5.13 12-Month CD at a California CU (Valley Oak)


Valley Oak Credit Union is offering a special 5.13% APY 12-month certificate. The minimum deposit is $25,000. The credit union also has some decent long term rates. An extra 0.25% is available for deposits over $50K and terms of 24 months or longer. This gives yields that range from 5.01% APY for a 30-month term to 5.17% APY for a 60-month term.

Membership is open to all residents of Tulare and Madera Counties. Military or Federal employees of Kings County are also eligible. Please see their How-to-Join page for the full details. Membership requires a $5 fee and a minimum deposit of $25 in the regular shares savings account.

Branches are located in Three Rivers and Visalia, California. The credit union is federally insured by the NCUA (Charter # 64122). It has $60.4 million in assets and 9,112 members.