Credit union · NCUA insured
Eastman Credit Union CD Rates
Top CarrotEastman Credit Union’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 1 month to 6 years. Rates checked October 15, 2026.
How Eastman Credit Union’s CD rates compare
Compared with banks and credit unions near Kingsport, TN-VA, where Eastman Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Eastman Credit Union
4.20%APY
- Term
- 6–11 months
- Minimum
- $2,500
- Earns on $10,000
- —
Investment Certificates
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $500
2nd-highest rate
Citizens Bank
4.40%APY
- Term
- 39 months
- Minimum
- $2,500
- Earns on $10,000
- $1,502
Eastman Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.20%
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 Eastman 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.
Investment Certificates
Up to 4.20%APY · 9 terms
Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by NCUA. Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty. APY assumes dividends will remain on deposit until maturity.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1–2 months($100k Minimum). Term: 30 to 89 days. Early withdrawal penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn | — | — | 3.80% | —3.80% from $100k | — |
| 1–2 monthsTerm: 30 to 89 days. Early withdrawal penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn | — | 3.75% | — | 3.75% | $30 |
| 3–5 months($100k Minimum). Term: 90 to 179 days. Early withdrawal penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn | — | — | 3.80% | —3.80% from $100k | — |
| 3–5 monthsTerm: 90 to 179 days. Early withdrawal penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn | — | 3.75% | — | 3.75% | $91 |
| 6–11 months($100k Minimum). Term: 180 to 364 days. Early withdrawal penalty: 90 Days' Dividends | — | — | 4.25% | —4.25% from $100k | — |
| 6–11 monthsTerm: 180 to 364 days. Early withdrawal penalty: 90 Days' Dividends | — | 4.20% | — | 4.20% | $205 |
| 12–23 months($100k Minimum). Term: 1 to 2 Years (365 to 729 days). Early withdrawal penalty: 90 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 12–23 monthsTerm: 1 to 2 Years (365 to 729 days). Early withdrawal penalty: 90 Days' Dividends | 4.00% | — | — | 4.00% | $400 |
| 24–35 months($100k Minimum). Term: 2 to 3 Years (730 to 1,094 days). Early withdrawal penalty: 180 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 24–35 monthsTerm: 2 to 3 Years (730 to 1,094 days). Early withdrawal penalty: 180 Days' Dividends | 4.00% | — | — | 4.00% | $816 |
| 36–48 months($100k Minimum). Term: 3 to 4 Years (1,095 to 1,460 days). Early withdrawal penalty: 180 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 36–48 monthsTerm: 3 to 4 Years (1,095 to 1,460 days). Early withdrawal penalty: 180 Days' Dividends | 4.00% | — | — | 4.00% | $1,249 |
| 49–60 months($100k Minimum). Term: 4 to 5 Years (1,461 to 1,825 days). Early withdrawal penalty: 180 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 49–60 monthsTerm: 4 to 5 Years (1,461 to 1,825 days). Early withdrawal penalty: 180 Days' Dividends | 4.00% | — | — | 4.00% | $1,700 |
| 61–72 months($100k Minimum). Term: 5 Years (1,826 to 2,190 days). Early withdrawal penalty: 180 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 61–72 monthsTerm: 5 Years (1,826 to 2,190 days). Early withdrawal penalty: 180 Days' Dividends | 4.00% | — | — | 4.00% | $2,168 |
| 72 months($100k Minimum). Term: 6 Years (2,191 days). Early withdrawal penalty: 365 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 72 monthsTerm: 6 Years (2,191 days). Early withdrawal penalty: 365 Days' Dividends | 4.00% | — | — | 4.00% | $2,655 |
Sources (1)
- ecu.org/bank/investment-certificates · captured Oct 15, 2026
Lifeline Savers Certificate
3.75%APY · 1 term
Early withdrawal penalty: 90 Days' Dividends. APY assumes dividends remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 365 days. N/A | 3.75% | $375 |
Sources (1)
- ecu.org/bank/investment-certificates · captured Oct 15, 2026
Special-purpose accounts
IRA Investment Certificates
Up to 4.20%APY · 9 terms
Investment Certificates are available for IRAs (Traditional, Roth, Educational IRAs). Please refer to Investment Certificate Rates for current rates. Paid dividends can be withdrawn or transferred to another account at ECU. Checks are not issued for dividends earned on these account types.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1–2 months($100k Minimum). Term: 30 to 89 days. Early withdrawal penalty: greater of 7 days dividends on amount withdrawn or all dividends earned on amount withdrawn | — | — | 3.80% | —3.80% from $100k | — |
| 1–2 monthsTerm: 30 to 89 days. Early withdrawal penalty: greater of 7 days dividends on amount withdrawn or all dividends earned on amount withdrawn | — | 3.75% | — | 3.75% | $30 |
| 3–5 months($100k Minimum). Term: 90 to 179 days. Early withdrawal penalty: greater of 7 days dividends on amount withdrawn or all dividends earned on amount withdrawn | — | — | 3.80% | —3.80% from $100k | — |
| 3–5 monthsTerm: 90 to 179 days. Early withdrawal penalty: greater of 7 days dividends on amount withdrawn or all dividends earned on amount withdrawn | — | 3.75% | — | 3.75% | $91 |
| 6–11 months($100k Minimum). Term: 180 to 364 days. Early withdrawal penalty: 90 Days' Dividends | — | — | 4.25% | —4.25% from $100k | — |
| 6–11 monthsTerm: 180 to 364 days. Early withdrawal penalty: 90 Days' Dividends | — | 4.20% | — | 4.20% | $205 |
| 12–23 months($100k Minimum). Term: 1 to 2 Years (365 to 729 days). Early withdrawal penalty: 90 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 12–23 monthsTerm: 1 to 2 Years (365 to 729 days). Early withdrawal penalty: 90 Days' Dividends | 4.00% | — | — | 4.00% | $400 |
| 24–35 months($100k Minimum). Term: 2 to 3 Years (730 to 1,094 days). Early withdrawal penalty: 180 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 24–35 monthsTerm: 2 to 3 Years (730 to 1,094 days). Early withdrawal penalty: 180 Days' Dividends | 4.00% | — | — | 4.00% | $816 |
| 36–48 months($100k Minimum). Term: 3 to 4 Years (1,095 to 1,460 days). Early withdrawal penalty: 180 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 36–48 monthsTerm: 3 to 4 Years (1,095 to 1,460 days). Early withdrawal penalty: 180 Days' Dividends | 4.00% | — | — | 4.00% | $1,249 |
| 49–60 months($100k Minimum). Term: 4 to 5 Years (1,461 to 1,825 days). Early withdrawal penalty: 180 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 49–60 monthsTerm: 4 to 5 Years (1,461 to 1,825 days). Early withdrawal penalty: 180 Days' Dividends | 4.00% | — | — | 4.00% | $1,700 |
| 61–72 months($100k Minimum). Term: 5 Years (1,826 to 2,190 days). Early withdrawal penalty: 180 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 61–72 monthsTerm: 5 Years (1,826 to 2,190 days). Early withdrawal penalty: 180 Days' Dividends | 4.00% | — | — | 4.00% | $2,168 |
| 72 months($100k Minimum). Term: 6 Years (2,191 days). Early withdrawal penalty: 365 Days' Dividends | — | — | 4.05% | —4.05% from $100k | — |
| 72 monthsTerm: 6 Years (2,191 days). Early withdrawal penalty: 365 Days' Dividends | 4.00% | — | — | 4.00% | $2,655 |
Sources (2)
All captured Oct 15, 2026
HSA Certificate
3.75%APY · 1 term
Health Savings Account certificate. Early withdrawal penalty: 90 Days' Dividends. APY assumes dividends remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 365 days. N/A | 3.75% | $375 |
Sources (1)
- ecu.org/bank/investment-certificates · captured Oct 15, 2026
Who can join Eastman Credit Union
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