Credit union · NCUA insured
EFCU CD Rates
EFCU’s best CD rate is 3.98% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How EFCU’s CD rates compare
Compared with banks and credit unions near Denver, CO, where EFCU has the most branches. $10,000, best rate first.
This credit union’s best
EFCU
3.98%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $197
Share Certificates
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
EFCU CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.98%
- 9–15 months9–15 mo3.77%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.98%
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 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 Certificates
Up to 3.98%APY · 5 terms
Membership eligibility required. Dividends are compounded daily and credited monthly. APY and Dividend Rates are fixed until maturity after issuance. Early withdrawal penalties apply (90 days interest for terms 12 months or less, 180 days interest for terms greater than 12 months).
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.98% | — | 3.98% | $197 |
| 12 months | 3.77% | — | 3.77% | $377 |
| 12 monthsJumbo certificate tier | — | 3.87% | —3.87% from $100k | — |
| 24 months | 3.56% | — | 3.56% | $725 |
| 24 monthsJumbo certificate tier | — | 3.67% | —3.67% from $100k | — |
| 36 months | 3.35% | — | 3.35% | $1,039 |
| 48 months | 3.35% | — | 3.35% | $1,409 |
Sources (1)
- electricalfcu.org/copy-of-rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.98%APY · 5 terms
Membership eligibility required. Dividends are compounded daily and credited monthly. APY and Dividend Rates are fixed until maturity after issuance. Early withdrawal penalties apply (90 days interest for terms 12 months or less, 180 days interest for terms greater than 12 months).
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.98% | — | 3.98% | $197 |
| 12 months | 3.77% | — | 3.77% | $377 |
| 12 monthsJumbo certificate tier | — | 3.87% | —3.87% from $100k | — |
| 24 months | 3.56% | — | 3.56% | $725 |
| 24 monthsJumbo certificate tier | — | 3.67% | —3.67% from $100k | — |
| 36 months | 3.35% | — | 3.35% | $1,039 |
| 48 months | 3.35% | — | 3.35% | $1,409 |
Sources (1)
- electricalfcu.org/copy-of-rates · captured Oct 15, 2026
Who can join EFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with specific partner companies or unions such as Local #577 Plasters and Cement Masons, AFSCME Colorado, or Eaton Metal Products.
- Eligibility is open to individuals affiliated with specified Colorado labor unions or any labor union affiliated with the Colorado AFL-CIO or the Denver Area Labor Federation.
Family and household
- Eligibility is open to family members of an EFCU member.
Cost to join
- A minimum share deposit of $25.00 is required for membership at the time of account opening.
Membership information collected October 4, 2026.