Checking and Savings Rates
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 | 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.
*Promotional APYs apply to new 11-month Certificates opened September 1 - October 31, 2026. A minimum of $1,000 in new money is required to qualify for this promotion. New money is defined as funds not previously on deposit with Educational Systems Federal Credit Union that are transferred from another financial institution electronically or deposited by cash or check within the 30 days prior to opening the Certificate. The promotional APY is 4.50% for balances of $1,000 to $99,999.99 and 4.55% for balances of $100,000 or more. Existing Star Members (members with $25,000 in combined deposits and/or loans) are eligible for APYs of 4.55% and 4.60%, respectively. The 11-month promotional Certificate will be established after the new-money requirement is verified. If the $1,000 new-money requirement is not met, the promotional Certificate rate will not apply, and the funds will be transferred to a 12-month Certificate at the applicable standard rate. Applicants must meet membership eligibility requirements.
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 | 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.
*Promotional APYs apply to new 11-month Certificates opened September 1 - October 31, 2026. A minimum of $1,000 in new money is required to qualify for this promotion. New money is defined as funds not previously on deposit with Educational Systems Federal Credit Union that are transferred from another financial institution electronically or deposited by cash or check within the 30 days prior to opening the Certificate. The promotional APY is 4.50% for balances of $1,000 to $99,999.99 and 4.55% for balances of $100,000 or more. Existing Star Members (members with $25,000 in combined deposits and/or loans) are eligible for APYs of 4.55% and 4.60%, respectively. The 11-month promotional Certificate will be established after the new-money requirement is verified. If the $1,000 new-money requirement is not met, the promotional Certificate rate will not apply, and the funds will be transferred to a 12-month Certificate at the applicable standard rate. 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.
