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Investment Certificates
Earn a great rate on your funds with an Investment Certificate!
Features
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).
- 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- Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty
Rates
Investment Certificate Rates
| Investment Certificate Terms | Minimum Amount | APY1 | Dividend Rate | Jumbo APY1 ($100k Minimum) | Jumbo Dividend Rate ($100k minimum) | Early Withdrawal Penalty |
|---|---|---|---|---|---|---|
| 30 to 89 days | $2,500 Minimum | 4.25% | 4.17% | 4.30% | 4.22% | The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. |
| 90 to 179 days | $2,500 Minimum | 4.25% | 4.17% | 4.30% | 4.22% | The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. |
| 180 to 364 days | $2,500 Minimum | 4.25% | 4.17% | 4.30% | 4.22% | 90 Days' Dividends |
| Lifeline Savers Certificate (365 days) | $100 | 3.00% | 2.96% | N/A | N/A | 90 Days' Dividends |
| HSA Certificate (365 Days) | $1,000 Minimum | 4.25% | 4.17% | N/A | N/A | 90 Days' Dividends |
| 1 to 2 Years (365 to 729 days) | $1,000 Minimum | 4.25% | 4.17% | 4.30% | 4.22% | 90 Days' Dividends |
| 2 to 3 Years (730 to 1094 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 180 Days' Dividends |
| 3 to 4 Years (1095 to 1460 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 180 Days' Dividends |
| 4 to 5 Years (1461 to 1825 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 180 Days' Dividends |
| 5 Years (1826 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 180 Days' Dividends |
| 6 Years (2,191 days) | $1,000 Minimum | 4.00% | 3.93% | 4.05% | 3.98% | 365 Days' Dividends |
Rates accurate as of April 1, 2025 and are subject to change.
1APY 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.