Investments & Retirement Rates
{"items":[{"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":"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":"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 - 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 Certificate Rates

INVESTMENT CERTIFICATE TERMSANNUAL PERCENTAGE YIELD1DIVIDEND RATEJUMBO ANNUAL PERCENTAGE YIELD ($100k Minimum)JUMBO DIVIDEND RATE ($100k Minimum)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30 to 89 days $2,500 minimum0.50%0.50%0.55%0.55%The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
90 to 179 days $2,500 minimum0.50%0.50%0.55%0.55%The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.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 minimum1.00%1.00%1.05%1.04%90 days dividends
Lifeline Savers Certificate (365 days) $100 minimum0.90%0.90%0.00%0.00%90 days dividends
13 Month (395 Days)3.00%2.96%0.00%0.00%90 days dividends
1 to 2 Years (365 to 729 days) $1,000 minimum1.65%1.64%1.70%1.69%90 days dividends
2 to 3 Years (730 to 1094 days) $1,000 minimum1.70%1.69%1.75%1.74%180 days dividends
3 to 4 Years (1095 to 1460 days) $1,000 minimum2.00%1.98%2.25%2.23%180 days dividends
4 to 5 Years (1461 to 1825 days) $1,000 minimum2.70%2.67%2.75%2.72%180 days dividends
5 Years (1826 days) $1,000 minimum2.25%2.23%2.30%2.28%180 days dividends
6 Years (2,191) days $1,000 minimum2.30%2.28%2.36%2.33%365 days dividends

Rates accurate as of October 3, 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.