SchoolsFirst FCU CD Rates (November 2026) & Calculator
SchoolsFirst FCU pays up to 4.30% APY on a 19-month certificate. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
SchoolsFirst FCU CD rates (Nov 7, 2026)
Every certificate term SchoolsFirst FCU lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | APY at $20,000+ | APY at $50,000+ | APY at $100,000+ | APY at $250,000+ | $10,000 earns |
|---|---|---|---|---|---|---|---|---|
| 1 month | Share Certificate | $500 | 3.15% | 3.20% | 3.25% | 3.30% | 3.35% | $25.88 |
| 3 months | Share Certificate | $500 | 3.55% | 3.60% | 3.65% | 3.70% | 3.75% | $87.59 |
| 6 months | 6-Month Add-On Promotional Share CertificateSpecial | $500 | 4.10% | – | – | – | – | $202.94 |
| Share Certificate | $500 | 3.85% | 3.90% | 3.95% | 4.00% | 4.05% | $190.68 | |
| 1 year | Share Certificate | $500 | 3.95% | 4.00% | 4.05% | 4.10% | 4.15% | $395.00 |
| 18 months | Share Certificate | $500 | 4.00% | 4.05% | 4.10% | 4.15% | 4.20% | $605.96 |
| 19 months | 19-Month Promotional Share CertificateSpecial | $500 | 4.30% | – | – | – | – | $689.32 |
| 2 years | Share Certificate | $500 | 4.00% | 4.05% | 4.10% | 4.15% | 4.20% | $816.00 |
| 3 years | Share Certificate | $500 | 4.00% | 4.05% | 4.10% | 4.15% | 4.20% | $1,248.64 |
| 4 years | Share Certificate | $500 | 4.00% | 4.05% | 4.10% | 4.15% | 4.20% | $1,698.59 |
| 5 years | Share Certificate | $500 | 4.10% | 4.15% | 4.20% | 4.25% | 4.30% | $2,225.13 |
Special is a promotional rate. Relationship needs a linked account at SchoolsFirst FCU. A dash means the same APY as the opening balance. The highlighted row is SchoolsFirst FCU's top rate.
Source: SchoolsFirst FCU certificate rates. Rates change often; confirm before you open an account.
SchoolsFirst FCU vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 82 other banks we track for the same term.
| Term | SchoolsFirst FCU | National avg | Best other bank |
|---|---|---|---|
| 1 month | 3.15% | 0.23% |  Open Bank 2.02% |
| 3 months | 3.55% | 1.14% |  Popular Direct 4.30% |
| 6 months | 4.10% | 1.39% | Popular Direct 4.35% |
| 1 year | 3.95% | 1.76% |  Sallie Mae 4.60% |
| 18 months | 4.00% | 1.76% (12 mo) | Popular Direct 4.80% |
| 19 months | 4.30% | 1.55% (24 mo) |  Synchrony 4.50% |
| 2 years | 4.00% | 1.55% |  E*TRADE 4.80% |
| 3 years | 4.00% | 1.39% | Popular Direct 4.85% |
| 4 years | 4.00% | 1.31% | Popular Direct 4.95% |
| 5 years | 4.10% | 1.41% | Sallie Mae 5.00% |
Laddering $10,000 across SchoolsFirst FCU's 1 year at 3.95%, 2 years at 4.00%, 3 years at 4.00% earns $819.88 by the time every rung matures, and frees cash every year. Plan the full ladder, mixing banks if you like, on the CD ladder calculator.
Who can join SchoolsFirst FCU
Open to current and retired employees of eligible California schools, their immediate family, and students in an eligible college program. Membership details.
Taxes on SchoolsFirst FCU certificate interest
Certificate dividends are taxed like bank interest: taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the certificate until maturity. SchoolsFirst FCU sends Form 1099-INT when you earn $10 or more in a year. For example, the $689.32 that $10,000 earns over 19 months at 4.30% would cost about $152 in federal tax in the 22% bracket.
If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. Certificates held in an IRA follow IRA tax rules instead. See IRS Publication 550.
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following SchoolsFirst FCU's published rule for that term.
Rates come from SchoolsFirst FCU's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against SchoolsFirst FCU's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 7, 2026 · Maintained by the Financial Calculator editorial team.
SchoolsFirst FCU CD FAQs
Quick answers about SchoolsFirst FCU certificate rates and penalties.
What are SchoolsFirst FCU's CD rates today?
How much will $10,000 earn in a 19-month SchoolsFirst FCU certificate?
Are SchoolsFirst FCU certificates insured?
How do SchoolsFirst FCU's rates compare with the national average?
Compare CD rates at other banks
Best APY at each bank for a $10,000 deposit, checked Nov 7, 2026. SchoolsFirst FCU's best is 4.30%.
- Popular Direct1-year 4.60%Top rate5.00%5 yr
- Sallie Mae1-year 4.60%Top rate5.00%5 yr
- E*TRADE1-year 4.55%4.80%2 yr
Barclays1-year 4.50%4.75%2 yr- FNBA1-year 4.45%4.75%10 yr
- Synchrony1-year 4.30%4.75%5 yr
- Wright-Patt1-year 4.25%Credit union4.70%6 yr
Ally1-year 4.50%4.50%1 yr
American Express1-year 3.75%4.50%10 mo
CIBC Agility1-year 4.50%4.50%1 yr
EverBank1-year 3.50%4.50%2 yr
Live Oak Bank1-year 4.50%4.50%1 yr
Salem Five1-year 4.50%4.50%1 yr
America First1-year 3.90%Credit union4.45%5 yr
Capital One1-year 4.45%4.45%1 yr
Andrews Federal1-year 4.05%Credit union4.40%15 mo
Associated Bank1-year 1.00%4.40%13 mo
Marcus1-year 4.40%4.40%1 yr
City National1-year 4.39%4.39%1 yr
Bask Bank1-year 4.35%4.35%1 yr- Consumers Credit Union1-year 0.90%Credit union4.35%7 mo
- Alliant1-year 4.30%Credit union4.30%1 yr
Atlantic UnionNo 1-year CD4.30%13 mo
Eastern BankNo 1-year CD4.30%18 mo
Flagstar1-year 4.30%4.30%1 yr
FNBNo 1-year CD4.30%13 mo
Huntington1-year 0.25%4.30%13 mo
ICCU1-year 4.15%Credit union4.30%5 yr
SECU1-year 4.00%Credit union4.30%18 mo
TD Bank1-year 4.15%4.30%2 yr
BOK FinancialNo 1-year CD4.25%14 mo
Citi1-year 4.25%4.25%1 yr
Fulton Bank1-year 0.70%4.25%25 mo
PNC1-year 0.02%4.25%13 mo
Poppy Bank1-year 4.25%4.25%3 mo
UMB1-year 0.10%4.25%15 mo
Webster Bank1-year 0.02%4.25%11 mo · rel.
Wells Fargo1-year 1.51%4.25%11 mo · rel.
WSFS1-year 2.75%4.25%7 mo- Old NationalNo 1-year CD4.15%11 mo
Rockland Trust1-year 4.00%4.15%18 mo
Cambridge Savings1-year 2.75%4.10%10 mo
M&T Bank1-year 3.00%4.10%18 mo · rel.
Navy Federal1-year 4.05%Credit union4.10%18 mo
Valley Bank1-year 3.50%4.10%6 mo
WaFd Bank1-year 3.00%4.10%13 mo- United Bank1-year 2.00%4.05%11 mo
Bangor Savings1-year 0.85%4.00%39 mo · rel.
Cape Cod Five1-year 4.00%4.00%1 yr · rel.
CIT Bank1-year 4.00%4.00%1 yr
First Citizens1-year 2.00%4.00%5 mo- First Internet Bank1-year 4.00%4.00%1 yr
- Mission Fed1-year 3.10%Credit union4.00%11 mo
- Sutton Bank1-year 0.40%4.00%13 mo · rel.
Hingham Savings1-year 3.90%3.90%1 yr- Customers BankNo 1-year CD3.85%3 mo
- Johnson Bank1-year 2.75%3.85%13 mo
PenFed1-year 3.60%Credit union3.80%5 yr
Armed Forces Bank1-year 3.55%3.75%18 mo
ESL1-year 0.12%Credit union3.75%7 mo
Five Star Bank1-year 0.30%3.75%11 mo
Forbright Bank1-year 3.65%3.75%9 mo- Open Bank1-year 3.75%3.75%1 yr
Star One1-year 3.70%Credit union3.75%2 yr
Fifth Third1-year 3.70%3.70%1 yr- Unitus1-year 3.65%Credit union3.65%1 yr
Chase1-year 0.50%3.50%8 mo · rel.
DCU1-year 3.50%Credit union3.50%1 yr
U.S. Bank1-year 3.40%3.50%9 mo
Western Alliance1-year 2.78%3.48%3 mo
Amalgamated Bank1-year 3.40%3.40%1 yr
Bank of Hawaii1-year 3.40%3.40%1 yr · rel.- Fremont Bank1-year 1.25%3.30%9 mo
- CitizensNo 1-year CD3.10%14 mo · rel.
First Hawaiian1-year 2.90%3.05%6 mo · rel.
Zions Bank1-year 3.05%3.05%3 mo
Apple Bank1-year 3.00%3.00%6 mo
USAA1-year 1.80%2.25%7 mo
OceanFirst1-year 0.10%0.50%7 yr- Central Pacific Bank1-year 0.13%0.13%1 yr · rel.
First Horizon1-year 0.10%0.10%6 mo
TruistNo 1-year CD–
Green rates beat SchoolsFirst FCU's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.