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California Credit Union

Los Angeles & Orange County

North Island Credit Union

San Diego
California Credit Union and North Island Credit Union
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13-Month Certificate
at 4.50% APY1

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Make Your Deposit Count

4.50% APY1
13-Month Certificate

If you’re looking to earn more on your savings and want to avoid the risks of investment, our Share Certificate may be the savings solution for you. Your money stays exactly where you want it while earning the dividends you deserve.


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  • Safe and secure short-term investment
  • 13-month term
  • Higher dividend yields than savings accounts
  • $1,0001 opening deposit and minimum balance to earn dividends
  • Must be opened with new money only
  • Offer available to both new and existing members
  • Manage your account via Digital Banking


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1 APY=Annual Percentage Yield. APY is accurate as of October 5, 2026. $1,000 minimum opening deposit and $1,000 minimum balance to earn dividends. Fees may reduce earnings on the account. Must be opened with new money only. Penalty for early withdrawal; rate subject to change at maturity. This rate will be offered for a limited time only and is also valid on 13-Month IRA and Business Share Certificates. A Share Account with $.01 Par Value is required to establish membership.

Understanding Share Certificates vs CDs

Share certificates and CDs are quite alike. Share certificates are offered by credit unions, which are not-for-profit financial institutions, while CDs are offered by banks. Both are low-risk accounts that provide a predictable return for your funds for a fixed term, independent of market fluctuations. Plus, they typically yield higher returns than other savings alternatives. Check out our certificate rates to take advantage of one of the safest ways to grow your savings.