Credit union · NCUA insured
EFCU Financial CD Rates
EFCU Financial’s best CD rate is 4.10% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How EFCU Financial’s CD rates compare
Compared with banks and credit unions near Baton Rouge, LA, where EFCU Financial has the most branches. $10,000, best rate first.
This credit union’s best
EFCU Financial
4.00%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $198
Share Certificates
Top rate
La Capitol Federal Credit Union
4.50%APY
- Term
- 37 months
- Minimum
- $500
- Earns on $10,000
- $1,454
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
EFCU Financial CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.75%
- 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 EFCU Financial 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 Certificates
Up to 4.10%APY · 8 terms
Minimum opening balance $100,000. Dividends may be compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.10% | — |
| 12 months | 4.10% | — |
| 18 months | 3.75% | — |
| 24 months | 3.75% | — |
| 30 months | 3.75% | — |
| 36 months | 3.80% | — |
| 48 months | 3.80% | — |
| 60 months | 3.85% | — |
Sources (1)
- efcufinancial.org/accounts/per…sh-back-rewards-checking · captured Sep 18, 2026
Share Certificates
Up to 4.00%APY · 8 terms
Minimum opening balance $500. Dividends may be compounded and credited monthly. Early withdrawal penalties may apply. Bump-up option available on 30-month term certificates. Rates subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.00% | $400 |
| 18 months | 3.65% | $552 |
| 24 months | 3.65% | $743 |
| 30 monthsBump-up option available once during the term to increase the rate to the higher rate in effect at the time of the bump | 3.65% | $938 |
| 36 months | 3.70% | $1,152 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- efcufinancial.org/accounts/per…sh-back-rewards-checking · captured Sep 18, 2026
Special-purpose accounts
Jumbo IRA Certificates
Up to 4.20%APY · 8 terms
Minimum opening balance $100,000. Dividends may be compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.20% | — |
| 12 months | 4.20% | — |
| 18 months | 3.85% | — |
| 24 months | 3.85% | — |
| 30 months | 3.85% | — |
| 36 months | 3.90% | — |
| 48 months | 3.90% | — |
| 60 months | 3.95% | — |
Sources (1)
- efcufinancial.org/accounts/per…sh-back-rewards-checking · captured Sep 18, 2026
IRA Certificates
Up to 4.10%APY · 8 terms
Minimum opening balance $500. Dividends may be compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.10% | $203 |
| 12 months | 4.10% | $410 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 30 months | 3.75% | $964 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.80% | $1,609 |
| 60 months | 3.85% | $2,079 |
Sources (1)
- efcufinancial.org/accounts/per…sh-back-rewards-checking · captured Sep 18, 2026
Who can join EFCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- EFCU Financial operates under a community charter encompassing nine parishes: Ascension, East Baton Rouge, East Feliciana, Iberville, Livingston, Pointe Coupee, St. Helena, West Baton Rouge, and West Feliciana.
Cost to join
- Membership is free with no hidden costs to be an EFCU Financial member.
Membership information collected October 5, 2026.