Credit union · NCUA insured
Education Credit Union CD Rates
Education Credit Union’s best CD rate is 4.15% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 17, 2026.
How Education Credit Union’s CD rates compare
Compared with banks and credit unions near Amarillo, TX, where Education Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Education Credit Union
4.15%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,297
Certificates of Deposit
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Education Credit Union CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.15%
- QualifiedQualified4.15%
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 Education 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.
Certificates of Deposit
Up to 4.15%APY · 5 terms
Penalty for early withdrawal. Rates are paid at maturity. Higher dividend rates than standard savings when funds stay on deposit for a fixed term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPaid at maturity. Penalty for early withdrawal | 3.50% | $173 |
| 12 monthsPaid at maturity. Penalty for early withdrawal | 3.75% | $375 |
| 24 monthsPaid at maturity. Penalty for early withdrawal | 4.00% | $816 |
| 36 monthsPaid at maturity. Penalty for early withdrawal | 4.15% | $1,297 |
| 60 monthsPaid at maturity. Penalty for early withdrawal | 2.50% | $1,314 |
Who can join Education Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living, working, attending church, or attending school within 10 miles of any ECU location is eligible for membership.
Employers and groups
- Certified daycare workers in Potter and Randall counties are eligible for membership.
- Members of Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, or Bushland ISD Council PTA are eligible for membership.
Military, government and schools
- Homeschoolers in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
- Employees of any public, private, or parochial school, college, or university in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
- Students of any public, private, or parochial school, college, or university in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
5 more ways to join
Military, government and schools
- Individuals holding a valid Texas teaching certificate are eligible for membership.
- Employees of District 4 of the Texas Department of Transportation across 18 Texas Panhandle counties are eligible for membership.
Family and household
- Spouses of eligible persons who died while in the field of membership are eligible for membership.
- Blood or legal relatives of anyone eligible for membership are eligible to join.
Other ways
- Retirees receiving retirement or pension due to employment by an organization in the field of membership are eligible for membership.
Cost to join
- A one-time membership fee of $1 is required.
- A savings account opening deposit of $5 is required.
Membership information collected October 5, 2026.