Checking and Savings Rates
Certificates and IRAs
| Term | Minimum Balance | Dividend Rate | APY | Star Member Dividend Rate | Star Member APY |
|---|---|---|---|---|---|
| 12 months New Money* Open Now | $500 | 4.09% | 4.15% | 4.14% | 4.20% |
| 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 | 3.75% | 3.80% | 3.80% | 3.85% |
| 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.
*APY of 4.15% applies to the 12-month New Money Certificate funded with new money opened from July 1, 2026 and August 31, 2026 with a minimum balance of $500 up to $99,999.99 for a 12-month term. An APY of 4.20% applies to 12-month New Money Certificates opened with a minimum balance of $100,000 for a 12-month term. Existing Star Members (members who have $25,000 in combined deposits and/or loans) who open a new 12-month New Money Certificate with a minimum balance of $500 up to $99,999.99 are eligible for an APY of 4.20% and with a minimum balance of $100,000 are eligible for an APY of 4.25%. This is a limited time offer and may change without notice. The promotional rate is available only on 12-month New Money Certificates funded with new money. New money is defined as funds not currently on deposit with Educational Systems Federal Credit Union, including funds transferred from another financial institution or deposited by cash or check. Dividends for the 12-month New Money Certificate are compounded and credited quarterly. Once a Certificate is opened, money cannot be added and a penalty may be charged for Certificate early withdrawal. Fees could reduce earnings. 12-month New Money Certificates will automatically renew for a 12-month Certificate at the current rate available at the time of renewal unless instructed to do otherwise by the member on or before the maturity date. Applicants must meet membership eligibility requirements.
Jumbo Certificates
| Term | Minimum Balance | Dividend Rate | APY | Star Member Dividend Rate | Star Member APY |
|---|---|---|---|---|---|
| 12 months New Money* Open Now | $100,000 | 4.14% | 4.20% | 4.18% | 4.25% |
| 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 | 3.80% | 3.85% | 3.85% | 3.90% |
| 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.
*APY of 4.15% applies to the 12-month New Money Certificate funded with new money opened from July 1, 2026 and August 31, 2026 with a minimum balance of $500 up to $99,999.99 for a 12-month term. An APY of 4.20% applies to 12-month New Money Certificates opened with a minimum balance of $100,000 for a 12-month term. Existing Star Members (members who have $25,000 in combined deposits and/or loans) who open a new 12-month New Money Certificate with a minimum balance of $500 up to $99,999.99 are eligible for an APY of 4.20% and with a minimum balance of $100,000 are eligible for an APY of 4.25%. This is a limited time offer and may change without notice. The promotional rate is available only on 12-month New Money Certificates funded with new money. New money is defined as funds not currently on deposit with Educational Systems Federal Credit Union, including funds transferred from another financial institution or deposited by cash or check. Dividends for the 12-month New Money Certificate are compounded and credited quarterly. Once a Certificate is opened, money cannot be added and a penalty may be charged for Certificate early withdrawal. Fees could reduce earnings. 12-month New Money Certificates will automatically renew for a 12-month Certificate at the current rate available at the time of renewal unless instructed to do otherwise by the member on or before the maturity date. Applicants must meet membership eligibility requirements.
High Yield Savings
| Account Type | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| High Yield Savings Accounts Tier Five1, 2 Open Now | $250,000.01 | 3.45% | 3.50% |
| High Yield Savings Accounts Tier Four1, 2 Open Now | $100,000.01 | 3.20% | 3.25% |
| High Yield Savings Accounts Tier Three1, 2 Open Now | $50,000.01 | 2.96% | 3.00% |
| High Yield Savings Accounts Tier Two1, 2 Open Now | $1,000.01 | 2.72% | 2.75% |
| High Yield Savings Accounts Tier One1, 2 Open Now | $0.00 | 2.47% | 2.50% |
| High Yield Savings Accounts Tier Six1, 2 Open Now | $500,000.01 | .01% | .01% |
APY=Annual Percentage Yield.
1 Dividends are compounded and credited monthly.
2 High Yield Savings Accounts rates are tiered, variable and based on balance thresholds that may change at any time without notice. Dividends are compounded and credited monthly. Limit of one High Yield Savings Account per member. Minimum account opening balance requirement is $50. Average daily balance of $0.00 up to $1,000 earn the applicable Tier One rate. Average daily balance of $1,000.01 up to $50,000 earn the applicable Tier Two rate. Average daily balance of $50,000.01 up to $100,000 earn the applicable Tier Three rate. Average daily balance of $100,000.01 up to $250,000 earn the applicable Tier Four rate. Average daily balance of $250,000.01 up to $500,000 earn the applicable Tier Five rate. Balances of $500,000.01 and above will earn the prevailing Membership Savings rate.
Money Market and IRAs
| Account Type | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| Money Market - Tier Three Open Now | $100,000 | 1.54% | 1.55% |
| IRA Money Market - Tier Three Open Now | $100,000 | 1.54% | 1.55% |
| Money Market - Tier Two Open Now | $20,000 | 1.14% | 1.15% |
| IRA Money Market - Tier Two Open Now | $20,000 | 1.14% | 1.15% |
| Money Market - Tier One Open Now | $2,500 | 1.00% | 1.00% |
| IRA Money Market - Tier One Open Now | $2,500 | 1.00% | 1.00% |
| IRA Account Open Now | $5 | .01% | .01% |
Checking and Savings
| Account Type | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| Premium Summer Pay Tier One1, 3 Open Now | - | 3.93% | 4.00% |
| Premium Summer Pay Tier Two1, 3 Open Now | $20,000 | 0.01% | 0.01% |
| Dividend Checking1 Open Now | $500 | 0.05% | 0.05% |
| Membership Savings2 Open Now | $5 | 0.01% | 0.01% |
| Special Purpose Club2 Open Now | - | 0.01% | 0.01% |
APY=Annual Percentage Yield.
1 Dividends are compounded and credited monthly.
2 Dividends are compounded and credited quarterly.
3 The Premium Summer Pay account is only available for Direct Deposits received from qualifying school systems and community colleges. The Tier One Annual Percentage Yield (APY) applies to average daily balances up to $20,000. The Tier Two APY applies to average daily balances above $20,000. Rates are subject to change without notice. Fees could reduce earnings. Automatic distributions can be made to an Educational Systems FCU savings or checking account, or to another financial institution in four equal proportions on the first and third Friday of July and August. Withdrawals are restricted to summer disbursals in July and August. A $35 fee will be assessed for each early withdrawal made outside of this time period.
