Community Trust Credit Union is offering some competitive CD and IRA CD rates. These include a 2.07% APY 12-month CD, a 2.17% APY 18-month CD and a 2.33% APY 24-month CD. Minimum deposit is $2,500. These rates are listed in the credit union's rates page as of the morning of 2/11/2010.
I have a feeling these rates won't last much longer. This credit union is a division of Self-Help Federal Credit Union which just recently lowered its 12-month and 24-month CD rates last week. However, Community Trust's CDs have some differences so they may not be in lock-step with SHFCU.
Like the SHFCU, membership is open to anyone who joins the Center for Community Self-Help. Refer to the credit union's membership eligibility page for more details.
Branches are located in the California cities of San Jose, Bakersfield, East Palo Alto, Lamont, Modesto, Porterville and Riverbank.
For more info on Community Trust's parent, Self-Help Federal Credit Union, refer to my last SHFCU review. SHFCU is federally insured by the NCUA (Charter # 24802).