Personal Banking
{"items":[{"heading":"Home Buying Seminar","startDate":"July 14 at 11:51am ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(1)","summary":"August 16, 2022
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"July 14 at 2:52pm ET","url":"/resources/seminars-events/texas/home-selling-seminar","summary":"August 30, 2022
6PM CST
Presented Virtually via WebEx
FOR MEMBERS RESIDING IN TEXAS ONLY
Click to Register","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"August 3 at 1:59pm ET","url":"/resources/seminars-events/tennessee/home-selling-seminar","summary":"September 13, 2022
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"August 3 at 2:02pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar","summary":"October 20, 2022
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"August 3 at 2:06pm ET","url":"/resources/seminars-events/texas/home-buying-seminar","summary":"September 20, 2022
6:00PM CST
Presented Virtually via WebEx
FOR MEMBERS RESIDING IN TEXAS ONLY
Click to Register","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"August 3 at 2:07pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 18, 2022
6PM CST
Presented virtually via WebEx
FOR MEMBERS RESIDING IN TEXAS ONLY
Click to Register
","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"August 3 at 2:14pm ET","url":"/resources/seminars-events/tennessee/construction-seminar-(1)","summary":"August 30, 2022
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""},{"heading":"Retirement Savings Challenges for Women","startDate":"August 3 at 3:18pm ET","url":"/resources/seminars-events/tennessee/retirement-savings-challenges-for-women","summary":"September 15, 2022
6PM EST
Presented Virtually via WebEx
Click to Register.
","lat":"","lng":""},{"heading":"Estate Planning Basics","startDate":"August 3 at 3:19pm ET","url":"/resources/seminars-events/tennessee/estate-planning-basics","summary":"October 25, 2022
6PM EST
Presented Virtually via WebEx.
Click to Register.
","lat":"","lng":""},{"heading":"Social Security","startDate":"August 3 at 3:20pm ET","url":"/resources/seminars-events/tennessee/social-security","summary":"November 8, 2022
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""},{"heading":"Shred Day - Greeneville, TN","startDate":"September 17 at 8:00am ET","url":"/resources/2022-shred-days/tennessee-shred-days/shred-day-greeneville,-tn","summary":"September 17, 2022 – 8AM -12PM or until trucks reach maximum capacityGreeneville Branch
3811 E. Andrew Johnson Highway
Greeneville, TN 37745","lat":"","lng":""},{"heading":"Shred Day - Blountville, TN","startDate":"September 24 at 8:00am ET","url":"/resources/2022-shred-days/tennessee-shred-days/shred-day-blountville,-tn","summary":"September 24, 2022 – 8AM -12PM or until trucks reach maximum capacityBlountville Branch
1911 Highway 394
Blountville, TN 37617","lat":"","lng":""},{"heading":"Shred Day - Gray, TN","startDate":"October 1 at 8:00am ET","url":"/resources/2022-shred-days/tennessee-shred-days/shred-day-gray,-tn","summary":"October 1, 2022 – 8AM -12PM or until trucks reach maximum capacityGray Branch
384 Roy Martin Rd
Gray, TN 37615","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 15 at 8:00am ET","url":"/resources/2022-shred-days/tennessee-shred-days/shred-day-kingsport,-tn-(2)","summary":"October 15, 2022 – 8AM -12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Shred Day - Longview, TX","startDate":"October 21 at 8:21am ET","url":"/resources/2022-shred-days/texas-shred-days/shred-day-longview,-tx","summary":"October 21, 2022 – 1PM to 5PM or until trucks reach maximum capacityPine Tree Branch
2002 West Loop 281
Longview, TX 75604","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

Open Today

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 minimum0.50%0.50%0.55%0.55%The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
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 minimum0.95%0.95%1.00%1.00%90 days dividends
2 to 3 Years (730 to 1094 days) $1,000 minimum1.00%1.00%1.05%1.04%180 days dividends
3 to 4 Years (1095 to 1460 days) $1,000 minimum1.30%1.29%1.35%1.34%180 days dividends
4 to 5 Years (1461 to 1825 days) $1,000 minimum2.00%1.98%2.05%2.03%180 days dividends
5 Years (1826 days) $1,000 minimum1.55%1.54%1.60%1.59%180 days dividends
6 Years (2,191) days $1,000 minimum1.60%1.59%1.65%1.64%365 days dividends

Rates accurate as of August 1, 2022 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.