# Educational Systems Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/educational-systems-federal-credit-union
Institution: Educational Systems Federal Credit Union (NCUA 10696)
Aliases: ESFCU
Status: live
Last verified: 2026-10-23T02:09:49.000Z (October 22, 2026)
Official source: https://www.esfcu.org/accounts/savings/certificates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Star Member Jumbo Certificate | relationship | 3 months | $100,000 | 3.10% | Not ZIP-priced | −1.19% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate | relationship | 3 months | $500 | 3.05% | Not ZIP-priced | −1.25% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate | standard | 3 months | $100,000 | 3.05% | Not ZIP-priced | −1.25% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate | standard | 3 months | $500 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Jumbo Certificate | relationship | 6 months | $100,000 | 3.80% | Not ZIP-priced | −0.60% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate | relationship | 6 months | $500 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate | standard | 6 months | $100,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate | standard | 6 months | $500 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Jumbo Certificate | relationship | 9 months | $100,000 | 4.30% | Not ZIP-priced | −0.18% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate | relationship | 9 months | $500 | 4.25% | Not ZIP-priced | −0.23% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate | standard | 9 months | $100,000 | 4.25% | Not ZIP-priced | −0.23% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate | standard | 9 months | $500 | 4.20% | Not ZIP-priced | −0.28% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Jumbo Certificate - 11-Month Promotional | relationship | 11 months | $100,000 | 4.60% | Not ZIP-priced | +0.06% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate - 11-Month Promotional | relationship | 11 months | $1,000 | 4.55% | Not ZIP-priced | +0.01% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate - 11-Month Promotional | promotional | 11 months | $100,000 | 4.55% | Not ZIP-priced | +0.01% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate - 11-Month Promotional | promotional | 11 months | $1,000 | 4.50% | Not ZIP-priced | −0.04% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Jumbo Certificate | relationship | 12 months | $100,000 | 4.35% | Not ZIP-priced | −0.22% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate | relationship | 12 months | $500 | 4.30% | Not ZIP-priced | −0.27% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate | standard | 12 months | $100,000 | 4.30% | Not ZIP-priced | −0.27% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate | standard | 12 months | $500 | 4.25% | Not ZIP-priced | −0.32% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Jumbo Certificate | relationship | 18 months | $100,000 | 4.65% | Not ZIP-priced | −0.07% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate | relationship | 18 months | $500 | 4.60% | Not ZIP-priced | −0.12% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate | standard | 18 months | $100,000 | 4.60% | Not ZIP-priced | −0.12% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate | standard | 18 months | $500 | 4.55% | Not ZIP-priced | −0.17% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Jumbo Certificate | relationship | 24 months | $100,000 | 4.20% | Not ZIP-priced | −0.67% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate | relationship | 24 months | $500 | 4.15% | Not ZIP-priced | −0.72% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate | standard | 24 months | $100,000 | 4.15% | Not ZIP-priced | −0.72% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate | standard | 24 months | $500 | 4.10% | Not ZIP-priced | −0.77% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Jumbo Certificate | relationship | 36 months | $100,000 | 4.25% | Not ZIP-priced | −0.70% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate | relationship | 36 months | $500 | 4.20% | Not ZIP-priced | −0.75% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate | standard | 36 months | $100,000 | 4.20% | Not ZIP-priced | −0.75% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate | standard | 36 months | $500 | 4.15% | Not ZIP-priced | −0.80% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Jumbo Certificate | relationship | 48 months | $100,000 | 4.05% | Not ZIP-priced | −0.93% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate | relationship | 48 months | $500 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate | standard | 48 months | $100,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate | standard | 48 months | $500 | 3.95% | Not ZIP-priced | −1.03% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Jumbo Certificate | relationship | 60 months | $100,000 | 4.10% | Not ZIP-priced | −0.91% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Star Member Certificate | relationship | 60 months | $500 | 4.05% | Not ZIP-priced | −0.96% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Jumbo Certificate | standard | 60 months | $100,000 | 4.05% | Not ZIP-priced | −0.96% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |
| Certificate | standard | 60 months | $500 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-23T02:09:49.000Z | [Snapshot 857](https://apyledger.com/snapshots/857) |

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.