5.50% 10-Month CD at a California CU - $90K (San Diego County)

San Diego County Credit Union has a decent certificate special with a yield of 5.45% APY and a term of 10 months. Also, there's a special 5.30% APY certificate with a term of 5 months. The minimum deposit is $10,000. For a minimum deposit of $90K, the yields are 5.50% APY and 5.35% APY. These are also available as an IRA certificate.

Field of membership includes all who live or work in San Diego, Riverside or Orange County. See their new-account page for more details on eligibility. Membership requires a minimum deposit of $50 into the Primary Savings account.

Branches are located throughout Southern California. The credit union is federally insured by the NCUA (Charter # 61004). It's a large credit union that has grown a lot since my January post. Total assets are at $3.8 billion (up from $3.5), and there's now 181,823 members (up from 176,799).

Tags: California, San Diego County Credit Union, CD rates, IRA rates