ESL Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, ESL Federal Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 210-day CD ($100,000 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.05% to 4.00% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.75% on 7 months
ESL Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 31 days to 120 months, including a 7-month offer, and jumbo certificates that require $100,000. Most terms can be opened online. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | Jumbo Certificate | $100,000 | 0.10% | −4.03% | Verified October 22, 2026 |
| 31 days | Certificate – Fixed Rate | $1,000 | 0.05% | −4.08% | Verified October 22, 2026 |
| 60 days | Jumbo Certificate | $100,000 | 0.10% | −4.10% | Verified October 22, 2026 |
| 90 days | Jumbo Certificate | $100,000 | 0.15% | −4.14% | Verified October 22, 2026 |
| 3 months | Certificate – Fixed Rate | $500 | 0.10% | −4.20% | Top 94% of tracked 3-month CDs · Verified October 22, 2026 |
| 180 days | Jumbo Certificate | $100,000 | 0.15% | −4.25% | Verified October 22, 2026 |
| 6 months | Certificate – Fixed Rate | $500 | 0.10% | −4.30% | Top 98% of tracked 6-month CDs · Verified October 22, 2026 |
| 210 days | Jumbo Certificate | $100,000 | 4.00% | −0.42% | Verified October 22, 2026 |
| 7 months | Certificate – Fixed Rate | $500 | 3.75% | −0.68% | Verified October 22, 2026 |
| 9 months | Certificate – Fixed Rate | $500 | 0.10% | −4.38% | Top 98% of tracked 9-month CDs · Verified October 22, 2026 |
| 360 days | Jumbo Certificate | $100,000 | 0.15% | −4.42% | Verified October 22, 2026 |
| 12 months | Certificate – Fixed Rate | $500 | 0.12% | −4.45% | Top 99% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Jumbo Certificate | $100,000 | 0.15% | −4.57% | Top 98% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate – Fixed Rate | $500 | 0.12% | −4.60% | Top 98% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Call Certificate | $500 | 0.15% | −4.72% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Jumbo Certificate | $100,000 | 0.15% | −4.72% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate – Fixed Rate | $500 | 0.12% | −4.75% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Jumbo Certificate | $100,000 | 0.20% | −4.75% | Top 98% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate – Fixed Rate | $500 | 0.15% | −4.80% | Top 99% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Jumbo Certificate | $100,000 | 0.20% | −4.78% | Top 98% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate – Fixed Rate | $500 | 0.15% | −4.83% | Top 99% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Call Certificate | $500 | 0.20% | −4.81% | Top 99% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Jumbo Certificate | $100,000 | 0.20% | −4.81% | Top 99% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate – Fixed Rate | $500 | 0.15% | −4.86% | Top 99% of tracked 60-month CDs · Verified October 22, 2026 |
| 72 months | Certificate – Fixed Rate | $500 | 0.25% | −4.80% | Verified October 22, 2026 |
| 84 months | Certificate – Fixed Rate | $500 | 0.30% | −4.79% | Verified October 22, 2026 |
| 96 months | Certificate – Fixed Rate | $500 | 0.35% | −4.78% | Verified October 22, 2026 |
| 108 months | Certificate – Fixed Rate | $500 | 0.40% | −4.76% | Verified October 22, 2026 |
| 120 months | Certificate – Fixed Rate | $500 | 0.40% | −4.80% | Verified 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 ESL Federal Credit Union's best CD rates by term?
ESL Federal Credit Union's best rate is 4.00% APY on 210 days, verified October 22, 2026.
- 30 days0.10%
- 31 days0.05%
- 60 days0.10%
- 90 days0.15%
- 3 mo0.10%
- 180 days0.15%
- 6 mo0.10%
- 210 days4.00%
- 7 mo3.75%
- 9 mo0.10%
- 360 days0.15%
- 12 mo0.12%
- 18 mo0.15%
- 24 mo0.15%
- 36 mo0.20%
- 48 mo0.20%
- 60 mo0.20%
- 72 mo0.25%
- 84 mo0.30%
- 96 mo0.35%
- 108 mo0.40%
- 120 mo0.40%
How much interest could a ESL Federal 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.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 31 days | $0.210.05% APY · Certificate – Fixed Rate · Standard | $0.420.05% APY · Certificate – Fixed Rate · Standard | $1.060.05% APY · Certificate – Fixed Rate · Standard | $2.120.05% APY · Certificate – Fixed Rate · Standard |
| 60 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 90 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 3 months | $1.250.10% APY · Certificate – Fixed Rate · Standard | $2.490.10% APY · Certificate – Fixed Rate · Standard | $6.230.10% APY · Certificate – Fixed Rate · Standard | $12.460.10% APY · Certificate – Fixed Rate · Standard |
| 180 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 6 months | $2.510.10% APY · Certificate – Fixed Rate · Standard | $5.010.10% APY · Certificate – Fixed Rate · Standard | $12.530.10% APY · Certificate – Fixed Rate · Standard | $25.060.10% APY · Certificate – Fixed Rate · Standard |
| 210 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 7 months | $108.583.75% APY · Certificate – Fixed Rate · Standard | $217.163.75% APY · Certificate – Fixed Rate · Standard | $542.893.75% APY · Certificate – Fixed Rate · Standard | $1,085.783.75% APY · Certificate – Fixed Rate · Standard |
| 9 months | $3.750.10% APY · Certificate – Fixed Rate · Standard | $7.510.10% APY · Certificate – Fixed Rate · Standard | $18.760.10% APY · Certificate – Fixed Rate · Standard | $37.530.10% APY · Certificate – Fixed Rate · Standard |
| 360 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 12 months | $6.000.12% APY · Certificate – Fixed Rate · Standard | $12.000.12% APY · Certificate – Fixed Rate · Standard | $30.000.12% APY · Certificate – Fixed Rate · Standard | $60.000.12% APY · Certificate – Fixed Rate · Standard |
| 18 months | $9.010.12% APY · Certificate – Fixed Rate · Standard | $18.020.12% APY · Certificate – Fixed Rate · Standard | $45.050.12% APY · Certificate – Fixed Rate · Standard | $90.110.12% APY · Certificate – Fixed Rate · Standard |
| 24 months | $15.010.15% APY · Call Certificate · Standard | $30.020.15% APY · Call Certificate · Standard | $75.060.15% APY · Call Certificate · Standard | $150.110.15% APY · Call Certificate · Standard |
| 36 months | $22.530.15% APY · Certificate – Fixed Rate · Standard | $45.070.15% APY · Certificate – Fixed Rate · Standard | $112.670.15% APY · Certificate – Fixed Rate · Standard | $225.340.15% APY · Certificate – Fixed Rate · Standard |
| 48 months | $30.070.15% APY · Certificate – Fixed Rate · Standard | $60.140.15% APY · Certificate – Fixed Rate · Standard | $150.340.15% APY · Certificate – Fixed Rate · Standard | $300.680.15% APY · Certificate – Fixed Rate · Standard |
| 60 months | $50.200.20% APY · Call Certificate · Standard | $100.400.20% APY · Call Certificate · Standard | $251.000.20% APY · Call Certificate · Standard | $502.000.20% APY · Call Certificate · Standard |
| 72 months | $75.470.25% APY · Certificate – Fixed Rate · Standard | $150.940.25% APY · Certificate – Fixed Rate · Standard | $377.350.25% APY · Certificate – Fixed Rate · Standard | $754.700.25% APY · Certificate – Fixed Rate · Standard |
| 84 months | $105.950.30% APY · Certificate – Fixed Rate · Standard | $211.900.30% APY · Certificate – Fixed Rate · Standard | $529.750.30% APY · Certificate – Fixed Rate · Standard | $1,059.500.30% APY · Certificate – Fixed Rate · Standard |
| 96 months | $141.730.35% APY · Certificate – Fixed Rate · Standard | $283.450.35% APY · Certificate – Fixed Rate · Standard | $708.640.35% APY · Certificate – Fixed Rate · Standard | $1,417.270.35% APY · Certificate – Fixed Rate · Standard |
| 108 months | $182.910.40% APY · Certificate – Fixed Rate · Standard | $365.810.40% APY · Certificate – Fixed Rate · Standard | $914.540.40% APY · Certificate – Fixed Rate · Standard | $1,829.070.40% APY · Certificate – Fixed Rate · Standard |
| 120 months | $203.640.40% APY · Certificate – Fixed Rate · Standard | $407.280.40% APY · Certificate – Fixed Rate · Standard | $1,018.190.40% APY · Certificate – Fixed Rate · Standard | $2,036.390.40% APY · Certificate – Fixed Rate · Standard |
How ESL Federal 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 210-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| ESL Federal Credit Union (this institution) (highest tracked APY for this term)Jumbo Certificate · Standard | 210 days | $100,000 | Membership required · branches in NY | 4.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 210 days (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.42% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking ESL Federal Credit Union on October 22, 2026.
About ESL Federal Credit Union
- Legal name
- Esl Federal Credit Union
- Regulator ID
- NCUA 24563
- Headquarters
- Rochester, NY
- Available in
- NY
- Total assets
- $10.8 billion
- Also known as
- ESL
- Website
- www.esl.org
Source: rates read from https://www.esl.org/personal/resources-tools/rates/certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at ESL Federal Credit Union?
Among the rates we track, 4.00% APY on a 210-day CD, as of October 22, 2026.
What is the minimum deposit for a ESL Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does ESL Federal Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.42% versus the 210-day Treasury yield of 4.42% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 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 ESL Federal Credit Union CDs insured?
ESL Federal Credit Union is a federally insured credit union (NCUA 24563). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at ESL Federal 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 ESL Federal 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 ESL Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with ESL Federal Credit Union before opening an account. This page is not financial advice.