Personal Banking

Investment Certificate Rates

INVESTMENT CERTIFICATE TERMSANNUAL PERCENTAGE YIELD*DIVIDEND RATE JUMBO ANNUAL PERCENTAGE YIELD* JUMBO DIVIDEND RATE EARLY WITHDRAWAL PENALTY
30 to 89 days $2,500 minimum0.75%0.75%0.80%0.80%The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
90 to 179 days $2,500 minimum0.75%0.75%0.80%0.80%The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
180 to 364 days $2,500 minimum1.55%1.54%1.60%1.59%90 days dividends
Lifeline Savers Certificate (365 days) $100 minimum1.40%1.39%0.00%0.00%90 days dividends
HSA Certificate (365 Days)4.00%3.93%0.00%0.00%90 days dividend
13 Month (395 Days)4.30%4.22%4.35%4.27%90 days dividends
1 to 2 Years (365 to 729 days) $1,000 minimum2.05%2.03%2.10%2.08%90 days dividends
2 to 3 Years (730 to 1094 days) $1,000 minimum2.25%2.23%2.30%2.28%180 days dividends
3 to 4 Years (1095 to 1460 days) $1,000 minimum2.36%2.33%2.41%2.38%180 days dividends
4 to 5 Years (1461 to 1825 days) $1,000 minimum2.45%2.42%2.50%2.47%180 days dividends
5 Years (1826 days) $1,000 minimum2.50%2.47%2.55%2.52%180 days dividends
6 Years (2,191) days $1,000 minimum2.55%2.52%2.60%2.57%365 days dividends

Rates accurate as of March 1, 2023 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.