See How We Stack Up!
Financial Institution APY Term Highest Rate
Financial Partners Credit Union5.00%4 or 7 months!
Wells Fargo¹1.50%1 year
Bank of America¹0.03%1 year
Chase¹0.01%1 year

¹Rates taken from bank websites as of May 30, 2024. Rates are subject to change at any time.


FAQ about Certificate Accounts

A Certificate of Deposit (CD) and Certificates are the same type of account. Traditionally, larger banks call them CDs, while credit unions refer to this account as a Certificate. However, both offer a fixed rate for a specific period of time.

Yes! Funds are federally insured up to $250,000 by the National Credit Union Association (NCUA). IRA certificates are insured separately for up to $250,000. Learn more by visiting the NCUA page.

NCUA Information

No, there are no fees associated with a Financial Partners Certificate account. You may incur an early withdrawal penalty if you withdraw money from the account before the maturity date.

An early withdrawal penalty can be assessed if the funds are withdrawn before the maturity date.

Financial Partners Credit Union is a not-for-profit banking service for Californians. Financial Partners is owned by members, not Wall Street, so we're committed to doing what's best for you, rather than the bottom line.

For over 85 years, Financial Partners has prided itself on generally lower fees and higher savings rates than big banks. Find out how Financial Partners can help you meet your financial goals by visiting our Solutions Finder or speaking to a Financial Partners expert to schedule an appointment.

Calculate Your Earnings

With guaranteed returns, see how much you can earn with our Certificate Calculator. Select your term below and see how you stack up!


APY=Annual Percentage Yield

Name Your Term Certificate: Fees could reduce earnings on the account. Penalty for early withdrawal closure. Rate quoted as of June 15, 2024 and subject to change at any time, be revoked, or end at any time. Financial Partners Credit Union membership required. Minimum deposit is $1,000. New money required, source of funds deposited into certificate may not be from an existing Financial Partners Credit Union account.

National Average: Based on Bankrate's weekly survey of institutions average rates for the week of 05.30.2024 for a 1 year certificate.