Credit union · NCUA insured
Educational Systems Federal Credit Union CD Rates
Top CarrotEducational Systems Federal Credit Union’s best CD rate is 4.65% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Educational Systems Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Educational Systems Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Educational Systems Federal Credit Union
4.60%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $698
Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Educational Systems Federal Credit Union CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.55%
- 16–30 months16–30 mo4.60%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.60%
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 Systems 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 4.65%APY · 10 terms
Jumbo Certificate with $100,000 minimum deposit. Membership required. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsStandard (non-Star) Jumbo rate. Membership required. Dividends compounded and credited quarterly | 3.05% | — |
| 3 monthsStar Member Jumbo rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 3.10% | — |
| 6 monthsStandard (non-Star) Jumbo rate. Membership required. Dividends compounded and credited quarterly | 3.75% | — |
| 6 monthsStar Member Jumbo rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 3.80% | — |
| 9 monthsStandard (non-Star) Jumbo rate. Membership required. Dividends compounded and credited quarterly | 4.25% | — |
| 11 monthsLimited-time promotional 11-month Jumbo Certificate for new Certificates opened September 1 through October 31, 2026. Standard promotional APY 4.55% for balances of $100,000 or more. Requires at least $1,000 in new money (funds not previously on deposit, transferred electronically or deposited by cash or check within 30 days prior to opening) in addition to the $100,000 Jumbo minimum. Rate applied after new-money verification; if not met, funds transfer to a 12-month Certificate at the applicable standard rate. Dividends compounded and credited monthly. Additional deposits not permitted after opening. At maturity, automatically renews as a 12-month Certificate at the then-current rate unless other instructions are given on or before maturity | 4.55% | — |
| 11 monthsStar Member promotional 11-month Jumbo Certificate, new Certificates opened September 1 through October 31, 2026. Existing Star Members APY 4.60% for balances of $100,000 or more. Requires $1,000 new money as defined for the promotion plus $100,000 Jumbo minimum. If new-money requirement is not met, funds transfer to a 12-month Certificate at the applicable standard rate. Dividends compounded and credited monthly. Automatically renews as a 12-month Certificate at maturity. Star Member: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.60% | — |
| 12 monthsStandard (non-Star) Jumbo rate. Membership required. Dividends compounded and credited quarterly | 4.30% | — |
| 12 monthsStar Member Jumbo rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.35% | — |
| 18 monthsStandard (non-Star) Jumbo rate. Membership required. Dividends compounded and credited quarterly | 4.60% | — |
| 18 monthsStar Member Jumbo rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.65% | — |
| 24 monthsStandard (non-Star) Jumbo rate. Membership required. Dividends compounded and credited quarterly | 4.15% | — |
| 36 monthsStandard (non-Star) Jumbo rate. Membership required. Dividends compounded and credited quarterly | 4.20% | — |
| 36 monthsStar Member Jumbo rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.25% | — |
| 48 monthsStandard (non-Star) Jumbo rate. Membership required. Dividends compounded and credited quarterly | 4.00% | — |
| 48 monthsStar Member Jumbo rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.05% | — |
| 60 monthsStandard (non-Star) Jumbo rate. Membership required. Dividends compounded and credited quarterly | 4.05% | — |
| 60 monthsStar Member Jumbo rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.10% | — |
Sources (3)
- esfcu.org/accounts/savings/jumbocertificates
- esfcu.org/accounts/savings/certificates
- esfcu.org/getmedia/e6c03cca-33…s-Account-Disclosure.pdf
All captured Oct 22, 2026
Certificate
Up to 4.60%APY · 10 terms
Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
| Term | APY · $500 and up | APY · $1,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsStandard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed | 3.00% | — | 3.00% | $74 |
| 3 monthsStar Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible. Membership required. Dividends compounded and credited quarterly | 3.05% | — | 3.05% | $75 |
| 6 monthsStandard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed | 3.70% | — | 3.70% | $183 |
| 6 monthsStar Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 3.75% | — | 3.75% | $186 |
| 9 monthsStandard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed | 4.20% | — | 4.20% | $313 |
| 9 monthsStar Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.25% | — | 4.25% | $317 |
| 11 monthsLimited-time promotional 11-month Certificate for new Certificates opened September 1 through October 31, 2026. Standard (non-Star) promotional APY 4.50% for balances $1,000 to $99,999.99. Requires at least $1,000 in new money (funds not previously on deposit, transferred electronically or deposited by cash or check within 30 days prior to opening). Rate applied after new-money verification; if not met, funds transfer to a 12-month Certificate at the applicable standard rate. Dividends compounded and credited monthly. Additional deposits not permitted after opening. At maturity, automatically renews as a 12-month Certificate at the then-current rate unless other instructions are given on or before maturity. Membership required | — | 4.50% | 4.50% | $412 |
| 11 monthsStar Member promotional 11-month Certificate, new Certificates opened September 1 through October 31, 2026. Existing Star Members ($25,000 in combined deposits and/or loans) APY 4.55% for balances $1,000 to $99,999.99. Requires at least $1,000 in new money as defined for the promotion. If new-money requirement is not met, funds transfer to a 12-month Certificate at the applicable standard rate. Dividends compounded and credited monthly. Automatically renews as a 12-month Certificate at maturity. Business and Association accounts not eligible for Star Member Program | — | 4.55% | 4.55% | $416 |
| 12 monthsStandard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed | 4.25% | — | 4.25% | $425 |
| 12 monthsStar Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.30% | — | 4.30% | $430 |
| 18 monthsStandard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed | 4.55% | — | 4.55% | $690 |
| 18 monthsStar Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.60% | — | 4.60% | $698 |
| 24 monthsStandard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed | 4.10% | — | 4.10% | $837 |
| 36 monthsStandard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed | 4.15% | — | 4.15% | $1,297 |
| 36 monthsStar Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.20% | — | 4.20% | $1,314 |
| 48 monthsStandard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed | 3.95% | — | 3.95% | $1,676 |
| 60 monthsStandard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed | 4.00% | — | 4.00% | $2,167 |
| 60 monthsStar Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.05% | — | 4.05% | $2,196 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Jumbo IRA Certificate
Up to 4.65%APY · 10 terms
Jumbo IRA Certificate sharing the Jumbo Certificate rate schedule. Traditional/Roth tax labels are not separately rated. $100,000 minimum opening deposit. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits as specified for IRA Certificates. Automatically renewed. Membership required. Star Member: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsStandard (non-Star) Jumbo IRA Certificate rate. Same APYs/terms as Jumbo Certificates | 3.05% | — |
| 3 monthsStar Member Jumbo IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 3.10% | — |
| 6 monthsStandard (non-Star) Jumbo IRA Certificate rate. Same APYs/terms as Jumbo Certificates | 3.75% | — |
| 6 monthsStar Member Jumbo IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 3.80% | — |
| 9 monthsStar Member Jumbo IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.30% | — |
| 11 monthsLimited-time promotional 11-month Jumbo IRA Certificate for new Certificates opened September 1 through October 31, 2026. Standard promotional APY 4.55% for balances of $100,000 or more. Requires at least $1,000 in new money as defined for the promotion. If not met, funds transfer to a 12-month Certificate at the applicable standard rate. Dividends compounded and credited monthly. Automatically renews as a 12-month Certificate at maturity | 4.55% | — |
| 11 monthsStar Member promotional 11-month Jumbo IRA Certificate, opened September 1 through October 31, 2026. APY 4.60% for balances of $100,000 or more. Requires $1,000 new money. If not met, funds transfer to a 12-month Certificate at the applicable standard rate. Dividends compounded and credited monthly. Star Member: $25,000 in combined deposits and/or loans | 4.60% | — |
| 12 monthsStandard (non-Star) Jumbo IRA Certificate rate. Same APYs/terms as Jumbo Certificates | 4.30% | — |
| 12 monthsStar Member Jumbo IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.35% | — |
| 18 monthsStar Member Jumbo IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.65% | — |
| 24 monthsStandard (non-Star) Jumbo IRA Certificate rate. Same APYs/terms as Jumbo Certificates | 4.15% | — |
| 24 monthsStar Member Jumbo IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.20% | — |
| 36 monthsStandard (non-Star) Jumbo IRA Certificate rate. Same APYs/terms as Jumbo Certificates | 4.20% | — |
| 36 monthsStar Member Jumbo IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.25% | — |
| 48 monthsStandard (non-Star) Jumbo IRA Certificate rate. Same APYs/terms as Jumbo Certificates | 4.00% | — |
| 48 monthsStar Member Jumbo IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.05% | — |
| 60 monthsStar Member Jumbo IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.10% | — |
Sources (2)
All captured Oct 22, 2026
IRA Certificate
Up to 4.60%APY · 10 terms
IRA Certificate sharing the regular Certificate rate schedule. Traditional/Roth tax labels are not separately rated. Minimum opening deposit $500 except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits as specified for IRA Certificates. Automatically renewed. Membership required. Star Member: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible.
| Term | APY · $500 and up | APY · $1,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsStandard (non-Star) IRA Certificate rate. Same APYs/terms as regular Certificates | 3.00% | — | 3.00% | $74 |
| 3 monthsStar Member IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 3.05% | — | 3.05% | $75 |
| 6 monthsStandard (non-Star) IRA Certificate rate. Same APYs/terms as regular Certificates | 3.70% | — | 3.70% | $183 |
| 6 monthsStar Member IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 3.75% | — | 3.75% | $186 |
| 9 monthsStandard (non-Star) IRA Certificate rate. Same APYs/terms as regular Certificates | 4.20% | — | 4.20% | $313 |
| 9 monthsStar Member IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.25% | — | 4.25% | $317 |
| 11 monthsLimited-time promotional 11-month IRA Certificate for new Certificates opened September 1 through October 31, 2026. Standard promotional APY 4.50% for balances $1,000 to $99,999.99. Requires at least $1,000 in new money as defined for the promotion. If not met, funds transfer to a 12-month Certificate at the applicable standard rate. Dividends compounded and credited monthly. Automatically renews as a 12-month Certificate at maturity | — | 4.50% | 4.50% | $412 |
| 11 monthsStar Member promotional 11-month IRA Certificate, opened September 1 through October 31, 2026. APY 4.55% for balances $1,000 to $99,999.99. Requires $1,000 new money. If not met, funds transfer to a 12-month Certificate at the applicable standard rate. Dividends compounded and credited monthly. Star Member: $25,000 in combined deposits and/or loans | — | 4.55% | 4.55% | $416 |
| 12 monthsStandard (non-Star) IRA Certificate rate. Same APYs/terms as regular Certificates | 4.25% | — | 4.25% | $425 |
| 12 monthsStar Member IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.30% | — | 4.30% | $430 |
| 18 monthsStandard (non-Star) IRA Certificate rate. Same APYs/terms as regular Certificates | 4.55% | — | 4.55% | $690 |
| 18 monthsStar Member IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.60% | — | 4.60% | $698 |
| 24 monthsStandard (non-Star) IRA Certificate rate. Same APYs/terms as regular Certificates | 4.10% | — | 4.10% | $837 |
| 24 monthsStar Member IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.15% | — | 4.15% | $847 |
| 36 monthsStandard (non-Star) IRA Certificate rate. Same APYs/terms as regular Certificates | 4.15% | — | 4.15% | $1,297 |
| 36 monthsStar Member IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.20% | — | 4.20% | $1,314 |
| 48 monthsStandard (non-Star) IRA Certificate rate. Same APYs/terms as regular Certificates | 3.95% | — | 3.95% | $1,676 |
| 48 monthsStar Member IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.00% | — | 4.00% | $1,699 |
| 60 monthsStandard (non-Star) IRA Certificate rate. Same APYs/terms as regular Certificates | 4.00% | — | 4.00% | $2,167 |
| 60 monthsStar Member IRA Certificate rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible | 4.05% | — | 4.05% | $2,196 |
Sources (2)
All captured Oct 22, 2026
Who can join Educational Systems Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in St. Mary's County, Maryland are eligible for membership.
Employers and groups
- Individuals affiliated with the Howard County Library System are eligible to join by becoming a member of the Support Education Foundation.
- Employees of Howard University Hospital are eligible for membership.
Military, government and schools
- Employees (including contractors), students, parents, and alumni of specified colleges and universities are eligible for membership.
- Employees (including those paid by a contractor), students, and parents of specified Maryland county public school systems are eligible for membership.
Family and household
- Immediate family members of individuals eligible for Educational Systems Federal Credit Union membership are eligible to join.
2 more ways to join
Family and household
- Immediate family members of existing Educational Systems Federal Credit Union members are eligible to join.
Other ways
- Individuals can join by becoming a member of the Support Education Foundation if they are a volunteer, employee, student, alumni, or retiree of any public or private school/system, college/university, or education-related organization.
Membership information collected October 4, 2026.