Credit union · NCUA insured
EPIC Federal Credit Union CD Rates
EPIC Federal Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How EPIC Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New Orleans, LA, where EPIC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
EPIC Federal Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $425
Stars & Stripes Share Certificate (CD) Special
Top rate
IRFCU
4.58%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $226
2nd-highest rate
New Orleans Firemen's Federal Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $920
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Stars & Stripes Share Certificate (CD) Special
4.25%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
Sources (1)
- epicfcu.com · captured Oct 16, 2026
Term Share Certificates
Up to 3.80%APY · 5 terms
Regular Tier Share Certificates have tiered rates based on total balances in all savings accounts (except IRAs)
| Term | APY · $1,000 – $50,000 | APY · $5,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 3.60% | — | 3.65% | 3.70% | 3.60%3.65% $50k–$100k3.70% from $100k | $178 |
| 12–18 months | 3.80% | — | 3.85% | 3.90% | 3.80%3.85% $50k–$100k3.90% from $100k | $380 |
| 24 months | 3.65% | — | 3.70% | 3.75% | 3.65%3.70% $50k–$100k3.75% from $100k | $743 |
| 36 months | — | 3.00% | 3.10% | 3.20% | 3.00%3.10% $50k–$100k3.20% from $100k | $927 |
| 60 months | — | 2.95% | 3.05% | 3.65% | 2.95%3.05% $50k–$100k3.65% from $100k | $1,565 |
Sources (3)
- epicfcu.com/savings-and-loan-rates
- epicfcu.com/accounts/cds-investments/cds
- epicfcu.com/accounts/cds-investments/certificates
All captured Oct 16, 2026
Special-purpose accounts
Youth Share Certificate (CD) / EPIC Savers Youth Share Certificates
5.00%APY · 1 term
For Ages 18 & Under. Membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum deposit to open $500.00. Maximum deposit to earn 5.00% APY is $1,000.00 | 5.00% | — |
Sources (4)
- epicfcu.com
- epicfcu.com/savings-and-loan-rates
- epicfcu.com/accounts/cds-investments/cds
- epicfcu.com/accounts/cds-investments/certificates
All captured Oct 16, 2026
IRA Certificate
Up to 0.35%APY · 2 terms
IRA accounts may be subject to an annual maintenance fee and/or early withdrawal fees.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 0.30% | 0.33% | 0.35% | 0.30%0.33% $50k–$100k0.35% from $100k | $30 |
| 24 months | 0.35% | 0.37% | 0.39% | 0.35%0.37% $50k–$100k0.39% from $100k | $70 |
Sources (2)
All captured Oct 16, 2026
Who can join EPIC Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Orleans Parish are eligible to join.
Employers and groups
- Employees and members of the original field of membership in the communications industry are eligible for membership.
- Employees and members of additional business partner companies are eligible for membership.
Family and household
- Family members of current members are eligible to join.
Cost to join
- A $5.00 share deposit is required to open a share savings account and maintain membership.
- A one-time membership fee of $5.00 is required upon joining.
Membership information collected October 5, 2026.