Pacific Marine Credit Union is offering several competitive CD and IRA CD rates. The best deal is the 5-year IRA CD which has a 2.25% APY. The regular 5-year CD has a 2.15% APY. Minimum deposit is $1,000. These rates are listed in the credit union's rate sheet as of 3/6/2012.
One downside to this credit union's share certificates is a very harsh early withdrawal penalty. According to the credit union's Truth-in-Savings disclosure, the EWP is equal to all dividends earned for withdrawals after 6 days from opening.
Credit union membership is open to all those who live, work or worship in San Diego, Riverside and San Bernardino Counties, California. Please refer to the credit union's Who Can Join page for more details. They have an online application (link to application at the credit union's Account page) which allows people to join the credit union and open accounts.
Pacific Marine Credit Union branches are located in the Southern California cities of Barstow, Camp Pendleton, Oceanside, San Diego, San Marcos, Temecula, Twentynine Palms, Vista and Yucca Valley.
The credit union has an overall health score at DepositAccounts.com of 5 stars (out of 5) with a Texas Ratio of 3.31% (excellent) based on December 2011 data. Please refer to our financial overview of Pacific Marine Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 68494).
How These CD Rates Compares
For those who live in San Bernardino County, Alaska USA FCU has a very competitive 5-year Jumbo CD rate of 2.35% APY for a $100K minimum (2.25% APY for $10K).
The highest 5-year CD rate that's nationally available is 2.35% APY at Justice Federal Credit Union. This requires a $100K minimum deposit. For a small minimum deposit, the highest rate is 2.27% APY at Melrose Credit Union.
These rates are accurate as of 3/6/2012.
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