Credit union · NCUA insured
edU Federal Credit Union CD Rates
edU Federal Credit Union’s best CD rate is 4.08% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How edU Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where edU Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
edU Federal Credit Union
4.08%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $833
CD Special
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
edU Federal Credit Union CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo0.01%
- 9–15 months9–15 mo0.05%
- 16–30 months16–30 mo4.08%
- 31–60 months31–60 mo0.15%
- QualifiedQualified4.08%
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 edU 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.
CD Special
4.08%APY · 1 term
Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsLimited time offer | 4.08% | $833 |
Sources (1)
- edufcu.org · captured Oct 15, 2026
Share Certificates
Up to 0.15%APY · 6 terms
Early withdrawal penalty applies; for term share accounts, no dividend will be paid for early withdrawal. Available to employees and retirees of New Castle County schools and their immediate family members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFor term share accounts, no dividend will be paid for early withdrawal | 0.01% | $0 |
| 9 monthsFor term share accounts, no dividend will be paid for early withdrawal | 0.01% | $1 |
| 12 monthsFor term share accounts, no dividend will be paid for early withdrawal | 0.05% | $5 |
| 15 monthsFor term share accounts, no dividend will be paid for early withdrawal | 0.05% | $6 |
| 36 monthsFor term share accounts, no dividend will be paid for early withdrawal | 0.10% | $30 |
| 60 monthsFor term share accounts, no dividend will be paid for early withdrawal | 0.15% | $75 |
Sources (2)
All captured Oct 15, 2026
Who can join edU Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.