Eastman Credit Union CD & Share Certificate Rates — October 2026

Also known as ECU, Eastman.

As of October 22, 2026, Eastman Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 180-day CD ($100,000 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.75% to 4.25% APY.

Last verified October 22, 2026 from www.ecu.org · NCUA-insured credit union · Kingsport, TN

Tracking began October 22, 2026.

Best APY4.25%180 days, $100,000 min

vs. Treasury−0.15%same-term Treasury 4.40%

vs. national average3.1×FDIC national average 1.39%

After inflation0.51%CPI 3.7% year over year

$10,000 earns$207over 180 days, before tax

Eastman Credit Union CD & share certificate rates

Eastman Credit Union CD rates
Term	Product	Minimum	APY	vs. Treasury
30 days	Investment Certificate	$100,000	3.80%Verified October 22, 2026	−0.33%
30 days	Investment Certificate	$2,500	3.75%Verified October 22, 2026	−0.38%
90 days	Investment Certificate	$100,000	3.80%Verified October 22, 2026	−0.49%
90 days	Investment Certificate	$2,500	3.75%Verified October 22, 2026	−0.54%
180 days	Investment Certificate	$100,000	4.25%Verified October 22, 2026	−0.15%
180 days	Investment Certificate	$2,500	4.20%Verified October 22, 2026	−0.20%
12 months	Investment Certificate	$100,000	4.05%Verified October 22, 2026	−0.52%
12 months	Investment Certificate	$1,000	4.00%Verified October 22, 2026	−0.57%
12 months	Lifeline Savers Certificate Special	$100	3.75%Verified October 22, 2026	−0.82%
24 months	Investment Certificate	$100,000	4.05%Verified October 22, 2026	−0.82%
24 months	Investment Certificate	$1,000	4.00%Verified October 22, 2026	−0.87%
36 months	Investment Certificate	$100,000	4.05%Verified October 22, 2026	−0.90%
36 months	Investment Certificate	$1,000	4.00%Verified October 22, 2026	−0.95%
48 months	Investment Certificate	$100,000	4.05%Verified October 22, 2026	−0.93%
48 months	Investment Certificate	$1,000	4.00%Verified October 22, 2026	−0.98%
60 months	Investment Certificate	$100,000	4.05%Verified October 22, 2026	−0.96%
60 months	Investment Certificate	$1,000	4.00%Verified October 22, 2026	−1.01%
72 months	Investment Certificate	$100,000	4.05%Verified October 22, 2026	−1.00%
72 months	Investment Certificate	$1,000	4.00%Verified October 22, 2026	−1.05%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Eastman Credit Union's best CD rates by term?

Eastman Credit Union's best rate is 4.25% APY on 180 days, verified October 22, 2026.

30 days3.80%
90 days3.80%
180 days4.25%
12 mo4.05%
24 mo4.05%
36 mo4.05%
48 mo4.05%
60 mo4.05%
72 mo4.05%

Calculate earnings at 4.25% for 180 days

How much interest could a Eastman Credit Union CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
180 days	$102.484.20% APY · Investment Certificate · Standard	$204.964.20% APY · Investment Certificate · Standard	$512.414.20% APY · Investment Certificate · Standard	$1,024.824.20% APY · Investment Certificate · Standard
12 months	$200.004.00% APY · Investment Certificate · Standard	$400.004.00% APY · Investment Certificate · Standard	$1,000.004.00% APY · Investment Certificate · Standard	$2,000.004.00% APY · Investment Certificate · Standard
24 months	$408.004.00% APY · Investment Certificate · Standard	$816.004.00% APY · Investment Certificate · Standard	$2,040.004.00% APY · Investment Certificate · Standard	$4,080.004.00% APY · Investment Certificate · Standard
60 months	$1,083.264.00% APY · Investment Certificate · Standard	$2,166.534.00% APY · Investment Certificate · Standard	$5,416.324.00% APY · Investment Certificate · Standard	$10,832.654.00% APY · Investment Certificate · Standard

How Eastman Credit Union compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 180-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 1 of 4 tracked institutions with fresh 180-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Eastman Credit Union CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Eastman Credit Union (this institution) (highest tracked APY for this term)Investment Certificate · Standard	180 days	$100,000	Coverage: TN, TX, VA	4.25%	October 22, 2026
Huntington BankJumbo Fixed Rate CD · Standard	180 days	$100,000	Memphis, TN · ZIP 38119	0.25%	October 22, 2026
Treasury (APY-equivalent)	180 days (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.40%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Eastman Credit Union on October 22, 2026.

About Eastman Credit Union

Legal name: Eastman Credit Union
Regulator ID: NCUA 68095
Headquarters: Kingsport, TN
Available in: TN, TX, VA
Total assets: $10.2 billion
Also known as: ECU, Eastman
Website: www.ecu.org

Source: rates read from https://www.ecu.org/plan-invest/investment-certificates. See the page text we read.

Frequently asked questions

What is the highest CD rate at Eastman Credit Union?

Among the rates we track, 4.25% APY on a 180-day CD, as of October 22, 2026.

What is the minimum deposit for a Eastman Credit Union CD?

The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $100,000.

How does Eastman Credit Union's best CD rate compare with Treasury yields?

4.25% APY is −0.15% versus the 180-day Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.25% a good CD rate?

It is 3.1 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Eastman Credit Union CDs insured?

Eastman Credit Union is a federally insured credit union (NCUA 68095). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at Eastman Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check Eastman Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from Eastman Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Eastman Credit Union before opening an account. This page is not financial advice.