Credit union · NCUA insured
Essex County Teachers FCU CD Rates
Essex County Teachers FCU’s best CD rate is 3.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Essex County Teachers FCU’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Essex County Teachers FCU has the most branches. $10,000, best rate first.
This credit union’s best
Essex County Teachers FCU
3.25%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $161
Share Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Essex County Teachers FCU CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.25%
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 Essex County Teachers FCU 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.
Share Certificate
Up to 3.25%APY · 5 terms
Designed to be held until maturity. Adding to the certificate or withdrawing funds before the end of the term is not permitted without a penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 90 Days | 3.25% | $161 |
| 12 monthsEarly withdrawal penalty: 90 Days | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty: 90 Days | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty: 180 Days | 2.50% | $769 |
| 60 monthsEarly withdrawal penalty: 180 Days | 2.25% | $1,177 |
Who can join Essex County Teachers FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Excalibur Abstract Company are eligible for membership.
- Employees of Montclair Police FOP are eligible for membership.
Military, government and schools
- Employees of most Boards of Education in Essex County are eligible for membership.
- Employees of the County of Essex are eligible for membership.
- Employees of the New Jersey court system who work in Essex County are eligible for membership.
Family and household
- Household and immediate family members of eligible individuals are eligible for membership.
1 more way to join
Other ways
- Retirees from any of the eligible employee groups are eligible for membership.
Membership information collected October 5, 2026.