Credit union · NCUA insured
Evansville Federal Credit Union CD Rates
Top CarrotEvansville Federal Credit Union’s best CD rate is 3.30% APY on an 8-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Evansville Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Evansville, IN, where Evansville Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Evansville Federal Credit Union
3.30%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $219
Share Certificates
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
Evansville Federal Credit Union CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.30%
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 Evansville 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.
Share Certificates
Up to 3.30%APY · 10 terms
Early withdrawal penalty of 90 days of earned or unearned interest. Dividends paid on a 365-day year. Dividends can be compounded or paid monthly to an EFCU share account. Federally insured by NCUA to at least $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 1.26% | $31 |
| 6 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 2.53% | $126 |
| 8 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.30% | $219 |
| 12 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $325 |
| 18 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $491 |
| 24 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $660 |
| 30 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $832 |
| 36 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $1,006 |
| 48 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.04% | $1,273 |
| 60 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.04% | $1,616 |
Sources (2)
All captured Oct 5, 2026
Save to Win
3.25%APY · 1 term
Special CD that gives chances to win $5,000 quarterly prizes plus monthly cash prizes. Every $25 deposit earns one entry (up to 100 chances monthly). Early withdrawal penalty of 90 days of earned or unearned interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEvery $25 deposit gets another chance to win (up to 100 chances per month). Early withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $325 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 3.25%APY · 9 terms
Available as Roth IRA, Traditional IRA, or Education Savings Account (Coverdell). Protected by NCUA to at least $250,000. Early withdrawal penalty of 90 days of earned or unearned interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 1.26% | $31 |
| 6 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 2.53% | $126 |
| 12 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $325 |
| 18 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $491 |
| 24 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $660 |
| 30 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $832 |
| 36 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.25% | $1,006 |
| 48 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.04% | $1,273 |
| 60 monthsEarly withdrawal penalty of 90 days of earned or unearned interest | 3.04% | $1,616 |
Sources (2)
All captured Oct 5, 2026
Who can join Evansville 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
- Membership is open to persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in, Vanderburgh County (IN), Posey County (IN), Gibson County (IN), Warrick County (IN), or Henderson County (KY).
Family and household
- Membership is open to members of the immediate family or household of an existing member or existing member of a qualifying community.
- Membership is open to spouses of persons who died while within the field of membership of this credit union.
Other ways
- Membership is open to persons who were members of this credit union as of April 19, 2002.
- Membership is open to individuals who volunteer in the community.
Cost to join
- A $5 minimum balance in a savings (share) account is required for membership and voting privileges.
Membership information collected October 5, 2026.