Credit union · NCUA insured
Educational Community Alliance CU CD Rates
Educational Community Alliance CU’s best CD rate is 4.58% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Educational Community Alliance CU’s CD rates compare
Compared with banks and credit unions near Toledo, OH, where Educational Community Alliance CU has the most branches. $10,000, best rate first.
This credit union’s best
Educational Community Alliance CU
4.58%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,962
Share Certificate
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
3rd-highest rate
Cornerstone Community Financial Credit Union
4.40%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $254
Educational Community Alliance CU CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.19%
- 31–60 months31–60 mo4.45%
- QualifiedQualified4.45%
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 Educational Community Alliance CU 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 4.58%APY · 7 terms
Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 9 months | 3.80% | $284 |
| 12 months | 4.05% | $405 |
| 18 months | 4.19% | $635 |
| 24 months | 4.32% | $883 |
| 36 months | 4.45% | $1,395 |
| 48 months | 4.58% | $1,962 |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.58%APY · 6 terms
Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 9 months | 3.80% | $284 |
| 12 months | 4.05% | $405 |
| 24 months | 4.32% | $883 |
| 36 months | 4.45% | $1,395 |
| 48 months | 4.58% | $1,962 |
Sources (3)
All captured Oct 16, 2026
Who can join Educational Community Alliance CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Anyone employed in or retired from any position within the education industry in the Toledo and surrounding area is eligible for membership.
Family and household
- Immediate family members of an Educational Community Alliance Credit Union member are eligible for membership.
Cost to join
- A minimum opening deposit of $5.00 into a new share savings account is required upon joining.
Membership information collected October 5, 2026.