York Educational Federal Credit Union CD Rates

How York Educational Federal Credit Union’s CD rates compare

Compared with banks and credit unions near York, PA, where York Educational Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
York Educational Federal Credit Union
4.00%APY
Term
12 months
Requires
None
Minimum
$500
Earns on $10,000
$400
Share Certificate
Top rate
Woodforest National Bank
4.25%APY
Term
9 months
Requires
None
Minimum
$500
Earns on $10,000
$317
Woodforest National Bank rates
2nd-highest rate
Wells Fargo
4.25%APY
Term
11 months
Requires
Another account
Minimum
$5,000
Earns on $10,000
$389
Wells Fargo rates

Compare CD rates near you →

CD score

Higher than 31% of U.S. banks and credit unions

By term

3–8 months3–8 mo0.75%
9–15 months9–15 mo4.00%
16–30 months16–30 mo2.02%
31–60 months31–60 mo2.46%
QualifiedQualified4.00%

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.

How the score works →

Where York Educational 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 Certificate

Up to 4.00%APY · 5 termsPromotionalFrom $500 to open

Minimum balance is $500. Early withdrawal penalty applies: 90 days of dividends for 6 and 12 month certificates, and 180 days of dividends for 18, 24, and 48 month certificates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsDividends compounded monthly. Early withdrawal penalty: 90 days of dividends	0.75%	$37
12 monthsDividends compounded quarterly. Early withdrawal penalty: 90 days of dividends	1.01%	$101
12 monthsSpecial CD Rate. Dividends compounded quarterly. Early withdrawal penalty: 90 days of dividends	4.00%	$400
18 monthsDividends compounded quarterly. Early withdrawal penalty: 180 days of dividends	1.45%	$218
24 monthsDividends compounded quarterly. Early withdrawal penalty: 180 days of dividends	2.02%	$408
48 monthsDividends compounded quarterly. Early withdrawal penalty: 180 days of dividends	2.46%	$1,019

Sources (3)

All captured Sep 17, 2026

Special-purpose accounts

IRA Share Certificate

Up to 2.46%APY · 4 termsIRAFrom $250 to open

Designed for a one-time deposit. Minimum deposit is $250. Rates are locked in for the length of the maturity period and dividends are compounded quarterly. Early withdrawal penalty: 90 days of dividends for 12 month certificates, and 180 days of dividends for all other terms. A $10.00 penalty is imposed on all IRA accounts withdrawn for transfer to another financial institution.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsEarly withdrawal penalty: 90 days of dividends. $10.00 transfer penalty applies if withdrawn for transfer to another financial institution	1.01%	$101
18 monthsEarly withdrawal penalty: 180 days of dividends. $10.00 transfer penalty applies if withdrawn for transfer to another financial institution	1.45%	$218
24 monthsEarly withdrawal penalty: 180 days of dividends. $10.00 transfer penalty applies if withdrawn for transfer to another financial institution	2.02%	$408
48 monthsEarly withdrawal penalty: 180 days of dividends. $10.00 transfer penalty applies if withdrawn for transfer to another financial institution	2.46%	$1,019

Sources (2)

All captured Sep 17, 2026

Who can join York Educational Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

Membership is open to employees of participating businesses and organizations in the York, PA area.
Membership is open to members of participating community organizations and churches.

Military, government and schools

Membership is open to employees of participating school districts and educational institutions in the York, PA area.
Membership is open to students and members of participating school-related entities and educational organizations.

Family and household

Membership is open to family members of eligible individuals and employees of participating entities.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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