Credit union · NCUA insured
Eagle Community Credit Union CD Rates
Eagle Community Credit Union’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Eagle Community Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Eagle Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Eagle Community Credit Union
4.25%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $644
18-Month Promo Certificate
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Eagle Community Credit Union CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.10%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.25%
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 Eagle Community 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.
18-Month Promo Certificate
4.25%APY · 1 term
Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsPromotional 18-month Certificate. Upon maturity, automatically renews into a standard non-promotional 24-month Certificate | 4.25% | $644 |
Sources (1)
- eaglecu.org/certificates · captured Sep 25, 2026
10-Month Stretch Certificate
3.65%APY · 1 term
During the fifth month of the 10-month term, the member may elect one time to adjust the dividend rate to the then-current published 10-Month Stretch Certificate rate, provided the rate is higher than the original rate. If adjusted, the certificate term will automatically extend an additional five months, resulting in a 15-month certificate. At maturity it will automatically renew into another 10-month certificate. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsPromotional 10-Month Stretch Share Certificate. During month 5, member may elect one time to adjust the rate if higher, extending term by 5 months to 15 months | 3.65% | $303 |
$1,000 Term Share Certificate
Up to 3.30%APY · 7 terms
Early withdrawal penalties apply (up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 6 months | 3.10% | $154 |
| 12 months | 3.25% | $325 |
| 24 months | 3.25% | $661 |
| 36 months | 3.15% | $975 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.30% | $1,763 |
$100,000 Term Share Certificate
Up to 3.30%APY · 7 terms
Jumbo share certificate. Early withdrawal penalties apply (up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | — |
| 6 months | 3.10% | — |
| 12 months | 3.25% | — |
| 24 months | 3.25% | — |
| 36 months | 3.15% | — |
| 48 months | 3.20% | — |
| 60 months | 3.30% | — |
$50,000 Term Share Certificate
Up to 3.30%APY · 7 terms
Jumbo share certificate. Early withdrawal penalties apply (up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | — |
| 6 months | 3.10% | — |
| 12 months | 3.25% | — |
| 24 months | 3.25% | — |
| 36 months | 3.15% | — |
| 48 months | 3.20% | — |
| 60 months | 3.30% | — |
Special-purpose accounts
18-Month Promotional IRA Certificate
4.25%APY · 1 term
Promotional IRA Certificate. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Months - IRA promotional certificate | 4.25% | $644 |
Sources (1)
- eaglecu.org/certificates · captured Sep 25, 2026
Early Saver Certificate
Up to 3.30%APY · 7 terms
Applies to Treasure Chest Savings (ages 0-12), Power Up Fund (ages 13-17), and Next Gen Accounts only. At maturity, funds in an Early Saver Certificate automatically transfer to the member's savings account, if a member is 18 or older. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 6 months | 3.10% | $154 |
| 12 months | 3.25% | $325 |
| 24 months | 3.25% | $661 |
| 36 months | 3.15% | $975 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.30% | $1,763 |
Sources (3)
All captured Oct 6, 2026
IRA Certificate
Up to 3.30%APY · 5 terms
Traditional, Roth, SEP, or Coverdell Education IRA Certificates. SEP certificates restricted to 48-month, 60-month, or variable terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional, Roth, or Coverdell Education IRA Certificate | 3.25% | $325 |
| 24 monthsTraditional, Roth, or Coverdell Education IRA Certificate | 3.25% | $661 |
| 36 monthsTraditional, Roth, or Coverdell Education IRA Certificate | 3.15% | $975 |
| 48 monthsTraditional, Roth, SEP, or Coverdell Education IRA Certificate | 3.20% | $1,343 |
| 60 monthsTraditional, Roth, SEP, or Coverdell Education IRA Certificate | 3.30% | $1,763 |
Sources (1)
- eaglecu.org/iras · captured Oct 6, 2026
Who can join Eagle Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or studies in Orange County, California.
- Membership is open to individuals who live or work in Orange County or Riverside County.
Family and household
- Membership is open to family members (parents, grandparents, in-laws, siblings, aunts, uncles, nieces, nephews, cousins, children, grandchildren by blood, marriage, or adoption) and couples (including unmarried couples living together) of existing members.
Other ways
- Friends referred by existing members are eligible to join.
Cost to join
- Establishing and maintaining membership requires a share deposit of $5 into an Access Savings account.
Membership information collected October 5, 2026.