Empeople Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Empeople Credit Union's highest tracked CD (share certificate) rate is 4.40% APY on an 18-month CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.50% to 4.40% APY.
Tracking began .
Empeople Credit Union CD & share certificate rates
Membership required. IRA/HSA and share certificate rates; a $500 minimum deposit is required to open and earn dividends, and the 3-month certificate requires $5,000. Early withdrawal penalties apply.
| Term | Product | APY |
|---|---|---|
| 3 months | 3 Month Certificate | 3.75%Top 19% · $10k reference sampleVerified October 22, 2026 |
| 6 months | 6 Month Certificate | 4.10%Top 13% · $10k reference sampleVerified October 22, 2026 |
| 12 months | 12 Month Certificate | 4.30%Top 13% · $10k reference sampleVerified October 22, 2026 |
| 18 months | 18 Month Certificate | 4.40%Top 10% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 24 Month Certificate | 4.25%Top 17% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 36 Month Certificate | 4.00%Top 24% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 48 Month Certificate | 3.75%Top 28% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 60 Month Certificate | 3.50%Top 44% · $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.
What are Empeople Credit Union's best CD rates by term?
Empeople Credit Union's best rate is 4.40% APY on 18 months, verified October 22, 2026.
- 3 mo3.75%
- 6 mo4.10%
- 12 mo4.30%
- 18 mo4.40%
- 24 mo4.25%
- 36 mo4.00%
- 48 mo3.75%
- 60 mo3.50%
How much interest could a Empeople 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.
$667.84 interest · $10,667.84 at maturity on $10,000.00.
4.40% APY · 18 months · 18 Month Certificate · Standard · 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 | $46.103.75% APY · 3 Month Certificate · Standard | $92.213.75% APY · 3 Month Certificate · Standard | $230.513.75% APY · 3 Month Certificate · Standard | $461.033.75% APY · 3 Month Certificate · Standard |
| 6 months | $101.754.10% APY · 6 Month Certificate · Standard | $203.504.10% APY · 6 Month Certificate · Standard | $508.764.10% APY · 6 Month Certificate · Standard | $1,017.514.10% APY · 6 Month Certificate · Standard |
| 12 months | $215.004.30% APY · 12 Month Certificate · Standard | $430.004.30% APY · 12 Month Certificate · Standard | $1,075.004.30% APY · 12 Month Certificate · Standard | $2,150.004.30% APY · 12 Month Certificate · Standard |
| 18 months | $333.924.40% APY · 18 Month Certificate · Standard | $667.844.40% APY · 18 Month Certificate · Standard | $1,669.594.40% APY · 18 Month Certificate · Standard | $3,339.184.40% APY · 18 Month Certificate · Standard |
| 24 months | $434.034.25% APY · 24 Month Certificate · Standard | $868.064.25% APY · 24 Month Certificate · Standard | $2,170.164.25% APY · 24 Month Certificate · Standard | $4,340.314.25% APY · 24 Month Certificate · Standard |
| 36 months | $624.324.00% APY · 36 Month Certificate · Standard | $1,248.644.00% APY · 36 Month Certificate · Standard | $3,121.604.00% APY · 36 Month Certificate · Standard | $6,243.204.00% APY · 36 Month Certificate · Standard |
| 48 months | $793.253.75% APY · 48 Month Certificate · Standard | $1,586.503.75% APY · 48 Month Certificate · Standard | $3,966.263.75% APY · 48 Month Certificate · Standard | $7,932.523.75% APY · 48 Month Certificate · Standard |
| 60 months | $938.433.50% APY · 60 Month Certificate · Standard | $1,876.863.50% APY · 60 Month Certificate · Standard | $4,692.163.50% APY · 60 Month Certificate · Standard | $9,384.323.50% APY · 60 Month Certificate · Standard |
How Empeople 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 13 of 192 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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Empeople Credit Union (this institution)18 Month Certificate · Standard | 18 months | $500 | Coverage: GA, IA, IL, ME, NC, ND, WI | 4.40% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 18 months | $10,000 | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays18 Month CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.50% | 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 Empeople Credit Union on October 22, 2026.
About Empeople Credit Union
- Legal name
- Empeople Credit Union
- Regulator ID
- NCUA 68598
- Headquarters
- Moline, IL
- Available in
- GA, IA, IL, ME, NC, ND, WI
- Total assets
- $2.3 billion
- Also known as
- Website
- www.empeople.com
Source: rates read from https://empeople.com/tools-resources/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Empeople Credit Union?
Among the rates we track, 4.40% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a Empeople Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $5,000.
How does Empeople Credit Union's best CD rate compare with Treasury yields?
4.40% APY is −0.32% 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 4.40% a good CD rate?
It is 2.8 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 Empeople Credit Union CDs insured?
Empeople Credit Union is a federally insured credit union (NCUA 68598). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Empeople 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 Empeople 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 Empeople Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Empeople Credit Union before opening an account. This page is not financial advice.