Educational Systems rates: up to 5.30% APY
credit union · NCUA CHARTER 10696 · www.esfcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High Yield Savings Accounts Tier Five | $150,000.01 | 3.55% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings Accounts Tier Four | $100,000.01 | 3.30% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings Accounts Tier One | $0.01 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings Accounts Tier Six | $250,000.01 | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings Accounts Tier Three | $50,000.01 | 3.05% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings Accounts Tier Two | $25,000.01 | 2.80% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $5 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Membership Savings | $5 | 0.01% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 months Open Now · $500 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 3 months Open Now · $100,000 | 3.05% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 months Open Now · $500 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 6 months Open Now · $100,000 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 9-Month CD | 9 months Open Now · $500 | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 9 months Open Now · $100,000 | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 months Open Now · $500 | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 12 months Open Now · $100,000 | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 months Open Now · $500 | 4.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 18 months Open Now · $100,000 | 4.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 21-Month CD | 21 months Open Now · $500 | 5.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 21 months Open Now · $100,000 | 5.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 months Open Now · $500 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 24 months Open Now · $100,000 | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 months Open Now · $500 | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 36 months Open Now · $100,000 | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 months Open Now · $500 | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 48 months Open Now · $100,000 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 months Open Now · $500 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates | 60 months Open Now · $100,000 | 4.05% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA Money Market - Tier One | $2,500 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Money Market - Tier Three | $100,000 | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Money Market - Tier Two | $20,000 | 1.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market - Tier One | $2,500 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market - Tier Three | $100,000 | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market - Tier Two | $20,000 | 1.15% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | Premium Summer Pay Tier One Open Now · - | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Premium Summer Pay Tier Two Open Now · $20,000 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Dividend Checking | $500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Special Purpose Club | - | 0.01% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.esfcu.org/rates/checking-and-savings-rates | 2026-11-01 20:52 UTC | ok | 549b8cabbaf0 |
| www.esfcu.org/certificate-specials | 2026-11-01 20:52 UTC | ok | 1e9418941569 |
| www.esfcu.org/rates | — | extract-failed |