# Empeople Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/empeople-credit-union
Institution: Empeople Credit Union (NCUA 68598)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:55.000Z (October 22, 2026)
Official source: https://empeople.com/tools-resources/rates/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Certificate | standard | 3 months | $5,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T16:21:55.000Z | [Snapshot 339](https://apyledger.com/snapshots/339) |
| 6 Month Certificate | standard | 6 months | $500 | 4.10% | Not ZIP-priced | −0.30% | 2026-10-22T16:21:55.000Z | [Snapshot 339](https://apyledger.com/snapshots/339) |
| 12 Month Certificate | standard | 12 months | $500 | 4.30% | Not ZIP-priced | −0.27% | 2026-10-22T16:21:55.000Z | [Snapshot 339](https://apyledger.com/snapshots/339) |
| 18 Month Certificate | standard | 18 months | $500 | 4.40% | Not ZIP-priced | −0.32% | 2026-10-22T16:21:55.000Z | [Snapshot 339](https://apyledger.com/snapshots/339) |
| 24 Month Certificate | standard | 24 months | $500 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T16:21:55.000Z | [Snapshot 339](https://apyledger.com/snapshots/339) |
| 36 Month Certificate | standard | 36 months | $500 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T16:21:55.000Z | [Snapshot 339](https://apyledger.com/snapshots/339) |
| 48 Month Certificate | standard | 48 months | $500 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-22T16:21:55.000Z | [Snapshot 339](https://apyledger.com/snapshots/339) |
| 60 Month Certificate | standard | 60 months | $500 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:21:55.000Z | [Snapshot 339](https://apyledger.com/snapshots/339) |

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.