Lock in a competitive fixed rate to grow during fall
Grow your savings this fall with our limited-time 11-month Certificate. Lock in a competitive fixed rate of 4.50% APY for 11 months and enjoy steady, predictable earnings.* Open your Certificate with $1,000 or more, with at least $1,000 of the opening deposit coming from new money transferred from another financial institution to Educational Systems Federal Credit Union.
The promotional rate will be applied after verification that deposited funds meet the new money requirement.
Open a Certificate
We provide a variety of Certificate terms ranging from three to 60 months to suit your financial needs and help you build your total savings.
Certificate Accounts
Open a Certificate to secure higher earnings on your savings with flexible account terms and insured deposits. $500 minimum deposit.
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.
Star Members
Take advantage of interest rates by building a certificate ladder.
Certificate Calculator
Certificates and IRAs
| Term | Minimum Balance | Dividend Rate | APY | Star Member Dividend Rate | Star Member APY |
|---|---|---|---|---|---|
| 11 months* Open Now | $1,000 | 4.41% | 4.50% | 4.46% | 4.55% |
| 9 months Open Now | $500 | 3.94% | 4.00% | 3.99% | 4.05% |
| 12 months Open Now | $500 | 3.84% | 3.90% | 3.89% | 3.95% |
| 24 months Open Now | $500 | 3.80% | 3.85% | 3.84% | 3.90% |
| 18 months Open Now | $500 | 4.47% | 4.55% | 4.52% | 4.60% |
| 60 months Open Now | $500 | 3.65% | 3.70% | 3.70% | 3.75% |
| 6 months Open Now | $500 | 3.65% | 3.70% | 3.70% | 3.75% |
| 48 months Open Now | $500 | 3.60% | 3.65% | 3.65% | 3.70% |
| 36 months Open Now | $500 | 3.55% | 3.60% | 3.60% | 3.65% |
| 3 months Open Now | $500 | 2.97% | 3.00% | 3.02% | 3.05% |
APY=Annual Percentage Yield. Dividends are compounded and credited quarterly. A penalty may be charged for Certificate early withdrawal.
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.
Jumbo Certificates
| Term | Minimum Balance | Dividend Rate | APY | Star Member Dividend Rate | Star Member APY |
|---|---|---|---|---|---|
| 11 months* Open Now | $100,000 | 4.46% | 4.55% | 4.51% | 4.60% |
| 9 months Open Now | $100,000 | 3.99% | 4.05% | 4.04% | 4.10% |
| 12 months Open Now | $100,000 | 3.89% | 3.95% | 3.94% | 4.00% |
| 24 months Open Now | $100,000 | 3.84% | 3.90% | 3.89% | 3.95% |
| 18 months Open Now | $100,000 | 4.52% | 4.60% | 4.57% | 4.65% |
| 60 months Open Now | $100,000 | 3.70% | 3.75% | 3.75% | 3.80% |
| 6 months Open Now | $100,000 | 3.70% | 3.75% | 3.75% | 3.80% |
| 48 months Open Now | $100,000 | 3.65% | 3.70% | 3.70% | 3.75% |
| 36 months Open Now | $100,000 | 3.60% | 3.65% | 3.65% | 3.70% |
| 3 months Open Now | $100,000 | 3.02% | 3.05% | 3.06% | 3.10% |
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.