Credit union · NCUA insured
Educators Credit Union CD Rates
Educators Credit Union’s best CD rate is 2.53% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Educators Credit Union’s CD rates compare
Compared with banks and credit unions near Waco, TX, where Educators Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Educators Credit Union
2.53%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $512
Regular Certificate of Deposit (CD)
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Educators Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo2.27%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo2.53%
- QualifiedQualified2.53%
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 Educators 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.
Regular Certificate of Deposit (CD)
Up to 2.53%APY · 6 terms
Minimum opening deposit $1,000 ($5,000 for 6 month CD). No monthly service fee. Earned interest may be withdrawn before maturity without a penalty. CDs may be used as loan collateral. Interest paid monthly. Penalty may be imposed for early withdrawal. ECU membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum opening deposit for 6 month CD $5,000. A penalty may be imposed for early withdrawal | 2.02% | $100 |
| 12 monthsMinimum opening deposit $1,000. A penalty may be imposed for early withdrawal | 2.27% | $227 |
| 24 monthsMinimum opening deposit $1,000. A penalty may be imposed for early withdrawal | 2.53% | $512 |
| 36 monthsMinimum opening deposit $1,000. A penalty may be imposed for early withdrawal | 2.53% | $778 |
| 48 monthsMinimum opening deposit $1,000. A penalty may be imposed for early withdrawal | 2.53% | $1,051 |
| 60 monthsMinimum opening deposit $1,000. A penalty may be imposed for early withdrawal | 2.53% | $1,331 |
Sources (2)
All captured Oct 6, 2026
Who can join Educators Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in McLennan, Bell, Bosque, Hill, Falls, Coryell, Hamilton, Lampasas, or Limestone County.
Family and household
- Membership is open to individuals who have an immediate family member currently a member of Educators Credit Union.
Membership information collected October 5, 2026.