Credit union · NCUA insured
Energy People FCU CD Rates
Energy People FCU’s best CD rate is 4.34% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Energy People FCU’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Energy People FCU has the most branches. $10,000, best rate first.
This credit union’s best
Energy People FCU
2.79%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $279
Share Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Energy People FCU CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo2.28%
- 9–15 months9–15 mo2.79%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo2.28%
- QualifiedQualified2.79%
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 Energy People FCU 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.
Share Certificate
Up to 2.79%APY · 6 terms
Dividends compounded daily and credited monthly. Early withdrawal penalty applies. Minimum balance to open and obtain APY is $1,000.00. Automatically renewable at maturity.
| Term | APY · $1,000 – $4,999 | APY · $5,000 – $24,999 | APY · $25,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 6 months | 1.77% | 2.28% | 2.53% | — | — | — | — | 2.28%1.77% $1k–$5k2.53% $25k–$50k | $113 |
| 12 months | 2.28% | 2.79% | 3.05% | — | — | — | — | 2.79%2.28% $1k–$5k3.05% $25k–$50k | $279 |
| 12 months12 Month Jumbo CD Specials | — | — | — | 3.56% | 3.82% | 4.08% | — | —3.56% $50k–$75k3.82% $75k–$100k4.08% $100k–$200k | — |
| 12 months12 Month Jumbo CD Specials ($200,000.00 over) | — | — | — | — | — | — | 4.34% | —4.34% from $200k | — |
| 24 months | 2.02% | 2.53% | 3.05% | — | — | — | — | 2.53%2.02% $1k–$5k3.05% $25k–$50k | $512 |
| 36 months | 1.77% | 2.28% | 2.53% | — | — | — | — | 2.28%1.77% $1k–$5k2.53% $25k–$50k | $700 |
| 48 months | 1.51% | 2.02% | 2.28% | — | — | — | — | 2.02%1.51% $1k–$5k2.28% $25k–$50k | $833 |
| 60 months | 1.51% | 2.02% | 2.28% | — | — | — | — | 2.02%1.51% $1k–$5k2.28% $25k–$50k | $1,052 |
Sources (3)
All captured Oct 15, 2026
Who can join Energy People FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active and retired employees of PSE&G are eligible for membership.
Family and household
- Families and relatives (direct family members) of active and retired PSE&G employees are eligible for membership.
Membership information collected October 5, 2026.