Credit union · NCUA insured
EdiFi Credit Union CD Rates
EdiFi Credit Union’s best CD rate is 3.92% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How EdiFi Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where EdiFi Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
EdiFi Credit Union
3.82%APY
- Term
- 18 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $578
Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
EdiFi Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.82%
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 EdiFi 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.
Jumbo Certificate
Up to 3.92%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.40% | — |
| 6 months | 3.40% | — |
| 12 months | 3.66% | — |
| 18 months | 3.92% | — |
| 24 months | 3.92% | — |
| 30 months | 3.14% | — |
| 36 months | 3.14% | — |
| 48 months | 3.14% | — |
| 60 months | 3.14% | — |
Sources (2)
All captured Oct 22, 2026
Certificate
Up to 3.82%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.30% | $81 |
| 6 months | 3.30% | $164 |
| 12 months | 3.56% | $356 |
| 18 months | 3.82% | $578 |
| 24 months | 3.82% | $779 |
| 30 months | 3.04% | $777 |
| 36 months | 3.04% | $940 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.04% | $1,615 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Jumbo Certificate
Up to 3.92%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.40% | — |
| 6 months | 3.40% | — |
| 12 months | 3.66% | — |
| 18 months | 3.92% | — |
| 24 months | 3.92% | — |
| 30 months | 3.14% | — |
| 36 months | 3.14% | — |
| 48 months | 3.14% | — |
| 60 months | 3.14% | — |
Sources (2)
All captured Oct 22, 2026
IRA Certificate
Up to 3.82%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.30% | $81 |
| 6 months | 3.30% | $164 |
| 12 months | 3.56% | $356 |
| 18 months | 3.82% | $578 |
| 24 months | 3.82% | $779 |
| 30 months | 3.04% | $777 |
| 36 months | 3.04% | $940 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.04% | $1,615 |
Sources (2)
All captured Oct 22, 2026
Who can join EdiFi Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Atlantic, Burlington, Ocean, or Mercer counties in New Jersey are eligible for membership.
Employers and groups
- Employees of approved companies are eligible for membership.
- Employees of select hospitals or health-related employers are eligible for membership.
Military, government and schools
- Public school employees in Atlantic, Burlington, Cape May, and Gloucester counties, or employees of select colleges and specialty schools, are eligible for membership.
- Members of the NJEA (New Jersey Educational Association) are eligible for membership.
- State employees or individuals working at a select county or municipality are eligible for membership.
1 more way to join
Family and household
- Immediate family members (including spouse, domestic partner, children, siblings, parents, grandparents, and grandchildren) of a current EdiFi member or employee are eligible for membership.
Cost to join
- An initial deposit of $5.00 is required.
Membership information collected October 5, 2026.