Credit union · NCUA insured
ESL Federal Credit Union CD Rates
ESL Federal Credit Union’s best CD rate is 4.00% APY on a 7-month share certificate (CD). Terms run from 1 month to 10 years. Rates checked October 16, 2026.
How ESL Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where ESL Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ESL Federal Credit Union
3.75%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $217
Certificate – Fixed Rate
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
ESL Federal Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo0.12%
- 16–30 months16–30 mo0.12%
- 31–60 months31–60 mo0.15%
- QualifiedQualified3.75%
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 ESL 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.
Jumbo Certificate
Up to 4.00%APY · 11 terms
Minimum opening balance and balance to obtain APY is $100,000. Compounding frequency is none for 30-day to 360-day terms and quarterly for terms of 24 months or greater. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 30 days | 0.10% | — |
| 2 monthsTerm is 60 days | 0.10% | — |
| 3 monthsTerm is 90 days | 0.15% | — |
| 6 monthsTerm is 180 days | 0.15% | — |
| 7 monthsTerm is 210 days | 4.00% | — |
| 12 monthsTerm is 360 days | 0.15% | — |
| 18 months | 0.15% | — |
| 24 months | 0.15% | — |
| 36 months | 0.20% | — |
| 48 months | 0.20% | — |
| 60 months | 0.20% | — |
Certificate – Fixed Rate
Up to 3.75%APY · 16 terms
Minimum opening balance is $1,000 for terms less than 45 days (31-day term) and $500 for terms greater than 45 days. Compounding frequency is quarterly for 3-month to 120-month terms and none for the 31-day term. Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthTerm is 31 days | — | 0.05% | 0.05% | $0 |
| 3 months | 0.10% | — | 0.10% | $2 |
| 6 months | 0.10% | — | 0.10% | $5 |
| 7 months | 3.75% | — | 3.75% | $217 |
| 9 months | 0.10% | — | 0.10% | $7 |
| 12 months | 0.12% | — | 0.12% | $12 |
| 18 months | 0.12% | — | 0.12% | $18 |
| 24 months | 0.12% | — | 0.12% | $24 |
| 36 months | 0.15% | — | 0.15% | $45 |
| 48 months | 0.15% | — | 0.15% | $60 |
| 60 months | 0.15% | — | 0.15% | $75 |
| 72 months | 0.25% | — | 0.25% | $151 |
| 84 months | 0.30% | — | 0.30% | $212 |
| 96 months | 0.35% | — | 0.35% | $283 |
| 108 months | 0.40% | — | 0.40% | $366 |
| 120 months | 0.40% | — | 0.40% | $407 |
Call Certificate
Up to 0.20%APY · 2 terms
Minimum opening deposit and balance to obtain APY is $500. Guaranteed APY for the initial 6 months of the 24-month term or 12 months of the 60-month term. Thereafter, ESL may call the certificate once every six months; if not called, the original APY remains fixed for each six-month period. Early withdrawal penalty is 180 days of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsGuaranteed APY for the initial 6 months, after which ESL may call the certificate once every 6 months | 0.15% | $30 |
| 60 monthsGuaranteed APY for the initial 12 months, after which ESL may call the certificate once every 6 months | 0.20% | $100 |
Special-purpose accounts
Jumbo IRA Certificate
Up to 4.00%APY · 11 terms
Minimum opening deposit and balance to obtain APY is $100,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 30 days jumbo | 0.10% | — |
| 2 monthsTerm is 60 days jumbo | 0.10% | — |
| 3 monthsTerm is 90 days jumbo | 0.15% | — |
| 6 monthsTerm is 180 days jumbo | 0.15% | — |
| 7 monthsTerm is 210 days jumbo | 4.00% | — |
| 12 monthsTerm is 360 days jumbo | 0.15% | — |
| 18 months | 0.15% | — |
| 24 months | 0.15% | — |
| 36 months | 0.20% | — |
| 48 months | 0.20% | — |
| 60 months | 0.20% | — |
Sources (3)
- esl.org/personal/resources-tools/rates/iras
- esl.org/personal/savings/iras/roth-ira
- esl.org/personal/savings/iras/traditional-ira
All captured Oct 5, 2026
IRA Certificate - Fixed Rates
Up to 3.75%APY · 15 terms
Applies to Traditional, Roth, and Coverdell Education IRAs. Minimum balance to open account and obtain APY is $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 31 days | 0.05% | $0 |
| 6 months | 0.10% | $5 |
| 7 months | 3.75% | $217 |
| 9 months | 0.10% | $7 |
| 12 months | 0.12% | $12 |
| 18 months | 0.12% | $18 |
| 24 months | 0.12% | $24 |
| 36 months | 0.15% | $45 |
| 48 months | 0.15% | $60 |
| 60 months | 0.15% | $75 |
| 72 months | 0.25% | $151 |
| 84 months | 0.30% | $212 |
| 96 months | 0.35% | $283 |
| 108 months | 0.40% | $366 |
| 120 months | 0.40% | $407 |
Sources (3)
- esl.org/personal/resources-tools/rates/iras
- esl.org/personal/savings/iras/roth-ira
- esl.org/personal/savings/iras/traditional-ira
All captured Oct 5, 2026
Who can join ESL Federal Credit Union
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