San Diego County Credit Union has a competitive certificate special with a 4.00% APY 7-month CD and a 4.25% APY 14-month CD. The minimum deposit is $10,000. Deposits of at least $90K qualify for an extra 5 basis points. Deposits between $2K and $10K earn 5 basis points less. 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 July 2007 post. Total assets are $4.2 billion (up from $3.8), and there's now 195,105 members (up from 181,823).