Credit union · NCUA insured
Employees Credit Union CD Rates
Employees Credit Union’s best CD rate is 3.53% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Employees Credit Union’s CD rates compare
Compared with banks and credit unions in Iowa, where Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Employees Credit Union
3.53%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $175
Six Month CD
Top rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Employees Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.53%
- 9–15 months9–15 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.53%
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 Employees 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.
Six Month CD
3.53%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA significant fee may be imposed for early withdrawal. Fees will reduce earnings | 3.53% | $175 |
Sources (1)
- employeescu.com/asp/rates.asp · captured Sep 18, 2026
1 Year CD
3.50%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsA significant fee may be imposed for early withdrawal. Fees will reduce earnings | 3.50% | $350 |
Sources (1)
- employeescu.com/asp/rates.asp · captured Sep 18, 2026
5 Year CD
3.25%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsA significant fee may be imposed for early withdrawal. Fees will reduce earnings | 3.25% | $1,734 |
Sources (1)
- employeescu.com/asp/rates.asp · captured Sep 18, 2026
Special-purpose accounts
18 Month IRA CD
4.04%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsA significant fee may be imposed for early withdrawal. Fees will reduce earnings | 4.04% | $612 |
Sources (1)
- employeescu.com/asp/rates.asp · captured Sep 18, 2026
Who can join Employees Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.