Financial Data


Unify Financial Federal Credit Union Lowest Loan Rates With State and USA Rankings


Unify Financial Federal Credit Union Highest Deposit Rates With State and USA Rankings

Unify Financial Federal Credit Union Loans and Leases

Unsecured Credit Card Loans9.99041,11689,057,780
All Other Unsecured Loans/Lines of Credit8.75033,433161,982,509
Short-Term, Small Amount Loans (STS) (Federal CU Only)28.0001,197781,576
Non-Federally Guaranteed Student Loans0.00000
New Vehicle Loans3.24010,382269,830,158
Used Vehicle Loans2.49021,226304,701,064
Total 1st Mortgage Real Estate Loans/Lines of Credit3.6303,027955,747,389
Total Other Real Estate Loans/Lines of Credit4.0003,596134,872,670
Leases Receivable0.00000
Total All Other Loans/Lines of Credit3.98073413,624,197
TOTAL LOANS & LEASES114,7111,930,597,343

Unify Financial Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

Fixed Rate
    a. > 15 years1,585463,349,57022974,513,263
    b. 15 Years or less900285,094,3787160,246,862
Balloon/Hybrid
    a. > 15 years313142,681,3927329,478,104
    b. 15 Years or less21761,135,820186,531,496
Other Fixed Rate0000
Adjustable Rate 1 yr or less123,486,22900
Adjustable Rate > 1 yr0000

OTHER REAL ESTATE

Closed-End Fixed Rate36313,685,7687578,250
Closed-End Adjustable Rate5207,20100
Open-End Adjustable Rate2,839109,196,95623222,718,591
Open-End Fixed Rate38911,782,745853,756,980
TOTALS6,6231,090,620,059715197,823,546

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans269,833,0780
Interest Only & Payment Option Other RE/LOC Loans1,52270,338,59322,681,896
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM)0000
    b. Proprietary Reverse Mortgage Products0000

Unify Financial Federal Credit Union Member Offerings
First Time Homebuyer ProgramYes
Real Estate LoansYes
Pay Day LendingNo
Share Secured Credit CardsYes
Overdraft Protection/Courtesy PayYes
Overdraft Lines of CreditYes
ATM/Debit Card ProgramYes
Interest Only and Payment Option 1st Mortgage LoansYes
Check CashingYes
Money OrdersNo
No Surcharge ATMs Yes
Home Banking Via Internet WebsiteYes
Sours: http://www.usacreditunions.com/unify-financial-federal-credit-union-15732
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