Skip to content

Credit union · NCUA insured

ElecTel Cooperative Federal Credit Union CD Rates

Top Carrot, Carrot Score 98Top Carrot

ElecTel Cooperative Federal Credit Union’s best CD rate is 3.90% APY on an 18-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.

How ElecTel Cooperative Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Raleigh, NC, where ElecTel Cooperative Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 98

    This credit union’s best

    ElecTel Cooperative Federal Credit Union

    3.90%APY

    Term
    18 months
    Minimum
    $500
    Earns on $10,000
    $591

    Share Certificate

  • Top Carrot, Carrot Score 98

    Top rate

    Langley Credit Union

    4.50%APY

    Term
    60 months
    Minimum
    $500
    Earns on $10,000
    $2,462

    Langley Credit Union rates

  • Top Carrot, Carrot Score 95

    2nd-highest rate

    Coastal Credit Union

    4.50%APY

    Term
    60 months
    Minimum
    $250
    Earns on $10,000
    $2,462

    Coastal Credit Union rates

Compare CD rates near you →

ElecTel Cooperative Federal Credit Union CD score

86

CD score

Higher than 73% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.70%
  • 9–15 months9–15 mo3.85%
  • 16–30 months16–30 mo3.90%
  • 31–60 months31–60 mo3.80%
  • QualifiedQualified3.90%

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.

How the score works →

Where ElecTel Cooperative 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.

Who can join ElecTel Cooperative Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees, officers, and directors of specified electric and telephone cooperatives in North Carolina and Virginia are eligible for membership.

Family and household

  • Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) of employees, officers, and directors of specified cooperatives are eligible for membership.
  • Members of the immediate family or household of consumers/members of specified cooperatives are eligible for membership.

Other ways

  • Consumers and members of specified electric and telephone cooperatives are eligible for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← ElecTel Cooperative Federal Credit Union overview