Credit union · NCUA insured
Educational Employees Credit Union CD Rates
Educational Employees Credit Union’s best CD rate is 4.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Educational Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Fresno, CA, where Educational Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Educational Employees Credit Union
3.66%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,139
Share Certificates
Top rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $321
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Educational Employees Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.61%
- 31–60 months31–60 mo3.66%
- QualifiedQualified4.00%
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 Employees 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 Saver Certificate – 12-Month Term
Up to 4.25%APY · 1 term
Tiered rate term account. Additional deposits allowed during term up to maximum principal balance of $500. Dividend rate and APY apply to entire principal balance and change automatically when deposit balance meets the next threshold. Limit one Share Saver Certificate per account. Early withdrawal penalties may apply.
| Term | APY · $50 and up | APY · $200 and up | APY · $300 and up | APY · $400 and up | APY · $500 – $500 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 12 monthsTier 1 | 3.50% | — | — | — | — | 3.50% | $350 |
| 12 monthsTier 2 | — | 3.75% | — | — | — | 3.75% | $375 |
| 12 monthsTier 3 | — | — | 4.00% | — | — | 4.00% | $400 |
| 12 monthsTier 4 | — | — | — | 4.25% | — | 4.25% | $425 |
| 12 monthsTier 5 (maximum principal balance $500) | — | — | — | — | 4.50% | —4.50% $500–$500 | — |
Sources (1)
- myeecu.org/accounts/savings/ce…s/share-ira-certificates · captured Oct 6, 2026
Share Certificates
Up to 3.66%APY · 6 terms
Fixed dividend rate for the entire term; early withdrawal penalties may apply. Funds insured by NCUA. Share certificates can be opened online/mobile. Additional deposits after opening are not permitted.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| Unknown | 2.80% | 2.85% | 2.90% | 2.95% | 2.80%2.85% from $10k2.90% from $50k2.95% from $100k | $0 |
| 6 months | 3.10% | 3.15% | 3.20% | 3.25% | 3.10%3.15% from $10k3.20% from $50k3.25% from $100k | $154 |
| 12 months | 3.40% | 3.45% | 3.51% | 3.56% | 3.40%3.45% from $10k3.51% from $50k3.56% from $100k | $340 |
| 18 months | 3.51% | 3.56% | 3.61% | 3.66% | 3.51%3.56% from $10k3.61% from $50k3.66% from $100k | $531 |
| 24 months | 3.56% | 3.61% | 3.66% | 3.71% | 3.56%3.61% from $10k3.66% from $50k3.71% from $100k | $725 |
| 36 months | 3.61% | 3.66% | 3.71% | 3.76% | 3.61%3.66% from $10k3.71% from $50k3.76% from $100k | $1,123 |
Sources (2)
- myeecu.org/accounts/savings/certificates-iras
- myeecu.org/accounts/savings/ce…s/share-ira-certificates
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.71%APY · 6 terms
Available for Traditional, Roth, and Coverdell Education IRAs. EECU membership and standard deposit account required. No annual service fees. Must visit branch or call to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.40% | $340 |
| 18 months | 3.51% | $531 |
| 24 months | 3.56% | $725 |
| 36 months | 3.61% | $1,123 |
| 48 months | 3.66% | $1,546 |
| 60 months | 3.71% | $1,998 |
Who can join Educational Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employee of Camarena Health.
- Employee of The Fresno Center.
- Member of the former So-Val Tel Federal Credit Union membership base.
- Employee of St. Agnes Medical Center who works in Fresno, CA, including those paid by Trinity Health.
- Employee of the California Teaching Fellows Foundation.
- Employee of United Health Centers of the San Joaquin Valley.
7 more ways to join
Employers and groups
- Employee, contract physician or other medical professional service provider of Valley Children\u2019s Healthcare.
Military, government and schools
- Employee of the City of Fresno.
- Employee of Orcutt Union School District in Santa Barbara.
- Member of a Board of Education or Board of Trustees of a licensed/accredited school system in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Certificated or Classified employee, or student, of a school/school district in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Retiree of a school/school district who now lives in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
Family and household
- Relative (parents, spouses, children, grandchildren, great grandchildren, grandparents, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household member (living in the same residence and maintaining a single economic unit) of an existing EECU member or a person eligible for EECU membership.
Cost to join
- An additional $5 opening deposit is required for Checking.
- An opening deposit of $5 is required for Savings ($10 for joint account).
Membership information collected October 5, 2026.