Credit union · NCUA insured
Educational Federal Credit Union CD Rates
Educational Federal Credit Union’s best CD rate is 3.55% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Educational Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Educational Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Educational Federal Credit Union
3.55%APY
- Term
- 60 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,906
Jumbo Certificate
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Educational Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.55%
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 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.
Jumbo Certificate
Up to 3.55%APY · 9 terms
For members wishing to earn even higher dividends. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 0.80% | $20 |
| 6 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $164 |
| 9 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $246 |
| 12 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $330 |
| 18 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $499 |
| 24 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $671 |
| 36 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.35% | $1,039 |
| 48 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.45% | $1,453 |
| 60 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.55% | $1,906 |
Sources (2)
All captured Sep 18, 2026
Share Certificate
Up to 3.50%APY · 9 terms
Dividends compounded daily and credited monthly. Withdrawals from certificates may be subject to an early withdrawal penalty. Minimum deposit of $1,000 to open. No monthly or annual service fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 0.75% | $19 |
| 6 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $161 |
| 9 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $243 |
| 12 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $325 |
| 18 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $491 |
| 24 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $661 |
| 36 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $1,023 |
| 48 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.40% | $1,431 |
| 60 monthsDividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.50% | $1,877 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Jumbo IRA Certificate
Up to 3.55%APY · 9 terms
Traditional and Roth IRAs for higher dividend earnings. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 0.80% | $20 |
| 6 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $164 |
| 9 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $246 |
| 12 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $330 |
| 18 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $499 |
| 24 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $671 |
| 36 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.35% | $1,039 |
| 48 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.45% | $1,453 |
| 60 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.55% | $1,906 |
Sources (2)
All captured Sep 18, 2026
IRA Share Certificate
Up to 3.50%APY · 9 terms
Available as Traditional and Roth IRA certificates. Dividends compounded daily and credited monthly. Withdrawals may be subject to early withdrawal penalty. No monthly or annual service fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 0.75% | $19 |
| 6 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $161 |
| 9 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $243 |
| 12 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $325 |
| 18 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $491 |
| 24 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.25% | $661 |
| 36 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.30% | $1,023 |
| 48 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.40% | $1,431 |
| 60 monthsTraditional and Roth IRAs. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty | 3.50% | $1,877 |
Sources (2)
All captured Sep 18, 2026
Who can join Educational Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of designated affiliated associations and organizations.
Military, government and schools
- Employees or retirees (pensioners/annuitants) of designated educational institutions and organizations in Florida.
- Students of designated educational institutions in Florida.
Family and household
- Immediate family members of individuals within the credit union's field of membership.
- Household members living in the same residence and maintaining a single economic unit with an eligible individual.
Other ways
- Revocable and Irrevocable Trusts where all grantors or all beneficiaries qualify for membership.
Membership information collected October 5, 2026.