Credit union · NCUA insured
Emporia State Federal Credit Union CD Rates
Emporia State Federal Credit Union’s best CD rate is 4.25% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Emporia State Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Emporia, KS, where Emporia State Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Emporia State Federal Credit Union
4.25%APY
- Term
- 36 months
- Minimum
- —
- Earns on $10,000
- $1,330
Certificates
2nd-highest rate
Capitol Federal
4.20%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,789
3rd-highest rate
ESB Financial
3.80%APY
- Term
- 7–11 months
- Minimum
- —
- Earns on $10,000
- —
Emporia State Federal Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.79%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 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 Emporia State 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.
Certificates
Up to 4.25%APY · 7 terms
Personal accounts only. Penalty for early withdrawal of 6 months interest which can reduce the principal. At maturity, certificate reinvests for the same term at the fixed-rate in effect at the time unless indicated otherwise. Insured up to $250,000 per account. IRA Certificates are excluded.
| Term | APY · $25 and up | APY · $500 and up | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months6 Months | — | 3.79% | — | — | 3.79% | $188 |
| 12 months12 Months | — | — | 3.75% | — | 3.75% | $375 |
| 12 monthsJumbo 12 Months | — | — | — | 4.00% | —4.00% from $100k | — |
| 12 monthsSAVE TO WIN 12 Months (Disclosure Below) | 3.75% | — | — | — | 3.75% | $375 |
| 18 months18 Months Special | — | — | 4.00% | — | 4.00% | $606 |
| 18 monthsJumbo 18 Months Special | — | — | — | 4.25% | —4.25% from $100k | — |
| 24 months24 Months | — | — | 4.00% | — | 4.00% | $816 |
| 36 months36 Months | — | — | 4.25% | — | 4.25% | $1,330 |
| 48 months48 Months | — | — | 4.00% | — | 4.00% | $1,699 |
| 60 months60 Months | — | — | 2.50% | — | 2.50% | $1,314 |
18 Months Special Certificate
4.00%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 4.00% | $606 |
Who can join Emporia State Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.