Credit union · NCUA insured
Decatur Earthmover Credit Union CD Rates
Top CarrotDecatur Earthmover Credit Union’s best CD rate is 3.98% APY on a 7-month share certificate (CD). Terms run from 7 months to 5 years. Rates checked October 16, 2026.
How Decatur Earthmover Credit Union’s CD rates compare
Compared with banks and credit unions near Decatur, IL, where Decatur Earthmover Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Decatur Earthmover Credit Union
3.98%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $230
CD Rate Special
Top rate
United Equity Credit Union
4.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,612
2nd-highest rate
1st MidAmerica Credit Union
4.58%APY
- Term
- 35 months
- Minimum
- —
- Earns on $10,000
- $1,395
Decatur Earthmover Credit Union CD score
70
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.98%
- 9–15 months9–15 mo1.21%
- 16–30 months16–30 mo1.21%
- 31–60 months31–60 mo1.16%
- QualifiedQualified3.98%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Decatur Earthmover Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
CD Rate Special
3.98%APY · 1 term
Dividends will be credited at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsDividends will be credited at maturity | 3.98% | $230 |
Certificates of Deposit (CDs)
Up to 1.21%APY · 5 terms
Dividends can be paid monthly and reinvested, mailed monthly, paid at maturity, or other combinations. No deposits or withdrawals allowed. Early withdrawal penalty is twelve months of dividends (or accounts closed prior to payment results in loss of accrued dividends) but will not cause loss of initial deposit. Interest is compounded monthly.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 1.21% | 1.21% | 1.21% | 1.21%1.21% from $10k1.21% from $25k | $121 |
| 18 months | 1.21% | 1.21% | 1.21% | 1.21%1.21% from $10k1.21% from $25k | $182 |
| 24 months | 1.16% | 1.16% | 1.16% | 1.16%1.16% from $10k1.16% from $25k | $233 |
| 36 months | 1.06% | 1.06% | 1.06% | 1.06%1.06% from $10k1.06% from $25k | $321 |
| 60 months | 1.00% | 1.16% | 1.21% | 1.00%1.16% from $10k1.21% from $25k | $510 |
Special-purpose accounts
IRA Certificates
Up to 1.21%APY · 5 terms
Available at current certificate rates. Choose from Traditional, Roth, and Coverdell Education IRAs.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 1.21% | 1.21% | 1.21% | 1.21%1.21% from $10k1.21% from $25k | $121 |
| 18 months | 1.21% | 1.21% | 1.21% | 1.21%1.21% from $10k1.21% from $25k | $182 |
| 24 months | 1.16% | 1.16% | 1.16% | 1.16%1.16% from $10k1.16% from $25k | $233 |
| 36 months | 1.06% | 1.06% | 1.06% | 1.06%1.06% from $10k1.06% from $25k | $321 |
| 60 months | 1.00% | 1.16% | 1.21% | 1.00%1.16% from $10k1.21% from $25k | $510 |
Who can join Decatur Earthmover Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.