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Certificate of Deposit

Invest $1,000 or more in a basic CD, or $50,000 in a jumbo CD, and watch your earnings grow. Your principal and dividends are federally insured and your account may be used as collateral for low-rate EECU loan.

 

Minimum Balance to Open & Earn Interest

  • Minimum to Open: $1,000
  • Average Daily Balance to Earn Dividends: $1,000

 

Certificate of Deposit Benefits

  • Higher Interest than Regular Savings
  • Term Lengths from 3 Months to 5 Years
  • Off Term and Bump Rate Available
  • Earnings Paid Monthly
  • Deposit Earnings into Checking Account or Back into CD
  • Use as Collateral for Low-Interest Loan

 

Standard Savings Benefits

  • EECU Membership
  • Free Online and Mobile Banking
  • Federally Insured by NCUSIF
  • FinanceWorks Financial Management Program
  • No Service Fees1

 

1 Fees may apply if withdrawals are made before maturity or outside the terms of the CD.

Certificates of Deposit Rates

Compounds monthly. Dividend and Interest are credited monthly.
Type of Account Term Dividend Rate APY1 Min. Deposit to Open2
Bump Rate 12 Month3 0.45% 0.45% $5,000.00
Bump Rate 18 Month3 0.60% 0.60% $5,000.00
Bump Rate 24 Month3 0.75% 0.75% $5,000.00
Certificate of Deposit 3 Month 0.20% 0.20% $1,000.00
Certificate of Deposit 6 Month 0.30% 0.30% $1,000.00
Certificate of Deposit 9 Month 0.40% 0.40% $1,000.00
Certificate of Deposit 12 Month 0.50% 0.50% $1,000.00
Certificate of Deposit 18 Month 0.65% 0.65% $1,000.00
Certificate of Deposit 24 Month 0.80% 0.80% $1,000.00
Certificate of Deposit 36 Month 1.00% 1.00% $1,000.00
Certificate of Deposit 48 Month 1.24% 1.25% $1,000.00
Certificate of Deposit 60 Month 1.49% 1.50% $1,000.00

1 APY = Annual Percentage Yield. Fees could reduce the earnings on the account. Rates subject to change without notice. There is a penalty for early withdrawal.
2 Must maintain a minimum $1,000 balance to earn APY
3 Rate may not be bumped until six months after the open date of the CD

Compounds monthly. Dividend and Interest are credited monthly.
Type of Account Term Dividend Rate APY1 Min. Deposit to Open2
Jumbo CD 3 Month 0.25% 0.25% $50,000.00
Jumbo CD 6 Month 0.35% 0.35% $50,000.00
Jumbo CD 9 Month 0.45% 0.45% $50,000.00
Jumbo CD 12 Month 0.55% 0.55% $50,000.00
Jumbo CD 18 Month 0.70% 0.70% $50,000.00
Jumbo CD 24 Month 0.85% 0.85% $50,000.00
Jumbo CD 36 Month 1.04% 1.05% $50,000.00
Jumbo CD 48 Month 1.29% 1.30% $50,000.00
Jumbo CD 60 Month 1.54% 1.55% $50,000.00

1 APY = Annual Percentage Yield. Rates subject to change without notice. There is a penalty for early withdrawal. Fees could reduce the earnings on the account.
2 Must maintain a minimum $50,000 balance to earn APY

Compounds monthly. Dividend and Interest are credited monthly.
Type of Account Term Dividend Rate APY1 Min. Deposit to Open2
High Yield Business 30 Day 0.15% 0.15% $1,000.00
High Yield Business 60 Day 0.15% 0.15% $1,000.00
Business Certificate 6 Month 0.30% 0.30% $1,000.00
Business Certificate 12 Month 0.50% 0.50% $1,000.00
Business Certificate 18 Month 0.65% 0.65% $1,000.00
Business Certificate 24 Month 0.80% 0.80% $1,000.00

1 APY = Annual Percentage Yield. Rates subject to change without notice. There is a penalty for early withdrawal. Fees could reduce the earnings on the account.
2 Must maintain a minimum $1,000 balance to earn APY

 


Members
with Online Banking

Apply in Online Banking

Non-Members
or Members without Online Banking

Apply outside of Online Banking

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Federally insured by NCUA. National Credit Union Administration, a U.S. Government Agency – Member accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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