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Rate Bump Certificates

The flexible terms and reliable returns of ECCU Rate Bump Certificates help your money grow even faster. Enjoy the security of a long-term certificate while knowing that if rates rise, you can take advantage of the higher rate. ECCU offers two account options:

  • 24 Month Certificate allows one Rate Bump
  • 48 Month Certificate allows two Rate Bumps

Certificate Rates

24 Month Rate Bump Certificate

Allows one rate bump during term

Opening Balance
Opening Dividend
Opening APY1

48 Month Rate Bump Certificate

Allows two rate bumps during term

Opening Balance
Opening Dividend
Opening APY1

Rates Effective: October 01, 2019

1APY is Annual Percentage Yield. APY assumes that dividends remain on deposit for one year. Withdrawal of dividends and fees could reduce earnings. Dividends are accrued daily and paid quarterly.

Additional deposits are not allowed (except during the grace period). Certificates will automatically renew at maturity (may not renew at the same rate or term).

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.