Credit union · NCUA insured
Educational Community Credit Union CD Rates
Educational Community Credit Union’s best CD rate is 3.45% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Educational Community Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, MO, where Educational Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Educational Community Credit Union
3.45%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $171
6-Month CD
Top rate
OMB Bank
4.65%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $828
2nd-highest rate
Guaranty Bank
4.49%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $373
Educational Community Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.45%
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 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.
6-Month CD
3.45%APY · 1 term
Compounds Six Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounds Six Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply | 3.45% | $171 |
Sources (1)
- educationalccu.org/rates · captured Sep 17, 2026
36-Month CD
3.30%APY · 1 term
Compounds 36 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsCompounds 36 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply | 3.30% | $1,023 |
Sources (1)
- educationalccu.org/rates · captured Sep 17, 2026
24-Month CD
3.15%APY · 1 term
Compounds 24 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsCompounds 24 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply | 3.15% | $640 |
Sources (1)
- educationalccu.org/rates · captured Sep 17, 2026
12-Month CD
3.00%APY · 1 term
Compounds 12 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounds 12 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply | 3.00% | $300 |
Sources (1)
- educationalccu.org/rates · captured Sep 17, 2026
Who can join Educational Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Educational alumni residing within the specified 23 Missouri counties are eligible for membership.
- Employees of any educational institution or public library located within Barry, Barton, Cedar, Christian, Dade, Dallas, Douglas, Greene, Howell, Jasper, Laclede, Lawrence, McDonald, Newton, Oregon, Ozark, Polk, Shannon, Stone, Taney, Texas, Vernon, Webster, or Wright County are eligible for membership.
- Educationally-sponsored or affiliated organizations of public or private schools (elementary, secondary, or higher education) located within the specified 23 Missouri counties are eligible for membership.
- Retired faculty members of public or private schools (elementary, secondary, or higher education) residing within the specified 23 Missouri counties are eligible for membership.
- Students or alumni of any educational institution located within the specified 23 Missouri counties are eligible for membership.
Family and household
- Family members of anyone eligible to join ECCU are eligible for membership, regardless of whether the eligible person is an existing member.
Cost to join
- Membership requires establishing and maintaining a minimum $25 deposit/balance in a share (savings) account.
Membership information collected October 4, 2026.