# Educational Employees Credit Union CD and share certificate rates

As of October 22, 2026, Educational Employees Credit Union's highest tracked CD (share certificate) rate is 3.76% APY on a 36-month CD ($100,000 minimum). That is 2.7 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 2.80% to 3.76% APY.

Canonical page: https://apyledger.com/cd-rates/educational-employees-credit-union
Institution: Educational Employees Credit Union (NCUA 60520)
Aliases: EECU
Status: live
Last verified: 2026-10-22T16:22:01.000Z (October 22, 2026)
Official source: https://www.myeecu.org/accounts/savings/certificates-iras/share-ira-certificates
Coverage: Membership required. Share and IRA certificates from 91 days to five years, with separate APYs for $500, $10,000, $50,000 and $100,000 opening balances. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 91 days | $100,000 | 2.95% | Not ZIP-priced | −1.34% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 91 days | $50,000 | 2.90% | Not ZIP-priced | −1.40% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 91 days | $10,000 | 2.85% | Not ZIP-priced | −1.44% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 91 days | $500 | 2.80% | Not ZIP-priced | −1.50% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 6 months | $100,000 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 6 months | $50,000 | 3.20% | Not ZIP-priced | −1.20% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 6 months | $10,000 | 3.15% | Not ZIP-priced | −1.25% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 6 months | $500 | 3.10% | Not ZIP-priced | −1.30% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 12 months | $100,000 | 3.56% | Not ZIP-priced | −1.01% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 12 months | $50,000 | 3.51% | Not ZIP-priced | −1.06% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 12 months | $10,000 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 12 months | $500 | 3.40% | Not ZIP-priced | −1.17% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 18 months | $100,000 | 3.66% | Not ZIP-priced | −1.06% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 18 months | $50,000 | 3.61% | Not ZIP-priced | −1.11% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 18 months | $10,000 | 3.56% | Not ZIP-priced | −1.16% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 18 months | $500 | 3.51% | Not ZIP-priced | −1.21% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 24 months | $100,000 | 3.71% | Not ZIP-priced | −1.16% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 24 months | $50,000 | 3.66% | Not ZIP-priced | −1.21% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 24 months | $10,000 | 3.61% | Not ZIP-priced | −1.26% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 24 months | $500 | 3.56% | Not ZIP-priced | −1.31% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 36 months | $100,000 | 3.76% | Not ZIP-priced | −1.19% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 36 months | $50,000 | 3.71% | Not ZIP-priced | −1.24% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 36 months | $10,000 | 3.66% | Not ZIP-priced | −1.29% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |
| Share Certificate | standard | 36 months | $500 | 3.61% | Not ZIP-priced | −1.34% | 2026-10-22T16:22:01.000Z | [Snapshot 343](https://apyledger.com/snapshots/343) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.