Credit union · NCUA insured
Ellafi Federal Credit Union CD Rates
Ellafi Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Ellafi Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hartford, CT, where Ellafi Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ellafi Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
Share Certificates
Top rate
Connecticut State Police Credit Union
4.86%APY
- Term
- 120 months
- Minimum
- $500
- Earns on $10,000
- $6,065
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
Ellafi Federal Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo2.75%
- 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 Ellafi 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 4.00%APY · 11 terms
Membership required ($5 par value share). Early withdrawal penalty applies (Terms of 12 months or less: 90 days' dividends; Terms longer than 12 months: 180 days' dividends). 10-day grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 6 months | 3.50% | $173 |
| 9 months | 3.65% | $273 |
| 10 months | 0.50% | $42 |
| 12 months | 4.00% | $400 |
| 14 months | 3.75% | $439 |
| 18 months | 3.75% | $568 |
| 24 months | 3.85% | $785 |
| 36 months | 2.00% | $612 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Oct 15, 2026
Amplifi Saver Certificate Account
3.00%APY · 1 term
No withdrawals permitted until maturity. Only the first $10,000 earns dividends. Add funds anytime. Automatic renewal into the same term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum dividend-earning balance: $10,000. Withdrawals not permitted until maturity | 3.00% | $300 |
Sources (2)
All captured Oct 15, 2026
Simplifi Saver Certificate Account
3.00%APY · 1 term
One penalty-free withdrawal during the term. Only the first $2,500 earns dividends. Add funds anytime. Automatic renewal into the same term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum dividend-earning balance: $2,500. One penalty-free withdrawal permitted | 3.00% | — |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.00%APY · 11 terms
Available for Traditional, Roth, and Coverdell IRAs. No setup or maintenance fees. Early withdrawal penalty applies except RMD age or qualifying exceptions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 6 months | 3.50% | $173 |
| 9 months | 3.65% | $273 |
| 10 months | 0.50% | $42 |
| 12 months | 4.00% | $400 |
| 14 months | 3.75% | $439 |
| 18 months | 3.75% | $568 |
| 24 months | 3.85% | $785 |
| 36 months | 2.00% | $612 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Oct 15, 2026
Saplings Share Certificates
0.00%APY · 3 terms
Available to individuals between the ages of 0-17. Minimum balance $250.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.00% | $0 |
| 12 months | 0.00% | $0 |
| 18 months | 0.00% | $0 |
Sources (1)
- ellafifcu.org/rates-and-fees/certificate-rates · captured Oct 15, 2026
Who can join Ellafi 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
- Eligibility is open to individuals who live, work, worship, attend school, or volunteer in Branford, Cheshire, Chester, Clinton, Cromwell, Deep River, Durham, East Haddam, East Hampton, East Haven, Essex, Guilford, Haddam, Higganum, Killingworth, Madison, Meriden, Middlefield, Middletown, North Branford, North Haven, Old Saybrook, Portland, Wallingford, or Westbrook.
Family and household
- Eligibility is open to individuals who are related to a current Ellafi member.
Cost to join
- A minimum deposit of at least $5 is required to get started.
Membership information collected October 4, 2026.