Credit union · NCUA insured
Employees Choice FCU CD Rates
Employees Choice FCU’s best CD rate is 3.35% APY on a 1-year share certificate (CD). Terms run from 3 months to 1 year. Rates checked October 16, 2026.
How Employees Choice FCU’s CD rates compare
Compared with banks and credit unions in California, where Employees Choice FCU has the most branches. $10,000, best rate first.
This credit union’s best
Employees Choice FCU
3.35%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $335
Share Certificate
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.35%APY · 3 terms
All certificate accounts are subject to penalties for early withdrawal. APY is based on an assumption that dividends will remain on deposit for the entire term of the dividend period. Earnings are reduced by withdrawals from the account.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 1.76% | 1.82% | 1.82% | 1.82%1.76% $1k–$10k1.82% from $25k | $45 |
| 6 months | 2.28% | 2.33% | 2.33% | 2.33%2.28% $1k–$10k2.33% from $25k | $116 |
| 12 months | 3.30% | 3.35% | 3.35% | 3.35%3.30% $1k–$10k3.35% from $25k | $335 |
Who can join Employees Choice FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Select Employee Groups (Roger S. Gordon & Co., CPA, Pfuhl & Knight Accountancy Corporation, and The Goods Insurance Agency) are eligible for membership.
Military, government and schools
- County of San Diego employees who work in La Mesa, CA are eligible for membership.
- Employees and retirees of the City of El Cajon, the City of La Mesa, or the Helix Water District are eligible for membership.
- State of California employees who work or have headquarters in La Mesa, CA are eligible for membership.
Family and household
- Immediate family members of an employee or retiree of the City of El Cajon, City of La Mesa, or Helix Water District are eligible for membership.
- Immediate family members of employees of Select Employee Groups (Roger S. Gordon & Co., CPA, Pfuhl & Knight Accountancy Corporation, and The Goods Insurance Agency) are eligible for membership.
Cost to join
- A minimum savings deposit of $25.00 is required to open an account and maintain membership.
Membership information collected October 5, 2026.