APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.ecu.org/plan-invest/investment-certificates
Read: 2026-10-22T12:04:34.000Z

Investment Certificate Terms | Minimum Amount | APY1 | Dividend Rate | Jumbo APY1 ($100k Minimum) | Jumbo Dividend Rate ($100k minimum) | Early Withdrawal Penalty
30 to 89 days | $2,500 Minimum | 3.75% | 3.69% | 3.80% | 3.74% | The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
90 to 179 days | $2,500 Minimum | 3.75% | 3.69% | 3.80% | 3.74% | The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
180 to 364 days | $2,500 Minimum | 4.20% | 4.12% | 4.25% | 4.17% | 90 Days' Dividends
Lifeline Savers Certificate (365 days) | $100 | 3.75% | 3.69% | N/A | N/A | 90 Days' Dividends
HSA Certificate (365 Days) | $1,000 Minimum | 3.75% | 3.69% | N/A | N/A | 90 Days' Dividends
1 to 2 Years (365 to 729 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 90 Days' Dividends
2 to 3 Years (730 to 1,094 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 180 Days' Dividends
3 to 4 Years (1,095 to 1,460 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 180 Days' Dividends
4 to 5 Years (1,461 to 1,825 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 180 Days' Dividends
5 Years (1,826 to 2,190 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 180 Days' Dividends
6 Years (2,191 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 365 Days' Dividends
1APY refers to annual percentage yield and is subject to change at the discretion of Eastman Credit Union with the exception of the share account which is determined by the credit union board of directors. APY assumes dividends will remain on deposit until maturity. APY is an annual calculation based on 365 days (366 days in a leap year). A penalty will be imposed for early withdrawal. Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. The APY shown for all non-term share accounts is accurate as of the last dividend declaration date. Dividends are paid monthly on all accounts. Dividends earned on all accounts may be transferred to another account at ECU.