Emerald Empire Federal Credit Union CD Rates

How Emerald Empire Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Eugene, OR, where Emerald Empire Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Emerald Empire Federal Credit Union
3.55%APY
Term
24 months
Requires
None
Minimum
$1,000
Earns on $10,000
$723
Certificate Account
Top rate
Wells Fargo
4.25%APY
Term
11 months
Requires
Another account
Minimum
$5,000
Earns on $10,000
$389
Wells Fargo rates
2nd-highest rate
Central Willamette Credit Union
4.16%APY
Term
12 months
Requires
None
Minimum
$750
Earns on $10,000
$416
Central Willamette Credit Union rates

Compare CD rates near you →

CD score

Higher than 41% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.45%
9–15 months9–15 mo3.50%
16–30 months16–30 mo3.55%
31–60 months31–60 mo3.25%
QualifiedQualified3.55%

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 Emerald Empire 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.

Certificate Account

Up to 3.55%APY · 5 termsFrom $1,000 to open

Fixed rate for the term. Minimum balance required to open and earn stated APY is $1,000. Daily balance method used to calculate dividends. Early withdrawal penalty applies (30 days' dividends for terms <= 12 months, 60 days' dividends for terms > 12 months). Automatically renews at maturity with a 10-day grace period.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsDividends compounded and credited at maturity	3.45%	$171
9 monthsDividends compounded and credited quarterly	3.50%	$261
12 monthsAdd-On 1 Year Certificate. Dividends compounded and credited quarterly	3.40%	$340
24 monthsDividends compounded and credited quarterly	3.55%	$723
36 months3-Year Bump-It-Up Certificate. Dividends compounded and credited quarterly	3.25%	$1,007

Sources (2)

All captured Oct 15, 2026

Who can join Emerald Empire 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This may be incomplete or out of date, so check with the credit union before you apply.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

Membership is open to anyone who lives, works (or regularly conducts business in), worships, or attends school in, and businesses and other legal entities located in Lane County, Oregon.

Family and household

Family members of EEFCU members, regardless of location, are eligible to join.

Cost to join

An initial share deposit of at least $25 is required, which will be held in the account for the life of membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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