Educational & Governmental Employees Federal Credit Union CD Rates

How Educational & Governmental Employees Federal Credit Union’s CD rates compare

Compared with banks and credit unions near New York, NY-NJ, where Educational & Governmental Employees Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Educational & Governmental Employees Federal Credit Union
3.50%APY
Term
12 months
Minimum
$500
Earns on $10,000
$350
Share Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
Term
4 months
Minimum
$1,000
Earns on $10,000
$164
Liberty Bank of New Jersey rates
2nd-highest rate
Palisades Credit Union
5.00%APY
Term
11 months
Minimum
$500
Earns on $10,000
$457
Palisades Credit Union rates

Compare CD rates near you →

CD score

Higher than 28% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.00%
9–15 months9–15 mo3.50%
16–30 months16–30 mo3.50%
QualifiedQualified3.50%

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.

How the score works →

Where Educational & Governmental Employees 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 3.50%APY · 3 termsFrom $500 to open

Invest with a $500 minimum deposit. Early withdrawals are subject to penalties (10% penalty on early withdrawal). Dividends are quarterly, with earnings rolling into savings account.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsEarly withdrawals are subject to penalties. Fees may reduce earnings	3.00%	$149
12 monthsEarly withdrawals are subject to penalties. Fees may reduce earnings	3.50%	$350
24–36 monthsEarly withdrawals are subject to penalties. Fees may reduce earnings	3.50%	$712

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

IRA Certificate

3.50%APY · 2 termsIRA

Individual Retirement Account certificate. Traditional IRA owners may begin normal distributions starting at age 59 1/2; mandatory distributions starting at age 73. Early withdrawals are subject to penalties.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12–23 monthsEarly withdrawals are subject to penalties. Fees may reduce earnings	3.50%	$350
24–36 monthsEarly withdrawals are subject to penalties. Fees may reduce earnings	3.50%	$712

Sources (3)

All captured Oct 5, 2026

Who can join Educational & Governmental Employees Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

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