Credit union · NCUA insured
East County Schools Federal Credit Union CD Rates
East County Schools Federal Credit Union’s best CD rate is 3.30% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How East County Schools Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Diego, CA, where East County Schools Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
East County Schools Federal Credit Union
3.25%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,734
Certificate (CD) Shares
Top rate
California Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $488
2nd-highest rate
San Diego Firefighters Federal Credit Union
4.45%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $445
East County Schools Federal Credit Union CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo1.76%
- 9–15 months9–15 mo2.48%
- 16–30 months16–30 mo2.99%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.25%
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 East County Schools Federal 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.
Certificate (CD) Shares
Up to 3.25%APY · 9 terms
Minimum investment is $1,000. Certificates automatically renew at maturity at a like term at the current rate. Early withdrawal penalty applies: up to 12 months is 90 days of dividends earned; over 12 months is 180 days of dividends earned.
| Term | APY · $1,000 – $9,999 | APY · $1,000 and up | APY · $10,000 – $49,999 | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty: all dividends earned up to 90 days | 0.95% | — | 1.00% | — | 1.00% | 1.00%0.95% $1k–$10k1.00% from $50k | $25 |
| 6 monthsEarly withdrawal penalty: all dividends earned up to 90 days | — | 1.66% | — | 1.76% | 1.81% | 1.66%1.76% from $10k1.81% from $50k | $83 |
| 12 monthsEarly withdrawal penalty: all dividends earned up to 90 days | — | 2.17% | — | 2.29% | 2.32% | 2.17%2.29% from $10k2.32% from $50k | $217 |
| 18 monthsEarly withdrawal penalty: all dividends earned up to 180 days | — | 2.48% | — | 2.58% | 2.63% | 2.48%2.58% from $10k2.63% from $50k | $374 |
| 24 monthsEarly withdrawal penalty: all dividends earned up to 180 days | — | 2.89% | — | 2.99% | 3.04% | 2.89%2.99% from $10k3.04% from $50k | $586 |
| 30 monthsEarly withdrawal penalty: all dividends earned up to 180 days | — | 2.89% | — | 2.99% | 3.04% | 2.89%2.99% from $10k3.04% from $50k | $738 |
| 36 monthsEarly withdrawal penalty: all dividends earned up to 180 days | — | 2.89% | — | 2.99% | 3.04% | 2.89%2.99% from $10k3.04% from $50k | $892 |
| 48 monthsEarly withdrawal penalty: all dividends earned up to 180 days | — | 2.89% | — | 2.99% | 3.04% | 2.89%2.99% from $10k3.04% from $50k | $1,207 |
| 60 monthsEarly withdrawal penalty: all dividends earned up to 180 days | — | 3.14% | — | 3.25% | 3.30% | 3.14%3.25% from $10k3.30% from $50k | $1,672 |
Sources (7)
- eastcountyschools.org/accounts/savings/savings-rates
- eastcountyschools.org/accounts…vings/share-certificates
- eastcountyschools.org
- eastcountyschools.org/accounts…gs/primary-share-savings
- eastcountyschools.org/accounts/savings/summer-savings
- eastcountyschools.org/accounts/savings
- eastcountyschools.org/accounts…idual-retirement-account
All captured Sep 16, 2026
Bump Rate Certificates
Up to 2.48%APY · 2 terms
Allows for a one-time option during the original term to: bump the rate to the current rate being offered for this product; and/or bump the term for up to three (3) additional months; and/or bump the principal deposit balance by making an additional deposit (minimum of $1,000 with a maximum total principal deposit of $100,000, inclusive of the original opening deposit). Early withdrawal penalty applies: terms up to 12 months lose all dividends earned up to 90 days; terms over 12 months lose all dividends earned up to 180 days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsOne-time option during original term to bump rate, bump term up to 3 additional months, and/or bump principal deposit (min $1,000, max total $100,000). Early withdrawal penalty: all dividends earned up to 90 days | 2.17% | $162 |
| 15 monthsOne-time option during original term to bump rate, bump term up to 3 additional months, and/or bump principal deposit (min $1,000, max total $100,000). Early withdrawal penalty: all dividends earned up to 180 days | 2.48% | $311 |
Sources (2)
- eastcountyschools.org/accounts/savings/savings-rates
- eastcountyschools.org/accounts…vings/share-certificates
All captured Sep 16, 2026
Special-purpose accounts
IRA/ESA Share Certificates
Up to 3.25%APY · 9 terms
Available in Traditional and Roth IRA / ESA certificates. Minimum purchase amount is $1,000. Maturity sensitive, generally paying higher dividend rates for longer maturities. Automatically renews at maturity unless indicated otherwise. Early withdrawal penalty: terms up to 12 months lose all dividends earned up to 90 days; terms over 12 months lose all dividends earned up to 180 days. IRS penalties may also apply for early distributions prior to age 59½.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty: all dividends earned up to 90 days | 0.95% | 1.00% | 1.00% | 0.95%1.00% from $10k1.00% from $50k | $24 |
| 6 monthsEarly withdrawal penalty: all dividends earned up to 90 days | 1.66% | 1.76% | 1.81% | 1.66%1.76% from $10k1.81% from $50k | $83 |
| 12 monthsEarly withdrawal penalty: all dividends earned up to 90 days | 2.17% | 2.27% | 2.32% | 2.17%2.27% from $10k2.32% from $50k | $217 |
| 18 monthsEarly withdrawal penalty: all dividends earned up to 180 days | 2.48% | 2.58% | 2.63% | 2.48%2.58% from $10k2.63% from $50k | $374 |
| 24 monthsEarly withdrawal penalty: all dividends earned up to 180 days | 2.89% | 2.99% | 3.04% | 2.89%2.99% from $10k3.04% from $50k | $586 |
| 30 monthsEarly withdrawal penalty: all dividends earned up to 180 days | 2.89% | 2.99% | 3.04% | 2.89%2.99% from $10k3.04% from $50k | $738 |
| 36 monthsEarly withdrawal penalty: all dividends earned up to 180 days | 2.89% | 2.99% | 3.04% | 2.89%2.99% from $10k3.04% from $50k | $892 |
| 48 monthsEarly withdrawal penalty: all dividends earned up to 180 days | 2.89% | 2.99% | 3.04% | 2.89%2.99% from $10k3.04% from $50k | $1,207 |
| 60 monthsEarly withdrawal penalty: all dividends earned up to 180 days | 3.14% | 3.25% | 3.30% | 3.14%3.25% from $10k3.30% from $50k | $1,672 |
Sources (2)
- eastcountyschools.org/accounts/savings/savings-rates
- eastcountyschools.org/accounts…dual-retirement-accounts
All captured Sep 16, 2026
Who can join East County Schools Federal Credit Union
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