Personal Banking
{"items":[{"heading":"Construction Seminar","startDate":"August 13 at 12:00pm ET","url":"/resources/seminars-events/tennessee/construction-seminar-(1)","summary":"August 11, 2020 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"September 1 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-selling-seminar-(1)","summary":"September 8, 2020 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"September 1 at 12:00pm ET","url":"/resources/seminars-events/texas/home-buying-seminar-(1)","summary":"September 22, 2020 — 6PM.
Courtyard by Marriott Longview North
1125 E Hawkins Pkwy
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"October 1 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar","summary":"July 14, 2020 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"October 22 at 12:00pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 20, 2020 — 6PM.
Courtyard by Marriott Longview North
1125 E Hawkins Pkwy
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"November 12 at 12:00pm ET","url":"/resources/seminars-events/texas/home-selling-seminar-(1)","summary":"August 25, 2020 — 6PM.
Courtyard by Marriott Longview North
1125 E Hawkins Pkwy
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"January 23 at 2:23pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(4)","summary":"October 1, 2020 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"February 24 at 4:03pm ET","url":"/resources/seminars-events/texas/transforming-social-security-into-a-winning-re-(1)","summary":"October 13, 2020 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"June 6 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-kingsport,-tn","summary":"June 6, 2020 – 8AM-12PM or until trucks reach maximum capacityWilcox Branch
201 S. Wilcox Drive
Kingsport, TN 37660 ","lat":"","lng":""},{"heading":"Shred Day - Johnson City, TN","startDate":"June 13 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-johnson-city,-tn","summary":"June 13, 2020 – 8AM-12PM or until trucks reach maximum capacityState of Franklin Branch
255 Marketplace Blvd
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"June 2 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-kingsport,-tn-(1)","summary":"June 20, 2020 – 8AM - 12PM or until trucks reach maximum capacityAllandale Branch
4325 W. Stone Drive
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Shred Day - Bristol, VA","startDate":"July 18 at 8:00am ET","url":"/resources/seminars-events/virginia/shred-day-bristol,-va","summary":"July 18, 2020 – 8AM - 12PM or until trucks reach maximum capacityLee Highway Branch
16501 Highlands Center Blvd
Bristol, VA 24202","lat":"","lng":""},{"heading":"Shred Day - Gray, TN","startDate":"September 26 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-gray,-tn","summary":"September 26, 2020 – 8AM - 12PM or until trucks reach maximum capacityGray Branch
384 Roy Martin Rd
Gray, TN 37615","lat":"","lng":""},{"heading":"Shred Day - Blountville, TN","startDate":"October 3 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-blountville,-tn","summary":"October 3, 2020 – 8AM - 12PM or until trucks reach maximum capacityBlountville Branch
1911 Hwy 394
Blountville, TN 37617 ","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 6 at 11:30am ET","url":"/resources/seminars-events/tennessee/transforming-social-security-into-a-winning-re-(3)","summary":"October 6, 2020 — 11:30 AM
The Crown Center at Food City
1205 N Eastman Road
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 6 at 6:00pm ET","url":"/resources/seminars-events/tennessee/transforming-social-security-into-a-winning-re-(4)","summary":"October 6, 2020 — 6:00PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Shred Day - Greeneville, TN","startDate":"October 1 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-greeneville,-tn","summary":"October 10, 2020 – 8AM - 12PM or until trucks reach maximum capacityGreeneville Branch
3811 E. Andrew Johnson Hwy
Greeneville, TN 37745","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 15 at 6:00pm ET","url":"/resources/seminars-events/virginia/transforming-social-security-into-a-winning-re-(1)","summary":"October 15, 2020 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 22 at 6:00pm ET","url":"/resources/seminars-events/tennessee/transforming-social-security-into-a-winning-re-(5)","summary":"October 22, 2020 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 24 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-kingsport,-tn-(2)","summary":"October 24, 2020 – 8AM-12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660 ","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 3 at 6:00pm ET","url":"/resources/seminars-events/tennessee/planning-for-healthcare-in-retirement-(1)","summary":"November 3, 2020 — 6:00PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 5 at 6:00pm ET","url":"/resources/seminars-events/tennessee/planning-for-healthcare-in-retirement","summary":"November 5, 2020 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 17 at 6:00pm ET","url":"/resources/seminars-events/virginia/planning-for-healthcare-in-retirement","summary":"November 17, 2020 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 17 at 6:00pm ET","url":"/resources/seminars-events/texas/planning-for-healthcare-in-retirement","summary":"November 17, 2020 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""}]}

Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
 

Investment Certificate Features

- Optional lengths of terms available

- Minimum deposit of $2,500 required on terms of 30 to 364 days

- Minimum deposit of $1,000 required on terms of 365 to 2,191 days

- Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty

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Investment Certificate Rates

Investment Certificate TermsAnnual Percentage YieldDividend RateJumbo Annual Percentage YieldJumbo Dividend RateEarly Withdrawal Penalty
30 to 89 days $2,500 minimum0.30%0.30%0.35%0.35%The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
90 to 179 days $2,500 minimum0.50%0.50%0.55%0.55%The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
180 to 364 days $2,500 minimum0.65%0.65%0.70%0.70%90 days dividends
Lifeline Savers Certificate (365 days) $100 minimum0.55%0.55%0.00%0.00%90 days dividends
1 to 2 Years (365 to 729 days) $1,000 minimum1.25%1.24%1.30%1.29%90 days dividends
2 to 3 Years (730 to 1094 days) $1,000 minimum1.30%1.29%1.35%1.34%180 days dividends
3 to 4 Years (1095 to 1460 days) $1,000 minimum1.35%1.34%1.40%1.39%180 days dividends
4 to 5 Years (1461 to 1825 days) $1,000 minimum1.40%1.39%1.45%1.44%180 days dividends
5 Years (1826 days) $1,000 minimum1.45%1.44%1.50%1.49%180 days dividends
6 Years (2,191) days $1,000 minimum1.50%1.49%1.55%1.54%365 days dividends

Rates accurate as of May 1, 2020 and are subject to change.

APY 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. You may elect to receive a check only for dividends earned on investment certificates.