Credit union · NCUA insured
EPB EMPLOYEES CREDIT UNION CD Rates
EPB EMPLOYEES CREDIT UNION’s best CD rate is 3.95% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How EPB EMPLOYEES CREDIT UNION’s CD rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where EPB EMPLOYEES CREDIT UNION has the most branches. $10,000, best rate first.
This credit union’s best
EPB EMPLOYEES CREDIT UNION
3.95%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $196
Certificates
Top rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,769
2nd-highest rate
Tennessee Valley Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
EPB EMPLOYEES CREDIT UNION CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.95%
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 EPB 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.
Certificates
Up to 3.95%APY · 7 terms
Must maintain a Primary Share account in addition to the certificate. Minimum balance of $1,500 must be on deposit at all times. Automatically renews for a like term at maturity with a 10-day grace period. Early withdrawal subject to a 90-day dividend penalty (for 3-month to 2-year certificates) or a 120-day dividend penalty (for 2 1/2-year or 3-year certificates). Rates reflect quarterly compounding; monthly withdrawal of interest results in a lower yield.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty | 0.10% | $2 |
| 6 monthsRates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty | 3.95% | $196 |
| 12 monthsRates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty | 3.75% | $375 |
| 18 monthsRates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty | 3.75% | $568 |
| 24 monthsRates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty | 3.50% | $712 |
| 30 monthsRates reflect quarterly compounding. Early withdrawal subject to 120-day dividend penalty | 3.95% | $1,017 |
| 36 monthsRates reflect quarterly compounding. Early withdrawal subject to 120-day dividend penalty | 3.00% | $927 |
Special-purpose accounts
IRA Certificate Plan
3.00%APY
Allows earning a fixed dividend rate for a set term while keeping funds in an IRA. May be an option for members looking to transfer or roll over eligible retirement funds. Subject to IRS rules, contribution limits, and taxes/penalties. Rates reflect quarterly compounding; monthly withdrawal of interest results in a lower yield. Premature withdrawal of principal will result in an interest penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFixed dividend rate for a set term. Rates reflect quarterly compounding. Monthly withdrawal of interest results in lower yield. Premature withdrawal subject to interest penalty.Any balance | 3.00% | $300 | Fixed dividend rate for a set term. Rates reflect quarterly compounding. Monthly withdrawal of interest results in lower yield. Premature withdrawal subject to interest penalty. |
Who can join EPB EMPLOYEES CREDIT UNION
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of current contractors of EPB & TAW are eligible for membership.
- Employees of the EPB Employees Credit Union are eligible for membership.
- Employees of EPB & TAW are eligible for membership.
- Retirees of EPB & TAW are eligible for membership.
Family and household
- Family of employees of EPB Employees Credit Union are eligible for membership.
- Family members (grandparents, parents, siblings, children, and grandchildren) of employees or retirees of EPB & TAW are eligible for membership.
Cost to join
- For babies up to six months of age, joining is free: the $1 processing fee is waived and the Credit Union starts the share account with the first $30.
- A one dollar processing fee is required for membership/ownership.
- A minimum initial deposit of $30 (6 shares at $5 par value each) into a primary share account is required for membership/ownership.
Membership information collected October 5, 2026.