1st United Services Credit Union (1st USCU) is offering a 36-month Fixed Share Certificate (2.00% APY). The minimum deposit is $1K, with no balance cap.
The 36-month Fixed Share Certificate is also offered as an IRA (Traditional and Roth) that earns a slighter higher APY of 2.10%, with the same opening deposit of $1K.
|2.10%||$1k||-||1St United Services Credit Union||36 Month IRA Fixed Certificate (Traditional, Roth)|
|2.00%||$1k||-||1St United Services Credit Union||36 Month Fixed Share Certificate|
The fine print on the CU’s Deposit Rates page lists two advantageous conditions:
If we advertise a higher rate on certificates of this type you can make a one-time request during your certificates term to move up to the new rate.
You may add funds to the balance of this certificate at any time.
As stated in 1st United Services CU’s Member Account Agreement and Disclosure document, the Early Withdrawal Penalty reads as follows:
If the term is 13 months or longer, the dividend penalty will be the lesser
of the dividends earned or 180 days dividends on the amount withdrawn.
Headquartered in Pleasanton, California, 1st United Services Credit Union offers membership through a variety of ways.
Residency: Individuals who live, work, or attends school in Alameda and Contra Costa Counties are eligible to join.
Employment: Employees of 1st USCU SEGs (includes State and Local Government organizations) also qualify for membership.
Relationship: Immediate family members of current members related by blood or marriage are eligible for membership.
Joining 1st United Services Credit Union and/or opening a CD can be done online, or by visiting any of ten California branches located in Alameda, Berkeley, Castro Valley, Fremont, Hayward, Oakland (2), Pleasanton, San Leandro, and Union City.
Credit Union Overview
1st United Services Credit Union (NCUA Certificate # 63958) has an overall health grade of "A" at DepositAccounts.com, with a Texas ratio of 3.16% (excellent) based on September 30, 2015 data. In the past year, 1st United Services Credit Union has increased its total deposits by $4.52 Million, an above average annual growth rate of 0.60%. Please refer to our financial overview of 1st United Services Credit Union for more details.
Founded in 1932 as City & County Employees' Credit Union, 1st United Services Credit Union was one of the first credit unions in the State of California formed for the benefit of state and local government employees. The original field of membership (FOM) included Alameda County employees but was expanded to include employees of city and county hospitals and schools. Following a merger in 1996 with ALFA Federal Credit Union, the Credit Union's name was changed to better reflect the FOM. 1st United Services Credit Union became a community chartered credit union in 2001 and today has nearly 50,000 members and assets in excess of $846 Million.
How the CD Compares
When compared to the 296 similar length-of-term CDs tracked by DepositAccounts.com, that require a similar minimum deposit and are offered to California residents, 1st United Services Credit Union's 36-month Fixed Share Certificate currently ranks first.
These rates are accurate as of 1/26/2016.