Credit union · NCUA insured
Eastern Indiana FCU CD Rates
Eastern Indiana FCU’s best CD rate is 3.68% APY on a 6-month share certificate (CD). Terms run from 6 months to 18 months. Rates checked October 15, 2026.
How Eastern Indiana FCU’s CD rates compare
Compared with banks and credit unions near New Castle, IN, where Eastern Indiana FCU has the most branches. $10,000, best rate first.
This credit union’s best
Eastern Indiana FCU
3.68%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $182
Share Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
STAR Financial Bank
3.75%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $471
Eastern Indiana FCU CD score
70
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.68%
- 9–15 months9–15 mo3.33%
- 16–30 months16–30 mo2.97%
- QualifiedQualified3.68%
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 Eastern Indiana FCU 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.
Share Certificates
Up to 3.68%APY · 3 terms
Open with as little as $500.00. Dividends can be compounded semi-annually or are available as a check monthly, quarterly, or at maturity. Automatically renews at maturity to same term (10-day grace period provided). Early withdrawal penalty applies (forfeit 90 days dividend). No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly Withdrawal Penalty: forfeit 90 days dividend | 3.68% | $182 |
| 12 monthsEarly Withdrawal Penalty: forfeit 90 days dividend | 3.33% | $333 |
| 18 monthsEarly Withdrawal Penalty: forfeit 90 days dividend | 2.97% | $449 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 3.89%APY · 2 terms
Available as Traditional IRA Certificate or Roth IRA Certificate. No setup fees, no monthly or annual maintenance fees. Early withdrawal penalty applies (forfeit 90 days dividend). Dividends paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsApplies to Traditional 12 Month IRA Certificate and Roth 12 Month IRA Certificate. Early Withdrawal Penalty: forfeit 90 days dividend | 3.53% | $353 |
| 18 monthsApplies to Traditional 18 Month IRA Certificate and Roth 18 Month IRA Certificate. Early Withdrawal Penalty: forfeit 90 days dividend | 3.89% | $589 |
Who can join Eastern Indiana FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or go to school in, or businesses and other legal entities in Henry, Hancock, Madison, or Delaware counties in Indiana are eligible for membership.
Employers and groups
- Employees of Eastern Indiana Federal Credit Union and organizations of such persons are eligible for membership.
Family and household
- Members of the immediate family or household are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- A deposit of one share ($5.00) into a savings account is required for membership.
Membership information collected October 5, 2026.