Credit union · NCUA insured
Elko Federal Credit Union CD Rates
Elko Federal Credit Union’s best CD rate is 3.82% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How Elko Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Elko, NV, where Elko Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Elko Federal Credit Union
3.82%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $189
Share Certificates
Top rate
Greater Nevada Credit Union
4.30%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,343
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Elko Federal Credit Union CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo2.68%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.82%
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 Elko 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.
Share Certificates
Up to 3.82%APY · 7 terms
Must purchase and maintain the minimum required share(s) in a Share Savings account (5 shares at $5.00 par value = $25.00) and pay a nonrefundable membership fee ($5.00 regular, $2.00 student). Early withdrawal penalty applies: 30 days dividends for terms 12 months or less, 90 days dividends for terms 24 months or greater. Renews automatically at maturity with no grace period. Additional deposits not allowed during term. Compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCertificate dividends can be paid back to certificate, share savings account monthly, or by check. Early withdrawal penalty applies. Automatic renewal | 2.02% | $50 |
| 6 months | 3.82% | $189 |
| 6 monthsCertificate dividends can be paid back to certificate, share savings account monthly, or by check. Early withdrawal penalty applies. Automatic renewal | 3.82% | $189 |
| 9 monthsCertificate dividends can be paid back to certificate, share savings account monthly, or by check. Early withdrawal penalty applies. Automatic renewal | 3.56% | $266 |
| 12 monthsCertificate dividends can be paid back to certificate, share savings account monthly, or by check. Early withdrawal penalty applies. Automatic renewal | 3.56% | $356 |
| 24 monthsCertificate dividends can be paid back to certificate, share savings account monthly, or by check. Early withdrawal penalty applies. Automatic renewal | 2.68% | $543 |
| 30 monthsCertificate dividends can be paid back to certificate, share savings account monthly, or by check. Early withdrawal penalty applies. Automatic renewal | 2.02% | $513 |
| 36 monthsCertificate dividends can be paid back to certificate, share savings account monthly, or by check. Early withdrawal penalty applies. Automatic renewal | 2.02% | $618 |
Sources (3)
All captured Oct 22, 2026
Who can join Elko Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, regularly conduct business, worship, or attend school in specified counties in Nevada or Idaho are eligible for membership.
Employers and groups
- Employees of Elko Federal Credit Union are eligible for membership.
Family and household
- Members of immediate families and households of eligible persons are eligible for membership.
- Spouses of persons who died while maintaining membership at Elko Federal Credit Union are eligible for membership.
Other ways
- Businesses and other legal entities located or headquartered in the specified Nevada and Idaho counties are eligible for membership.
- Organizations composed of eligible persons are eligible for membership.
1 more way to join
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- A one-time membership fee of $5.00 is required upon joining.
- A minimum deposit of $25.00 into a Share Savings Account is required to join.
Membership information collected October 4, 2026.