5.63% 36-Month / 5.57% 60-Month CD at a California CU (Open to All).

Western FCU has some competitive rates on long-term certificates. These include a 5.57% APY 60-month CD and a 5.49% APY 48-month CD. The minimum deposit is $2.5K. They also have a 5.63% APY 36-month jumbo CD with a minimum of $100K. These rates are available as regular or IRA certificates. The early withdrawal penalty is 90 days of interest. These can be opened by mail.

The field of membership is open to Surfride Foundation members which is open to everyone. A $25 fee is required to join Surfrider as a regular member. The Friends of Hobbs is another organization via which you can be eligible to join Western FCU. The credit union also has a long list of Select Employer Groups in which you can be immediately eligible to join.

Branches are located in Arizona, Arkansas, California, Colorado, Texas, Utah, Virginia and Washington.

Western is NCUA insured. It's a large credit union with over $1.1 billion in assets and almost 117.6K members.

[Edit 1/6/07: Rates have gone down some, but are still competitive.]