Credit union · NCUA insured
Espeeco Federal Credit Union CD Rates
Espeeco Federal Credit Union’s best CD rate is 2.00% APY on a 2-year share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 16, 2026.
How Espeeco Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bakersfield, CA, where Espeeco Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Espeeco Federal Credit Union
2.00%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $404
Term Certificates
Top rate
OceanAir Federal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $321
Espeeco Federal Credit Union CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
- 3–8 months3–8 mo1.25%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo2.00%
- QualifiedQualified2.00%
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 Espeeco 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.
Term Certificates
Up to 2.00%APY · 5 terms
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 1.00% | 1.00% | $25 |
| 6 months | — | 1.25% | 1.25% | $62 |
| 12 months | — | 1.50% | 1.50% | $150 |
| 18 months | — | 1.75% | 1.75% | $264 |
| 24 months | 2.00% | — | 2.00% | $404 |
Sources (1)
- espeeco.org/rates/deposit-rates · captured Sep 16, 2026
Who can join Espeeco Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Affiliation with one of the credit union's Select Employer Groups (SEGs) qualifies for membership.
Family and household
- Immediate family members of an existing member are eligible for membership.
Cost to join
- An opening deposit of $25.00 is required for a share in the credit union.
Membership information collected October 5, 2026.