Credit union · NCUA insured
ELCA Federal Credit Union CD Rates
ELCA Federal Credit Union’s best CD rate is 3.05% APY on a 1-year share certificate (CD). Terms run from 1 year to 4 years. Rates checked October 16, 2026.
How ELCA Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where ELCA Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ELCA Federal Credit Union
3.05%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $305
Certificates of Deposit
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
ELCA Federal Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo3.05%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.05%
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 ELCA 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.
Certificates of Deposit
Up to 3.05%APY · 5 terms
Fixed rate throughout the term; automatically renewed.
| Term | APY · $1,000 – $5,000 | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.05% | 3.05% | 3.05%3.05% $1k–$5k | $305 |
| 18 months | 3.05% | 3.05% | 3.05%3.05% $1k–$5k | $461 |
| 24 months | 2.95% | 2.95% | 2.95%2.95% $1k–$5k | $599 |
| 36 months | 2.75% | 2.75% | 2.75%2.75% $1k–$5k | $848 |
| 48 months | 2.50% | 2.50% | 2.50%2.50% $1k–$5k | $1,038 |
Who can join ELCA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees, students, volunteers, clients, and other participants of ELCA-affiliated organizations.
- Membership is open to members and participants of ELCA congregations who worship, volunteer, or otherwise participate in ministry at any ELCA congregation.
- Membership is open to all ELCA congregations.
- Membership is open to ELCA ministries and ELCA-affiliated organizations.
- Membership is open to congregations and organizations of the United Church of Christ.
- Membership is open to members and participants of UCC congregations and organizations who worship, volunteer, donate, or otherwise participate in ministry at any congregation or organization of the United Church of Christ.
2 more ways to join
Employers and groups
- Membership is extended to Workplace Banking partners.
Family and household
- Membership is open to immediate family members of current ELCA FCU members.
Membership information collected October 5, 2026.