Credit union · NCUA insured
Emergency Responders Credit Union CD Rates
Emergency Responders Credit Union’s best CD rate is 3.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Emergency Responders Credit Union’s CD rates compare
Compared with banks and credit unions near Winston-Salem, NC, where Emergency Responders Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Emergency Responders Credit Union
3.25%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $161
Certificates of Deposit
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Emergency Responders Credit Union CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.20%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.25%
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 Emergency Responders 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.
Certificates of Deposit
Up to 3.25%APY · 6 terms
Available to emergency responders and their families across North Carolina. Early withdrawal penalties apply; fees may reduce earnings.
| Term | APY · Any balance | APY · $500 – $30,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsEarly withdrawal penalties apply; fees may reduce earnings | 3.25% | — | 3.25% | $161 |
| 9 monthsEarly withdrawal penalties apply; fees may reduce earnings | — | 3.20% | 3.20% | $239 |
| 12 monthsEarly withdrawal penalties apply; fees may reduce earnings | — | 3.10% | 3.10% | $310 |
| 18 monthsEarly withdrawal penalties apply; fees may reduce earnings | — | 3.00% | 3.00% | $453 |
| 24 monthsEarly withdrawal penalties apply; fees may reduce earnings | — | 2.95% | 2.95% | $599 |
| 36 monthsEarly withdrawal penalties apply; fees may reduce earnings | — | 2.75% | 2.75% | $848 |
Who can join Emergency Responders Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Emergency Responders Credit Union are eligible for membership.
Military, government and schools
- Employees and volunteers of Emergency First Responder Agencies (fire service, emergency medical service, emergency management, law enforcement, and hazardous materials) in North Carolina are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relations) and household members living in the same residence maintaining a single economic unit of a credit union member are eligible for membership.
Other ways
- Organizations composed primarily of persons within the field of membership of Emergency Responders Credit Union are eligible for membership.
- Retirees of eligible first responder groups and Emergency Responders Credit Union are eligible for membership.
Cost to join
- Establishing membership requires purchasing one credit union share with a $25.00 refundable deposit to a share (savings) account.
Membership information collected October 4, 2026.