# ESL Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/esl-federal-credit-union
Institution: Esl Federal Credit Union (NCUA 24563)
Aliases: ESL
Status: live
Last verified: 2026-10-23T01:39:48.000Z (October 22, 2026)
Official source: https://www.esl.org/personal/resources-tools/rates/certificates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Certificate | standard | 30 days | $100,000 | 0.10% | Not ZIP-priced | −4.03% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 31 days | $1,000 | 0.05% | Not ZIP-priced | −4.08% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 60 days | $100,000 | 0.10% | Not ZIP-priced | −4.10% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 90 days | $100,000 | 0.15% | Not ZIP-priced | −4.14% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 3 months | $500 | 0.10% | Not ZIP-priced | −4.20% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 180 days | $100,000 | 0.15% | Not ZIP-priced | −4.25% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 6 months | $500 | 0.10% | Not ZIP-priced | −4.30% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 210 days | $100,000 | 4.00% | Not ZIP-priced | −0.42% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 7 months | $500 | 3.75% | Not ZIP-priced | −0.68% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 9 months | $500 | 0.10% | Not ZIP-priced | −4.38% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 360 days | $100,000 | 0.15% | Not ZIP-priced | −4.42% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 12 months | $500 | 0.12% | Not ZIP-priced | −4.45% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 18 months | $100,000 | 0.15% | Not ZIP-priced | −4.57% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 18 months | $500 | 0.12% | Not ZIP-priced | −4.60% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Call Certificate | standard | 24 months | $500 | 0.15% | Not ZIP-priced | −4.72% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 24 months | $100,000 | 0.15% | Not ZIP-priced | −4.72% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 24 months | $500 | 0.12% | Not ZIP-priced | −4.75% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 36 months | $100,000 | 0.20% | Not ZIP-priced | −4.75% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 36 months | $500 | 0.15% | Not ZIP-priced | −4.80% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 48 months | $100,000 | 0.20% | Not ZIP-priced | −4.78% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 48 months | $500 | 0.15% | Not ZIP-priced | −4.83% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Call Certificate | standard | 60 months | $500 | 0.20% | Not ZIP-priced | −4.81% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Jumbo Certificate | standard | 60 months | $100,000 | 0.20% | Not ZIP-priced | −4.81% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 60 months | $500 | 0.15% | Not ZIP-priced | −4.86% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 72 months | $500 | 0.25% | Not ZIP-priced | −4.80% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 84 months | $500 | 0.30% | Not ZIP-priced | −4.79% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 96 months | $500 | 0.35% | Not ZIP-priced | −4.78% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 108 months | $500 | 0.40% | Not ZIP-priced | −4.76% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |
| Certificate – Fixed Rate | standard | 120 months | $500 | 0.40% | Not ZIP-priced | −4.80% | 2026-10-23T01:39:48.000Z | [Snapshot 567](https://apyledger.com/snapshots/567) |

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.