Dedicated to Deposits: Deals, Data, and Discussion

Competitive CD Rates at Alaska USA Federal Credit Union in AK, WA & CA - Local Only


Alaska USA Credit Union

Alaska USA Credit Union is offering some competitive CD and IRA CD rates especially for minimum deposits of $10K and $100K. Below are some of the most competitive CD rates as listed in the credit union’s rates page as of 5/23/2011:

  • 2.75% APY 5-year CD $100K min (2.65% for $10K)
  • 2.10% APY 3-year CD $100K min (2.00% for $10K)
  • 1.75% APY 2-year CD $100K min (1.55% for $10K)
  • 1.60% APY 18-mo CD $100K min (1.40% for $10K)

According to the credit union’s disclosure, the early withdrawal penalty is up to 180 days of interest on the amount withdrawn for terms over 1 year. The penalty won’t eat into the principal. If you close the CD early before 180 days, you’ll just lose all of the accrued interest on the amount withdrawn. The grace period at maturity is 10 calendar days.

In addition to Alaska, the credit union has branches in several parts of Washington State and in the Victor Valley region of California. In 2009 they took over Members’ Own Federal Credit Union of Victorville, California through a NCUA purchase agreement. Please refer to our branch locator for Alaska USA Federal Credit Union for more details.


Alaska USA doesn't provide many details on membership eligibility. The credit union's membership page recommends that you contact the credit union to find out if you are eligible. It appears there's a good chance you can be eligible if you live near one of their branches. If you learn any details about who is eligible, please leave a comment.

San Bernardino County

The reader cactus recently mentioned in the Alaska USA reviews that the credit union is open to residents of San Bernardino County. So that makes the credit union available to around 2 million California residents.

Alaska USA is a large credit union with $4.25 billion in assets. It has an overall health score at of 4 stars (out of 5) with a Texas Ratio of 14.23% (above average) based on December 2010 data. Please refer to our financial overview of Alaska USA Federal Credit Union for more details. It's federally insured by the NCUA (Charter # 5913).

How These Compare to the Best Nationally Available CD Rates

Compared to the best nationally available CD rates, Alaska USA’s 18-month CD for a $100K minimum is actually the best deal. Its 1.60% APY tops the best nationally available 18-month CD of 1.55% APY at Alliant Credit Union. The other Alaska USA CDs are not quite as good, but they’re close.

To search for the best local and nationwide CD rates, please refer to the CD rates section of

  Tags: Alaska, Alaska USA Credit Union, California, Washington, CD rates, IRA rates

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