Educators Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Educators Credit Union's highest tracked CD (share certificate) rate is 4.20% APY on a 7-month promotional CD ($500 minimum). That is 3.0 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.80% to 3.00% APY.
Tracking began .
Educators Credit Union CD & share certificate rates
Membership required. Share certificates from 91 days to 5 years, add-on 275-day and 30-month certificates, and 7- and 15-month specials; rates are for new certificates and require $500. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 91 days | Share Certificate 91 Days | 1.80%Top 69% · $10k reference sampleVerified October 22, 2026 |
| 182 days | Share Certificate 182 Days | 1.90%Verified October 22, 2026 |
| 7 months | Share Certificate 7 Month Special Promotional | 4.20%Verified October 22, 2026 |
| 275 days | Share Certificate 275 Days (Add-on) | 1.95%Verified October 22, 2026 |
| 12 months | Share Certificate 1 Year | 2.25%Top 81% · $10k reference sampleVerified October 22, 2026 |
| 15 months | Share Certificate 15 Month Special Promotional | 4.20%Verified October 22, 2026 |
| 18 months | Share Certificate 18 Months | 2.35%Top 85% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Share Certificate 2 Years | 2.60%Top 72% · $10k reference sampleVerified October 22, 2026 |
| 30 months | Share Certificate 30 Months (Add-on) | 2.65%Verified October 22, 2026 |
| 36 months | Share Certificate 3 Years | 2.75%Top 67% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Share Certificate 4 Years | 2.85%Top 62% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Share Certificate 5 Years | 3.00%Top 64% · $10k reference sampleVerified 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 4.20% APY (7 months). The standard rate for a similar term is 1.90% APY (182 days). If the CD renews at the standard rate when it matures, $10,000 would earn about $230 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 Educators Credit Union's best CD rates by term?
Educators Credit Union's best rate is 4.20% APY on 7 months, verified October 22, 2026.
- 91 days1.80%
- 182 days1.90%
- 7 mo4.20%
- 275 days1.95%
- 12 mo2.25%
- 15 mo4.20%
- 18 mo2.35%
- 24 mo2.60%
- 30 mo2.65%
- 36 mo2.75%
- 48 mo2.85%
- 60 mo3.00%
How much interest could a Educators 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.
$242.99 interest · $10,242.99 at maturity on $10,000.00.
4.20% APY · 7 months · Share Certificate 7 Month Special · Promotional · 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 |
|---|---|---|---|---|
| 91 days | $22.291.80% APY · Share Certificate 91 Days · Standard | $44.581.80% APY · Share Certificate 91 Days · Standard | $111.441.80% APY · Share Certificate 91 Days · Standard | $222.881.80% APY · Share Certificate 91 Days · Standard |
| 182 days | $47.151.90% APY · Share Certificate 182 Days · Standard | $94.291.90% APY · Share Certificate 182 Days · Standard | $235.731.90% APY · Share Certificate 182 Days · Standard | $471.461.90% APY · Share Certificate 182 Days · Standard |
| 7 months | $121.504.20% APY · Share Certificate 7 Month Special · Promotional | $242.994.20% APY · Share Certificate 7 Month Special · Promotional | $607.484.20% APY · Share Certificate 7 Month Special · Promotional | $1,214.974.20% APY · Share Certificate 7 Month Special · Promotional |
| 275 days | $73.281.95% APY · Share Certificate 275 Days (Add-on) · Standard | $146.571.95% APY · Share Certificate 275 Days (Add-on) · Standard | $366.421.95% APY · Share Certificate 275 Days (Add-on) · Standard | $732.841.95% APY · Share Certificate 275 Days (Add-on) · Standard |
| 12 months | $112.502.25% APY · Share Certificate 1 Year · Standard | $225.002.25% APY · Share Certificate 1 Year · Standard | $562.502.25% APY · Share Certificate 1 Year · Standard | $1,125.002.25% APY · Share Certificate 1 Year · Standard |
| 15 months | $263.724.20% APY · Share Certificate 15 Month Special · Promotional | $527.434.20% APY · Share Certificate 15 Month Special · Promotional | $1,318.584.20% APY · Share Certificate 15 Month Special · Promotional | $2,637.164.20% APY · Share Certificate 15 Month Special · Promotional |
| 18 months | $177.452.35% APY · Share Certificate 18 Months · Standard | $354.892.35% APY · Share Certificate 18 Months · Standard | $887.232.35% APY · Share Certificate 18 Months · Standard | $1,774.462.35% APY · Share Certificate 18 Months · Standard |
| 24 months | $263.382.60% APY · Share Certificate 2 Years · Standard | $526.762.60% APY · Share Certificate 2 Years · Standard | $1,316.902.60% APY · Share Certificate 2 Years · Standard | $2,633.802.60% APY · Share Certificate 2 Years · Standard |
| 30 months | $338.052.65% APY · Share Certificate 30 Months (Add-on) · Standard | $676.112.65% APY · Share Certificate 30 Months (Add-on) · Standard | $1,690.272.65% APY · Share Certificate 30 Months (Add-on) · Standard | $3,380.542.65% APY · Share Certificate 30 Months (Add-on) · Standard |
| 36 months | $423.952.75% APY · Share Certificate 3 Years · Standard | $847.902.75% APY · Share Certificate 3 Years · Standard | $2,119.742.75% APY · Share Certificate 3 Years · Standard | $4,239.482.75% APY · Share Certificate 3 Years · Standard |
| 48 months | $594.832.85% APY · Share Certificate 4 Years · Standard | $1,189.672.85% APY · Share Certificate 4 Years · Standard | $2,974.172.85% APY · Share Certificate 4 Years · Standard | $5,948.342.85% APY · Share Certificate 4 Years · Standard |
| 60 months | $796.373.00% APY · Share Certificate 5 Years · Standard | $1,592.743.00% APY · Share Certificate 5 Years · Standard | $3,981.853.00% APY · Share Certificate 5 Years · Standard | $7,963.703.00% APY · Share Certificate 5 Years · Standard |
How Educators 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 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 10 of 63 tracked institutions with fresh 213-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Educators Credit Union (this institution)Share Certificate 7 Month Special · Promotional | 7 months | $500 | Coverage: WI | 4.20% | October 22, 2026 |
| Associated BankCD special · Promotional | 7 months | $5,000 | Coverage: IA, IL, MN, MO, NE, WI | 4.25% | October 22, 2026 |
| North Shore Bank7-month CD · Promotional | 7 months | $1,000 | Coverage: IL, WI | 4.10% | October 22, 2026 |
| Summit Credit UnionCertificate - Special · Promotional | 7 months | $5,000 | Coverage: WI | 4.10% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Coverage: MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Educators Credit Union on October 22, 2026.
About Educators Credit Union
- Legal name
- Educators Credit Union
- Regulator ID
- NCUA 66448
- Headquarters
- Racine, WI
- Available in
- WI
- Total assets
- $4.0 billion
- Also known as
- Website
- www.ecu.com
Source: rates read from https://www.ecu.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Educators Credit Union?
Among the rates we track, 4.20% APY on a 7-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Educators Credit Union CD?
The lowest minimum we found is $500.
How does Educators Credit Union's best CD rate compare with Treasury yields?
4.20% APY is −0.23% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.20% a good CD rate?
It is 3.0 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 Educators Credit Union CDs insured?
Educators Credit Union is a federally insured credit union (NCUA 66448). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Educators 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 Educators 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 Educators Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Educators Credit Union before opening an account. This page is not financial advice.