Credit union · NCUA insured
Post Office Employees Credit Union CD Rates
Top CarrotPost Office Employees Credit Union’s best CD rate is 4.33% APY on a 6-month share certificate (CD), with extra requirements. Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Post Office Employees Credit Union’s CD rates compare
Compared with banks and credit unions near New Orleans, LA, where Post Office Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Post Office Employees Credit Union
4.33%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $214
Certificate of Deposit
Top rate
IRFCU
4.58%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $226
2nd-highest rate
New Orleans Firemen's Federal Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $920
Post Office Employees Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo4.07%
- QualifiedQualified4.07%
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 Post Office Employees 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.
Certificate of Deposit
Up to 4.33%APY · 3 terms
Minimum deposit of $1,000 to open a Certificate of Deposit. Dividends are paid monthly. Rate boosts available via CD Loyalty Special / Reward Qualifications: +0.50% dividend rate for active Visa (open/active 90 days, min 2 transactions/mo over previous 3 mos), +0.50% dividend rate for active Checking (open/active 90 days, min 4 transactions/mo over previous 3 mos), and +0.25% dividend rate for enrolling in e-Statements on or before opening CD (max loyalty reward = 1.25%).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBase Rate | 3.04% | $151 |
| 6 monthsBase Rate + 0.25% (e.g. enroll in e-Statements on or before opening CD) | 3.30% | $164 |
| 6 monthsBase Rate + 0.50% (e.g. active Visa or active Checking account parameters) | 3.56% | $176 |
| 6 monthsBase Rate + 0.75% (e.g. active account parameters + e-Statements) | 3.82% | $189 |
| 6 monthsBase Rate + 1.00% (e.g. active Visa and active Checking account parameters) | 4.07% | $201 |
| 6 monthsBase Rate + 1.25% (active Visa, active Checking, and enrolled in e-Statements) | 4.33% | $214 |
| 12 monthsBase Rate | 3.04% | $304 |
| 12 monthsBase Rate + 0.25% (e.g. enroll in e-Statements on or before opening CD) | 3.30% | $330 |
| 12 monthsBase Rate + 0.50% (e.g. active Visa or active Checking account parameters) | 3.56% | $356 |
| 12 monthsBase Rate + 0.75% (e.g. active account parameters + e-Statements) | 3.82% | $382 |
| 12 monthsBase Rate + 1.00% (e.g. active Visa and active Checking account parameters) | 4.07% | $407 |
| 12 monthsBase Rate + 1.25% (active Visa, active Checking, and enrolled in e-Statements) | 4.33% | $433 |
| 24 monthsBase Rate | 2.78% | $564 |
| 24 monthsBase Rate + 0.25% (e.g. enroll in e-Statements on or before opening CD) | 3.04% | $617 |
| 24 monthsBase Rate + 0.50% (e.g. active Visa or active Checking account parameters) | 3.30% | $671 |
| 24 monthsBase Rate + 0.75% (e.g. active account parameters + e-Statements) | 3.56% | $725 |
| 24 monthsBase Rate + 1.00% (e.g. active Visa and active Checking account parameters) | 3.82% | $779 |
| 24 monthsBase Rate + 1.25% (active Visa, active Checking, and enrolled in e-Statements) | 4.07% | $831 |
Sources (1)
- poecu.org/cds-iras · captured Sep 18, 2026
Who can join Post Office Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Those who live, work, worship, or attend school anywhere in the city of Covington, LA are eligible for membership.
- Persons who live, work, worship, or attend school in the 5th Council District of Jefferson Parish are eligible for membership.
Employers and groups
- Persons who are licensed or employed by the Louisiana State Board of Barber Examiners or Louisiana State Board of Cosmetology in Baton Rouge, Louisiana are eligible for membership.
- Persons who are employed by one of the listed Member Employer offices (or AFSCME Local 2349 members in good standing) are eligible for membership.
- An employee of POECU is eligible for membership.
- Members in good standing of UFCW Local 496 in Metairie, LA (the union for Barbers & Cosmetologists) are eligible for membership.
7 more ways to join
Military, government and schools
- Employees (and their family) of the U. S. Department of Homeland Security who work permanently in the New Orleans (South Central) CMC Region (LA, AL, AR, TN, and MS) are eligible for membership.
- Employees (and their family) of the United States Postal Service headquartered in (paid through) the New Orleans office are eligible for membership.
- Employees of all U. S. Governmental Agencies in this CMC Region whose activities or functions are associated in any manner with those of Homeland Security personnel (except those eligible for membership in another credit union by virtue of employment) are eligible for membership.
Family and household
- Members of the immediate families and organizations of eligible persons are eligible for membership.
- An immediate family member of a POECU member is eligible for membership.
Other ways
- A person retired as a pensioner or annuitant from the list of Member Employers is eligible for membership.
- The widow or widower of a person who died while in the field of membership of the Homeland Federal Credit Union (formerly USCFCU) is eligible for membership.
Membership information collected October 5, 2026.