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Investment Certificate Rates

Rates accurate as of November 20, 2017 and are subject to change.

Investment Certificate Terms Annual Percentage Yield Dividend Rate Jumbo Annual Percentage Yield
(Minimum $100,000)
Jumbo Dividend Rate
(Minimum $100,000)
Early Withdrawal Penalty
30 to 89 days
$2,500 minimum
0.30% 0.30% 0.35% 0.35% The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.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 minimum
0.50% 0.50% 0.55% 0.55% The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.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 minimum
0.65% 0.65% 0.70% 0.70% 90 days dividends
Lifeline Savers Certificate
365 days
$100 minimum
0.55% 0.55% N/A N/A 90 days dividends
1 to 2 Years
365 to 729 days
$1,000 minimum
1.25% 1.24% 1.30% 1.29% 90 days dividends
2 to 3 Years
730 to 1094 days
$1,000 minimum
1.35% 1.34% 1.40% 1.39% 180 days dividends
3 to 4 Years
1095 to 1460 days
$1,000 minimum
1.60% 1.59% 1.65% 1.64% 180 days dividends
4 to 5 Years
1461 to 1825 days
$1,000 minimum
1.95% 1.94% 2.00% 1.98% 180 days dividends
5 Years
1826 to 2190 days
$1,000 minimum
2.25% 2.23% 2.30% 2.28% 180 days dividends

6 Years
2191 days
$1,000 minimum

2.60% 2.57% 2.65% 2.62% 365 days dividends

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.

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