Credit union · NCUA insured
Education First Credit Union CD Rates
Top CarrotEducation First Credit Union’s best CD rate is 4.35% APY on a 30-month share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 16, 2026.
How Education First Credit Union’s CD rates compare
Compared with banks and credit unions near Columbus, OH, where Education First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Education First Credit Union
4.35%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,123
Certificate Specials
Top rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,802
Education First Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo4.15%
- QualifiedQualified4.35%
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 First 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.
Certificate Specials
Up to 4.35%APY · 2 terms
Limited-time certificate specials. Available for new and existing money. Membership eligibility required. Early withdrawal penalty may apply and may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 monthsFixed rate for the full term. Available for new and existing money | 4.00% | $571 |
| 30 monthsFixed rate for the full term. Available for new and existing money | 4.35% | $1,123 |
Sources (1)
- educu.org/news-updates/earn-mo…onth-certificate-special · captured Oct 6, 2026
Certificate
Up to 4.25%APY · 7 terms
Minimum Deposit: $500.00 Dividend Period: Calendar Month Dividends Compounded and Credited: Monthly
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend Rate: 3.590%. Dividends Compounded and Credited: Monthly | 3.65% | $181 |
| 12 monthsDividend Rate: 3.687%. Dividends Compounded and Credited: Monthly | 3.75% | $375 |
| 24 monthsDividend Rate: 3.784%. Dividends Compounded and Credited: Monthly | 3.85% | $785 |
| 36 monthsDividend Rate: 3.832%. Dividends Compounded and Credited: Monthly | 3.90% | $1,216 |
| 48 monthsDividend Rate: 3.928%. Dividends Compounded and Credited: Monthly | 4.00% | $1,699 |
| 60 monthsDividend Rate: 4.073%. Dividends Compounded and Credited: Monthly | 4.15% | $2,255 |
| 84 monthsDividend Rate: 4.169%. Dividends Compounded and Credited: Monthly | 4.25% | $3,382 |
Sources (1)
- educu.org/rates · captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 7 terms
Minimum Deposit: $500.00 Dividend Period: Calendar Month Dividends Compounded and Credited: Monthly
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend Rate: 3.590%. Dividends Compounded and Credited: Monthly | 3.65% | $181 |
| 12 monthsDividend Rate: 3.687%. Dividends Compounded and Credited: Monthly | 3.75% | $375 |
| 24 monthsDividend Rate: 3.784%. Dividends Compounded and Credited: Monthly | 3.85% | $785 |
| 36 monthsDividend Rate: 3.832%. Dividends Compounded and Credited: Monthly | 3.90% | $1,216 |
| 48 monthsDividend Rate: 3.928%. Dividends Compounded and Credited: Monthly | 4.00% | $1,699 |
| 60 monthsDividend Rate: 4.073%. Dividends Compounded and Credited: Monthly | 4.15% | $2,255 |
| 84 monthsDividend Rate: 4.169%. Dividends Compounded and Credited: Monthly | 4.25% | $3,382 |
Sources (1)
- educu.org/rates · captured Oct 6, 2026
Who can join Education First Credit Union
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