Jumbo Certificates
Earn more on your savings with a Jumbo Certificate
Build Jumbo Savings
Take your savings to the next level with a Jumbo Certificate from Educational Systems Federal Credit Union. Ideal for members who have a minimum deposit of $100,000, our Jumbo Certificates offer competitive interest rates and secure, high-yield returns, making the perfect savings account for achieving your long-term financial goals.
Whether you're planning for retirement, a significant future purchase, or simply looking to maximize your total earnings, a Jumbo Certificate provides a higher return on your investment compared to standard savings account options, all while keeping your funds safely insured. Star Members can also enjoy a premium annual percentage yield (APY) on new Jumbo Certificates.
With a Jumbo Certificate from Educational Systems Federal Credit Union:
- Benefit from premium annual percentage yields
- Select an account term from three months to five years that fits your savings goals
- Enjoy consistent savings growth with dividends compounded and credited quarterly
- Jumbo Certificate savings are insured up to at least $250,000
Jumbo Certificates
Open a Jumbo Certificate account to leverage premium interest rates on larger deposits, offering a powerful way to grow your wealth securely and efficiently. $100,000 minimum deposit.
Jumbo Certificates
| Term | Minimum Balance | Dividend Rate | APY | Star Member Dividend Rate | Star Member APY |
|---|---|---|---|---|---|
| 60 months Open Now | $100,000 | 2.97% | 3.00% | 3.02% | 3.05% |
| 48 months Open Now | $100,000 | 2.92% | 2.95% | 2.97% | 3.00% |
| 36 months Open Now | $100,000 | 3.21% | 3.25% | 3.26% | 3.30% |
| 29 months* Open Now | $100,000 | 3.55% | 3.60% | 3.60% | 3.65% |
| 24 months Open Now | $100,000 | 3.21% | 3.25% | 3.26% | 3.30% |
| 12 months Open Now | $100,000 | 3.36% | 3.40% | 3.41% | 3.45% |
| 6 months Open Now | $100,000 | 3.06% | 3.10% | 3.11% | 3.15% |
| 3 months Open Now | $100,000 | 2.87% | 2.90% | 2.92% | 2.95% |
APY=Annual Percentage Yield. Dividends are compounded and credited quarterly. A penalty may be charged for Certificate early withdrawal.
Jumbo Certificate: A Jumbo Certificate can be opened with a minimum balance of $100,000. APYs, terms and disclosures also apply to IRA Certificates and individual retirement accounts.
Star Members: Star Members are eligible to receive a 0.05% APY higher than Regular and IRA Certificates of the same type and term. A Star Member is a member who has a total of $25,000 in combined deposits and/or loans. Business and Association accounts are not eligible for the Star Member Program.
