# Educators Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/educators-credit-union
Institution: Educators Credit Union (NCUA 66448)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:50.000Z (October 22, 2026)
Official source: https://www.ecu.com/rates/
Coverage: 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.
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 91 Days | standard | 91 days | $500 | 1.80% | Not ZIP-priced | −2.50% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 182 Days | standard | 182 days | $500 | 1.90% | Not ZIP-priced | −2.50% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 7 Month Special | promotional | 7 months | $500 | 4.20% | Not ZIP-priced | −0.23% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 275 Days (Add-on) | standard | 275 days | $500 | 1.95% | Not ZIP-priced | −2.53% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 1 Year | standard | 12 months | $500 | 2.25% | Not ZIP-priced | −2.32% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 15 Month Special | promotional | 15 months | $500 | 4.20% | Not ZIP-priced | −0.45% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 18 Months | standard | 18 months | $500 | 2.35% | Not ZIP-priced | −2.37% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 2 Years | standard | 24 months | $500 | 2.60% | Not ZIP-priced | −2.27% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 30 Months (Add-on) | standard | 30 months | $500 | 2.65% | Not ZIP-priced | −2.26% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 3 Years | standard | 36 months | $500 | 2.75% | Not ZIP-priced | −2.20% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 4 Years | standard | 48 months | $500 | 2.85% | Not ZIP-priced | −2.13% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |
| Share Certificate 5 Years | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:21:50.000Z | [Snapshot 338](https://apyledger.com/snapshots/338) |

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.