Credit union · NCUA insured
Embarrass Vermillion FCU CD Rates
Embarrass Vermillion FCU’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Embarrass Vermillion FCU’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Embarrass Vermillion FCU has the most branches. $10,000, best rate first.
This credit union’s best
Embarrass Vermillion FCU
4.25%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $868
Share Certificates
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Embarrass Vermillion FCU CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- QualifiedQualified4.25%
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 Embarrass Vermillion FCU 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 4.25%APY · 3 terms
All certificates require a $500 minimum deposit. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 4.00% | $400 |
| 24 months | 4.25% | $868 |
Who can join Embarrass Vermillion FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in St. Louis County, MN, North of Hwy 16 for at least six months out of the year are eligible for membership.
Employers and groups
- Employees and enrolled members of the Bois Forte Band of Chippewa located in Nett Lake, MN, who qualify for membership in accordance with its charter and bylaws in effect as of October 10, 2013 are eligible for membership.
- Employees of this credit union are eligible for membership.
- Employees of the Bois Forte Development Corporation located in Tower, Minnesota are eligible for membership.
Military, government and schools
- Employees of Nett Lake School, ISD #707, located in Nett Lake, Minnesota are eligible for membership.
- Employees of the Bois Forte Band of Chippewa Reservation Tribal Government located in Nett Lake, Minnesota are eligible for membership.
6 more ways to join
Family and household
- Individuals who have family living, working, worshipping, or attending school in St. Louis County, MN, North of Hwy 16 for at least six months out of the year are eligible for membership.
- Members of the immediate family or household of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Organizations of eligible persons, and corporate or other legal entities in the proposed charter are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
- Volunteers of the eligible organizations/employers are eligible for membership.
Cost to join
- Adult membership requires a deposit of $25.00 into an EVFCU savings account.
- Child membership requires a deposit of $5.00 into an EVFCU savings account.
Membership information collected October 4, 2026.