Credit union · NCUA insured
EP Federal Credit Union CD Rates
EP Federal Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How EP Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where EP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
EP Federal Credit Union
3.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $350
SmartSaver Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
EP Federal Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.50%
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 EP 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.
SmartSaver Certificates
Up to 3.50%APY · 7 terms
Fixed rate. Daily balance method. Early withdrawal penalty is 90 days of dividends earned. No service fees. Automatically renews; 5-day grace period following maturity. No deposits or withdrawals permitted after opening until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 9 months | 3.43% | $256 |
| 12 months | 3.50% | $350 |
| 24 months | 3.00% | $609 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.04% | $1,615 |
Sources (1)
- epfcu.org/accounts/certificates · captured Oct 3, 2026
Bump Up Certificates
2.93%APY · 2 terms
Fixed rate with option to bump up dividend rate by requesting a one-time rate increase during the maturity term to the prevailing rate for the same term. Dividends compounded and paid monthly. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 months | 2.93% | $1,225 |
| 60 months | 2.93% | $1,553 |
Sources (1)
- epfcu.org/accounts/certificates · captured Oct 3, 2026
Pot of Gold Certificates
Up to 1.99%APY · 1 term
Variable rate share certificate. Dividends compounded and paid quarterly. Deposit made by weekly payroll distribution or automated funds transfer. Opening deposit must equal contracted deposit amount. Penalty for early withdrawal of any funds before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48–72 monthsMinimum $25/week deposit by payroll distribution or automated funds transfer | 1.99% | $820 |
| 48–72 monthsMinimum $6/week deposit by payroll distribution or automated funds transfer | 1.00% | $406 |
Sources (1)
- epfcu.org/accounts/certificates · captured Oct 3, 2026
Special-purpose accounts
SmartSaver IRA Certificates
Up to 3.50%APY · 7 terms
Offered in Traditional and Roth formats with terms from 6 to 60 months. Rate is same as Regular Certificate. Early withdrawal penalty is 90 days of dividends earned. No service fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSame rate as Regular 6 Month Certificate | 2.53% | $126 |
| 9 monthsSame rate as Regular 9 Month Certificate | 3.43% | $256 |
| 12 monthsSame rate as Regular 12 Month Certificate | 3.50% | $350 |
| 24 monthsSame rate as Regular 24 Month Certificate | 3.00% | $609 |
| 36 monthsSame rate as Regular 36 Month Certificate | 3.25% | $1,007 |
| 48 monthsSame rate as Regular 48 Month Certificate | 3.04% | $1,273 |
| 60 monthsSame rate as Regular 60 Month Certificate | 3.04% | $1,615 |
Who can join EP Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.