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ESL Federal Credit Union rates: up to 4.00% APY

credit union · NCUA CHARTER 24563 · www.esl.org

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
Daily Dividend Accountfrom $1 0.05%APY2026-11-01 since 2026-11-01
First-Time Homebuyer Savings Accountfrom $1 0.05%APY2026-11-01 since 2026-11-01
Health Savings Accountfrom $1 0.05%APY2026-11-01 since 2026-11-01
Money Maker Account$0 - 2,499.99 0.05%APY2026-11-01 since 2026-11-01
Money Maker Account$2,500.00 - 9,999.99 0.05%APY2026-11-01 since 2026-11-01
Money Maker Account$10,000.00 - 24,999.99 0.10%APY2026-11-01 since 2026-11-01
Money Maker Account$25,000.00 - 49,999.99 0.25%APY2026-11-01 since 2026-11-01
Money Maker Account$50,000.00 and greater 0.45%APY2026-11-01 since 2026-11-01
Premier Money Maker Account$0 - 2,499.99 0.00%APY2026-11-01 since 2026-11-01
Premier Money Maker Account$2,500.00 - 9,999.99 0.10%APY2026-11-01 since 2026-11-01
Premier Money Maker Account$10,000.00 - 24,999.99 0.20%APY2026-11-01 since 2026-11-01
Premier Money Maker Account$25,000.00 - 49,999.99 0.30%APY2026-11-01 since 2026-11-01
Premier Money Maker Account$50,000.00 - 99,999.99 0.45%APY2026-11-01 since 2026-11-01
Premier Money Maker Account$100,000.00 - 249,999.99 0.45%APY2026-11-01 since 2026-11-01
Premier Money Maker Account$250,000.00 and greater 0.50%APY2026-11-01 since 2026-11-01
Secured Credit Card Savings Accountfrom $300 0.05%APY2026-11-01 since 2026-11-01
Tiered Savings$0 - $49,999.99 1.00%APY2026-11-01 since 2026-11-01
Tiered Savings$50,000.00 - $99,999.99 1.20%APY2026-11-01 since 2026-11-01
Tiered Savings$100,000.00 - $249,999.99 1.45%APY2026-11-01 since 2026-11-01
Tiered Savings$250,000.00 - $999,999.99 1.80%APY2026-11-01 since 2026-11-01
Tiered Savings$1,000,000.00 and greater 2.10%APY2026-11-01 since 2026-11-01

CDs

ProductTerm / tierRateBasisRecordedHistoryChange
Certificate – Fixed Rate31 day · from $1,000 0.05%APY2026-11-01 since 2026-11-01
Jumbo Certificate30 day jumbo · from $100,000 0.10%APY2026-11-01 since 2026-11-01
Jumbo Certificate60 day jumbo · from $100,000 0.10%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate3 month · from $500 0.10%APY2026-11-01 since 2026-11-01
Jumbo Certificate90 day jumbo · from $100,000 0.15%APY2026-11-01 since 2026-11-01
Jumbo Certificate180 day jumbo · from $100,000 0.15%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate6 month · from $500 0.10%APY2026-11-01 since 2026-11-01
Jumbo Certificate210 day jumbo · from $100,000 4.00%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate7 month · from $500 3.75%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate9 month · from $500 0.10%APY2026-11-01 since 2026-11-01
Jumbo Certificate360 day jumbo · from $100,000 0.15%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate12 month · from $500 0.12%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate18 month · from $500 0.12%APY2026-11-01 since 2026-11-01
Jumbo Certificate18 month jumbo · from $100,000 0.15%APY2026-11-01 since 2026-11-01
Call Certificate24 month · from $500 0.15%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate24 month · from $500 0.12%APY2026-11-01 since 2026-11-01
Jumbo Certificate24 month jumbo · from $100,000 0.15%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate36 month · from $500 0.15%APY2026-11-01 since 2026-11-01
Jumbo Certificate36 month jumbo · from $100,000 0.20%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate48 month · from $500 0.15%APY2026-11-01 since 2026-11-01
Jumbo Certificate48 month jumbo · from $100,000 0.20%APY2026-11-01 since 2026-11-01
Call Certificate60 month · from $500 0.20%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate60 month · from $500 0.15%APY2026-11-01 since 2026-11-01
Jumbo Certificate60 month jumbo · from $100,000 0.20%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate72 month · from $500 0.25%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate84 month · from $500 0.30%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate96 month · from $500 0.35%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate108 month · from $500 0.40%APY2026-11-01 since 2026-11-01
Certificate – Fixed Rate120 month · from $500 0.40%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.esl.org/personal/resources-tools/rates/certificates2026-11-01 11:51 UTC ok5bfd332abf42
www.esl.org/personal/resources-tools/rates/savings2026-11-01 11:51 UTC ok73bc4c4015d4