bank rates

Alliance Credit Union Offers Tough-To-Beat Deal On 4-Year CDs


In an unexpected pairing, savers in the Bay Area and those in and around Wilmington, North Carolina, are being treated to the same chart-topping CD offer.

San Jose-based Alliance Credit Union operates in both of those locations and is matching the 2.00% APY that tops our CD Rates Leaderboard of nationally available 4-year bank certificates.

Alliance’s 48-month CD requires a $500 minimum deposit, versus the $1,000 required by national bank leader Bay State Savings Bank.

But Bay State is a bit of an outlier, with the next-best national bank offer coming in far below, at 1.78% APY.

So although it’s always a good idea to check the latest offers in Bankrate’s extensive database of the day’s best CD rates, Alliance’s 2.00% APY offer will be hard to beat.

Membership in the credit union is available to anyone who lives or works in three Bay Area counties (Santa Clara, Alameda and San Mateo) and three counties surrounding Wilmington (New Hanover, Pender and Brunswick).

In addition, employees of more than 500 affiliated companies are eligible for Alliance membership.

Joining the credit union and opening its certificates of deposit can be done online or at one of its five branches in San Jose, Sunnyvale (California) and Wilmington.

To search dozens more deals like this one, be sure to visit our constantly updated roundup of the country’s best credit union and community bank CDs.

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