Educational Systems Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Educational Systems Federal Credit Union's highest tracked CD (share certificate) rate is 4.65% APY on an 18-month relationship CD ($100,000 minimum). That is 3.0 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.00% to 4.60% APY.
Tracking began .
With $10,000 and no relationship requirement: 4.55% on 18 months
Educational Systems Federal Credit Union CD & share certificate rates
Membership required. Certificates from 3 to 60 months ($500) and Jumbo certificates ($100,000), each with a standard APY and a higher Star Member APY; the 11-month promotional rate requires $1,000 in new money. Dividends compound quarterly. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Star Member Jumbo Certificate Relationship | $100,000 | 3.10% | −1.19% | Top 38% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Star Member Certificate Relationship | $500 | 3.05% | −1.25% | Top 39% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Jumbo Certificate | $100,000 | 3.05% | −1.25% | Top 39% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Certificate | $500 | 3.00% | −1.29% | Top 47% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Star Member Jumbo Certificate Relationship | $100,000 | 3.80% | −0.60% | Top 26% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Star Member Certificate Relationship | $500 | 3.75% | −0.65% | Top 32% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Jumbo Certificate | $100,000 | 3.75% | −0.65% | Top 32% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate | $500 | 3.70% | −0.70% | Top 35% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Star Member Jumbo Certificate Relationship | $100,000 | 4.30% | −0.18% | Top 8% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Star Member Certificate Relationship | $500 | 4.25% | −0.23% | Top 11% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Jumbo Certificate | $100,000 | 4.25% | −0.23% | Top 11% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Certificate | $500 | 4.20% | −0.28% | Top 13% of tracked 9-month CDs · Verified October 22, 2026 |
| 11 months | Star Member Jumbo Certificate - 11-Month Promotional Relationship | $100,000 | 4.60% | +0.06% | Verified October 22, 2026 |
| 11 months | Star Member Certificate - 11-Month Promotional Relationship | $1,000 | 4.55% | +0.01% | Verified October 22, 2026 |
| 11 months | Jumbo Certificate - 11-Month Promotional Promotional | $100,000 | 4.55% | +0.01% | Verified October 22, 2026 |
| 11 months | Certificate - 11-Month Promotional Promotional | $1,000 | 4.50% | −0.04% | Verified October 22, 2026 |
| 12 months | Star Member Jumbo Certificate Relationship | $100,000 | 4.35% | −0.22% | Top 8% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Star Member Certificate Relationship | $500 | 4.30% | −0.27% | Top 10% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Jumbo Certificate | $100,000 | 4.30% | −0.27% | Top 10% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $500 | 4.25% | −0.32% | Top 12% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Star Member Jumbo Certificate Relationship | $100,000 | 4.65% | −0.07% | Top 1% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Star Member Certificate Relationship | $500 | 4.60% | −0.12% | Top 2% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Jumbo Certificate | $100,000 | 4.60% | −0.12% | Top 2% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate | $500 | 4.55% | −0.17% | Top 2% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Star Member Jumbo Certificate Relationship | $100,000 | 4.20% | −0.67% | Top 15% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Star Member Certificate Relationship | $500 | 4.15% | −0.72% | Top 16% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Jumbo Certificate | $100,000 | 4.15% | −0.72% | Top 16% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $500 | 4.10% | −0.77% | Top 18% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Star Member Jumbo Certificate Relationship | $100,000 | 4.25% | −0.70% | Top 11% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Star Member Certificate Relationship | $500 | 4.20% | −0.75% | Top 11% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Jumbo Certificate | $100,000 | 4.20% | −0.75% | Top 11% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate | $500 | 4.15% | −0.80% | Top 12% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Star Member Jumbo Certificate Relationship | $100,000 | 4.05% | −0.93% | Top 15% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Star Member Certificate Relationship | $500 | 4.00% | −0.98% | Top 17% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Jumbo Certificate | $100,000 | 4.00% | −0.98% | Top 17% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $500 | 3.95% | −1.03% | Top 19% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Star Member Jumbo Certificate Relationship | $100,000 | 4.10% | −0.91% | Top 16% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Star Member Certificate Relationship | $500 | 4.05% | −0.96% | Top 17% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Jumbo Certificate | $100,000 | 4.05% | −0.96% | Top 17% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $500 | 4.00% | −1.01% | Top 21% of tracked 60-month CDs · Verified October 22, 2026 |
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.
Watch the renewal rate
The best promotional rate here is 4.55% APY (11 months). The standard rate for a similar term is 4.30% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $25 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Educational Systems Federal Credit Union's best CD rates by term?
Educational Systems Federal Credit Union's best rate is 4.65% APY on 18 months, verified October 22, 2026.
- 3 mo3.10%
- 6 mo3.80%
- 9 mo4.30%
- 11 mo4.60%
- 12 mo4.35%
- 18 mo4.65%
- 24 mo4.20%
- 36 mo4.25%
- 48 mo4.05%
- 60 mo4.10%
How much interest could a Educational Systems Federal 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.
$698.53 interest · $10,698.53 at maturity on $10,000.00.
4.60% APY · 18 months · Star Member Certificate · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $37.593.05% APY · Star Member Certificate · Relationship | $75.193.05% APY · Star Member Certificate · Relationship | $187.963.05% APY · Star Member Certificate · Relationship | $375.933.05% APY · Star Member Certificate · Relationship |
| 6 months | $93.143.75% APY · Star Member Certificate · Relationship | $186.293.75% APY · Star Member Certificate · Relationship | $465.723.75% APY · Star Member Certificate · Relationship | $931.443.75% APY · Star Member Certificate · Relationship |
| 9 months | $158.694.25% APY · Star Member Certificate · Relationship | $317.384.25% APY · Star Member Certificate · Relationship | $793.454.25% APY · Star Member Certificate · Relationship | $1,586.904.25% APY · Star Member Certificate · Relationship |
| 11 months | $208.424.55% APY · Star Member Certificate - 11-Month Promotional · Relationship | $416.834.55% APY · Star Member Certificate - 11-Month Promotional · Relationship | $1,042.094.55% APY · Star Member Certificate - 11-Month Promotional · Relationship | $2,084.174.55% APY · Star Member Certificate - 11-Month Promotional · Relationship |
| 12 months | $215.004.30% APY · Star Member Certificate · Relationship | $430.004.30% APY · Star Member Certificate · Relationship | $1,075.004.30% APY · Star Member Certificate · Relationship | $2,150.004.30% APY · Star Member Certificate · Relationship |
| 18 months | $349.274.60% APY · Star Member Certificate · Relationship | $698.534.60% APY · Star Member Certificate · Relationship | $1,746.344.60% APY · Star Member Certificate · Relationship | $3,492.674.60% APY · Star Member Certificate · Relationship |
| 24 months | $423.614.15% APY · Star Member Certificate · Relationship | $847.224.15% APY · Star Member Certificate · Relationship | $2,118.064.15% APY · Star Member Certificate · Relationship | $4,236.114.15% APY · Star Member Certificate · Relationship |
| 36 months | $656.834.20% APY · Star Member Certificate · Relationship | $1,313.664.20% APY · Star Member Certificate · Relationship | $3,284.154.20% APY · Star Member Certificate · Relationship | $6,568.304.20% APY · Star Member Certificate · Relationship |
| 48 months | $849.294.00% APY · Star Member Certificate · Relationship | $1,698.594.00% APY · Star Member Certificate · Relationship | $4,246.464.00% APY · Star Member Certificate · Relationship | $8,492.934.00% APY · Star Member Certificate · Relationship |
| 60 months | $1,097.904.05% APY · Star Member Certificate · Relationship | $2,195.804.05% APY · Star Member Certificate · Relationship | $5,489.514.05% APY · Star Member Certificate · Relationship | $10,979.024.05% APY · Star Member Certificate · Relationship |
How Educational Systems Federal 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 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 295 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Educational Systems Federal Credit Union (this institution)Star Member Jumbo Certificate · Relationship | 18 months | $100,000 | Membership required · branches in MD | 4.65% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit UnionSpecial Share Certificate · Special | 18 months | $500 | Membership required · branches in MD | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Educational Systems Federal Credit Union on October 22, 2026.
About Educational Systems Federal Credit Union
- Legal name
- Educational Systems Federal Credit Union
- Regulator ID
- NCUA 10696
- Headquarters
- Greenbelt, MD
- Available in
- MD
- Total assets
- $1.4 billion
- Also known as
- ESFCU
- Website
- www.esfcu.org
Source: rates read from https://www.esfcu.org/accounts/savings/certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Educational Systems Federal Credit Union?
Among the rates we track, 4.65% APY on an 18-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Educational Systems Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Educational Systems Federal Credit Union's best CD rate compare with Treasury yields?
4.65% APY is −0.07% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.65% a good CD rate?
It is 3.0 times the FDIC national average for a similar term (1.55% 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 Educational Systems Federal Credit Union CDs insured?
Educational Systems Federal Credit Union is a federally insured credit union (NCUA 10696). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Educational Systems Federal 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 Educational Systems Federal 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 Educational Systems Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Educational Systems Federal Credit Union before opening an account. This page is not financial advice.