# ELGA Credit Union CD and share certificate rates

As of October 22, 2026, ELGA Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 10-month promotional CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.05% to 3.51% APY.

Canonical page: https://apyledger.com/cd-rates/elga-credit-union
Institution: Elga Credit Union (NCUA 61797)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:54.000Z (October 22, 2026)
Official source: https://www.elgacu.com/bank/deposit-rates/
Coverage: Membership required. Regular CDs from 3 to 72 months in five balance tiers, the 10-month promotional CD and Learn2Save CDs; the minimum opening balance and balance to earn dividends is $1,000. IRA CDs are excluded. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular CD | standard | 3 months | $500,000 | 2.25% | Not ZIP-priced | −2.04% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 3 months | $250,000 | 2.20% | Not ZIP-priced | −2.09% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 3 months | $100,000 | 2.15% | Not ZIP-priced | −2.15% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 3 months | $30,000 | 2.10% | Not ZIP-priced | −2.19% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 3 months | $1,000 | 2.05% | Not ZIP-priced | −2.25% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 6 months | $500,000 | 2.80% | Not ZIP-priced | −1.60% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 6 months | $250,000 | 2.75% | Not ZIP-priced | −1.65% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 6 months | $100,000 | 2.70% | Not ZIP-priced | −1.70% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 6 months | $30,000 | 2.65% | Not ZIP-priced | −1.75% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 6 months | $1,000 | 2.60% | Not ZIP-priced | −1.80% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 9 months | $500,000 | 2.82% | Not ZIP-priced | −1.66% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 9 months | $250,000 | 2.77% | Not ZIP-priced | −1.71% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 9 months | $100,000 | 2.72% | Not ZIP-priced | −1.76% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 9 months | $30,000 | 2.67% | Not ZIP-priced | −1.81% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 9 months | $1,000 | 2.62% | Not ZIP-priced | −1.86% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| 10-Month Promo CD | promotional | 10 months | $1,000 | 4.00% | Not ZIP-priced | −0.51% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 12 months | $500,000 | 2.85% | Not ZIP-priced | −1.72% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 12 months | $250,000 | 2.80% | Not ZIP-priced | −1.77% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 12 months | $100,000 | 2.75% | Not ZIP-priced | −1.82% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 12 months | $30,000 | 2.70% | Not ZIP-priced | −1.87% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Learn2Save | special | 12 months | $250 | 2.65% | Not ZIP-priced | −1.92% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 12 months | $1,000 | 2.65% | Not ZIP-priced | −1.92% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Save To Win | special | 12 months | $25 | 0.75% | Not ZIP-priced | −3.82% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Save To Win | special | 12 months | $25,000 | 0.10% | Not ZIP-priced | −4.47% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 18 months | $500,000 | 2.90% | Not ZIP-priced | −1.82% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 18 months | $250,000 | 2.85% | Not ZIP-priced | −1.87% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 18 months | $100,000 | 2.80% | Not ZIP-priced | −1.92% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 18 months | $30,000 | 2.75% | Not ZIP-priced | −1.97% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 18 months | $1,000 | 2.70% | Not ZIP-priced | −2.02% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 24 months | $500,000 | 2.95% | Not ZIP-priced | −1.92% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 24 months | $250,000 | 2.90% | Not ZIP-priced | −1.97% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 24 months | $100,000 | 2.85% | Not ZIP-priced | −2.02% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 24 months | $30,000 | 2.80% | Not ZIP-priced | −2.07% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Learn2Save | special | 24 months | $250 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 24 months | $1,000 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 36 months | $500,000 | 3.05% | Not ZIP-priced | −1.90% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 36 months | $250,000 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 36 months | $100,000 | 2.95% | Not ZIP-priced | −2.00% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 36 months | $30,000 | 2.90% | Not ZIP-priced | −2.05% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 36 months | $1,000 | 2.85% | Not ZIP-priced | −2.10% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 48 months | $500,000 | 3.15% | Not ZIP-priced | −1.83% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 48 months | $250,000 | 3.10% | Not ZIP-priced | −1.88% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 48 months | $100,000 | 3.05% | Not ZIP-priced | −1.93% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 48 months | $30,000 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 48 months | $1,000 | 2.95% | Not ZIP-priced | −2.03% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 60 months | $500,000 | 3.45% | Not ZIP-priced | −1.56% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 60 months | $250,000 | 3.35% | Not ZIP-priced | −1.66% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 60 months | $100,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 60 months | $30,000 | 3.20% | Not ZIP-priced | −1.81% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 60 months | $1,000 | 3.15% | Not ZIP-priced | −1.86% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 72 months | $500,000 | 3.51% | Not ZIP-priced | −1.54% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 72 months | $250,000 | 3.40% | Not ZIP-priced | −1.65% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 72 months | $100,000 | 3.30% | Not ZIP-priced | −1.75% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 72 months | $30,000 | 3.25% | Not ZIP-priced | −1.80% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |
| Regular CD | standard | 72 months | $1,000 | 3.20% | Not ZIP-priced | −1.85% | 2026-10-22T16:21:54.000Z | [Snapshot 356](https://apyledger.com/snapshots/356) |

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.