Certificates of Deposit

Reach your personal savings goals with the flexible terms and reliable returns of ECCU Certificate accounts.
Review the certificate details below and find the features that meet your specific savings needs.

High Yield Certificate

Right for you if you want a higher return than traditional savings accounts and earn a guaranteed return with your rate locked-in for the duration of the term.

Just $1000 to open.

Also available as Traditional and Roth IRAs

6 Month Certificate

Open Account
Opening Balance
Dividend
APY1
$0
0.90%
0.90%
$50,000
0.95%
0.95%
$100,000
1.00%
1.01%

1 Year Certificate

Open Account
Opening Balance
Dividend
APY1
$0
1.35%
1.36%
$50,000
1.40%
1.41%
$100,000
1.45%
1.46%

2 Year Certificate

Open Account
Opening Balance
Dividend
APY1
$0
1.60%
1.61%
$50,000
1.65%
1.66%
$100,000
1.70%
1.71%

5 Year Certificate

Open Account
Opening Balance
Dividend
APY1
$0
2.00%
2.02%
$50,000
2.05%
2.07%
$100,000
2.10%
2.12%

Rate Bump Certificates

Right for you if you want the security of a long term certificate while knowing that if rates rise, you can take advantage of the higher rate.

Just $1000 to open.


24 Month Rate Bump Certificate

Open Account

One optional rate bumps during term

Opening Balance
Dividend
APY1
$0
1.50%
1.51%
$50,000
1.55%
1.56%
$100,000
1.60%
1.61%

48 Month Rate Bump Certificate

Open Account

Two optional rate bumps during term

Opening Balance
Dividend
APY1
$0
1.85%
1.87%
$50,000
1.90%
1.92%
$100,000
1.95%
1.97%

Rates Effective: November 01, 2019

Can’t decide on a certificate account? Contact our ECCU Member Services and they’ll help you choose the account tailored to meet your specific needs. Just Ask!

1APY is Annual Percentage Yield. APY assumes that dividends remain on deposit for one year. Withdrawal of dividends and fees could reduce earnings.

Please refer to ECCU's Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice. For current dividend rates and annual percentage yields, call Member Services at 877.545.0755 or internationally at 714.671.5705.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration (NCUA) is a U.S. Government agency.