Credit union · NCUA insured
Education First Federal Credit Union CD Rates
Education First Federal Credit Union’s best CD rate is 3.56% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Education First Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Beaumont, TX, where Education First Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Education First Federal Credit Union
3.56%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $176
Share Certificate
Top rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
2nd-highest rate
Rave Financial
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
Education First Federal Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.56%
- QualifiedQualified3.56%
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 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.
Share Certificate
Up to 3.56%APY · 6 terms
Dividends are compounded monthly. A penalty may be assessed for early withdrawal before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.53% | $63 |
| 6 months | 3.56% | $176 |
| 12 months | 3.56% | $356 |
| 24 months | 3.56% | $725 |
| 36 months | 3.56% | $1,106 |
| 60 months | 3.56% | $1,911 |
Sources (2)
- educationfirstfcu.org/personal…sting/share-certificates
- educationfirstfcu.org/current-rates-fees/deposit-rates
All captured Sep 17, 2026
Who can join Education First Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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, work, worship, or attend school in Angelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Tyler, or Trinity County, Texas are eligible for membership.
Military, government and schools
- Current or retired employees of East Chambers or High Island Independent School District are eligible for membership.
Family and household
- Family members of an Education First member (including spouse, children, parents, sibling) are eligible for membership.
Membership information collected October 5, 2026.