Credit union · NCUA insured
Educators CU CD Rates
Top CarrotEducators CU’s best CD rate is 4.20% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Educators CU’s CD rates compare
Compared with banks and credit unions near Milwaukee, WI, where Educators CU has the most branches. $10,000, best rate first.
This credit union’s best
Educators CU
4.20%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $243
Share Certificate
Top rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
2nd-highest rate
Bank Five Nine
4.65%APY
- Term
- 23 months
- Minimum
- $2,500
- Earns on $10,000
- $910
Educators CU CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo2.65%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.20%
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 CU 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 Certificate
Up to 4.20%APY · 12 terms
Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 91 days. New share certificates only. Penalty will or may be imposed for early withdrawal | 1.80% | $45 |
| 6 monthsTerm is 182 days. New share certificates only. Penalty will or may be imposed for early withdrawal | 1.90% | $95 |
| 7 months7 Month Special. New share certificates only. Penalty will or may be imposed for early withdrawal | 4.20% | $243 |
| 9 monthsTerm is 275 days (Add-on). Add-on option allows depositing a minimum of $500 at any time. Penalty will or may be imposed for early withdrawal | 1.95% | $146 |
| 12 monthsTerm is 1 Year. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.25% | $225 |
| 15 months15 Month Special. New share certificates only. Penalty will or may be imposed for early withdrawal | 4.20% | $528 |
| 18 monthsTerm is 18 Months. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.35% | $355 |
| 24 monthsTerm is 2 Years. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.60% | $527 |
| 30 monthsTerm is 30 Months (Add-on). Add-on option allows depositing a minimum of $500 at any time. Penalty will or may be imposed for early withdrawal | 2.65% | $676 |
| 36 monthsTerm is 3 Years. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.75% | $848 |
| 48 monthsTerm is 4 Years. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.85% | $1,190 |
| 60 monthsTerm is 5 Years. New share certificates only. Penalty will or may be imposed for early withdrawal | 3.00% | $1,593 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.20%APY · 12 terms
Available as Traditional IRA or Roth IRA. Offers the same rates as other share certificates with a guaranteed rate during the Share Certificate term. Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 91 days. New share certificates only. Penalty will or may be imposed for early withdrawal | 1.80% | $45 |
| 6 monthsTerm is 182 days. New share certificates only. Penalty will or may be imposed for early withdrawal | 1.90% | $95 |
| 7 months7 Month Special. New share certificates only. Penalty will or may be imposed for early withdrawal | 4.20% | $243 |
| 9 monthsTerm is 275 days (Add-on). Add-on option allows depositing a minimum of $500 at any time. Penalty will or may be imposed for early withdrawal | 1.95% | $146 |
| 12 monthsTerm is 1 Year. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.25% | $225 |
| 15 months15 Month Special. New share certificates only. Penalty will or may be imposed for early withdrawal | 4.20% | $528 |
| 18 monthsTerm is 18 Months. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.35% | $355 |
| 24 monthsTerm is 2 Years. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.60% | $527 |
| 30 monthsTerm is 30 Months (Add-on). Add-on option allows depositing a minimum of $500 at any time. Penalty will or may be imposed for early withdrawal | 2.65% | $676 |
| 36 monthsTerm is 3 Years. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.75% | $848 |
| 48 monthsTerm is 4 Years. New share certificates only. Penalty will or may be imposed for early withdrawal | 2.85% | $1,190 |
| 60 monthsTerm is 5 Years. New share certificates only. Penalty will or may be imposed for early withdrawal | 3.00% | $1,593 |
Sources (2)
All captured Oct 5, 2026
Who can join Educators CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to those who live or work in the Wisconsin counties of Dane, Green, Jefferson, Kenosha, Milwaukee, Ozaukee, Racine, Rock, Walworth, Washington, or Waukesha.
- Membership is available to those who live or work in the Illinois counties of Lake, Boone, McHenry, or Winnebago.
Cost to join
- A $5 refundable share deposit into a Prime Share Savings account is required to become a member-owner.
Membership information collected October 5, 2026.