Credit union · NCUA insured
ECU Credit Union CD Rates
ECU Credit Union’s best CD rate is 3.20% APY on a 1-year share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How ECU Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where ECU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ECU Credit Union
3.20%APY
- Term
- 12 months
- Requires
- Conditions apply
- Minimum
- $5,000
- Earns on $10,000
- $320
Certificate of Deposit (CD)
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 3.20%APY · 6 terms
Rates valid 10/13/26 through 10/19/26. Dividends computed on average daily balance with quarterly posting and compounding. If closed prior to posting of accrued dividends, no dividends paid. CD minimum balance $5,000. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends computed on average daily balance with quarterly posting and compounding. If closed prior to posting of accrued dividends no dividends paid | 2.95% | $146 |
| 12 monthsDividends computed on average daily balance with quarterly posting and compounding. If closed prior to posting of accrued dividends no dividends paid | 3.20% | $320 |
| 24 monthsDividends computed on average daily balance with quarterly posting and compounding. If closed prior to posting of accrued dividends no dividends paid | 2.95% | $599 |
| 36 monthsDividends computed on average daily balance with quarterly posting and compounding. If closed prior to posting of accrued dividends no dividends paid | 3.00% | $927 |
| 48 monthsDividends computed on average daily balance with quarterly posting and compounding. If closed prior to posting of accrued dividends no dividends paid | 3.10% | $1,299 |
| 60 monthsDividends computed on average daily balance with quarterly posting and compounding. If closed prior to posting of accrued dividends no dividends paid | 3.15% | $1,677 |
Sources (2)
- ecucreditunion.com/index.php/a…rates-fees/deposit-rates
- ecucreditunion.com/index.php/a…s/certificate-of-deposit
All captured Oct 15, 2026
Who can join ECU 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 individuals who live or work in the Florida counties of Hillsborough, Orange, Osceola, Pasco, Pinellas, or Seminole.
Employers and groups
- Membership is open to employees located at the Bardmoor Palms Facility.
- Membership is open to employees of companies located in the same complex as an ECU Credit Union branch office.
- Membership is open to employees of CVS Health.
- Membership is open to employees of Eckerd Kids.
- Membership is open to employees of Rite Aid.
4 more ways to join
Employers and groups
- Membership is open to subcontractors working primarily in a facility of the sponsor.
- Membership is open to employees of Walgreens.
Family and household
- Membership is open to family members of an existing member.
Other ways
- Membership is open to former ECU Credit Union members.
Cost to join
- A savings (share) account with a minimum balance of $25.00 is required to establish and maintain membership.
Membership information collected October 5, 2026.