Personal Banking
{"items":[{"heading":"Shred Day - Longview, TX","startDate":"October 6 at 1:00pm ET","url":"/resources/2023-shred-days/texas-shred-days/shred-day-longview,-tx","summary":"October 6, 2023 – 1PM to 5PM or until trucks reach maximum capacityPine Tree Branch
2002 West Loop 281
Longview, TX 75604","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 14 at 8:00am ET","url":"/resources/2023-shred-days/tennessee-shred-days/shred-day-kingsport,-tn-(2)","summary":"October 14, 2023 – 8AM -12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"October 17 at 6:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(3)","summary":"October 17, 2023
Presented IN PERSON
Northeast Tennessee Association of Realtors (NETAR)
105 Tri-City Business Park
Johnson City, TN 37615
Click to Register","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"October 19 at 2:07pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 19, 2023
Presented IN PERSON
ECU Mortgage Lending Center
3188 Nealy Way
Longview, TX 75605
(Beside Hampton Inn, Eastman Road)
Click to Register ","lat":"","lng":""},{"heading":"Estate Planning Basics","startDate":"October 24 at 3:19pm ET","url":"/resources/seminars-events/tennessee/estate-planning-basics","summary":"October 24, 2023
Presented Virtually via WebEx.
Click to Register.
","lat":"","lng":""},{"heading":"Social Security","startDate":"November 7 at 2:40pm ET","url":"/resources/seminars-events/tennessee/social-security","summary":"November 7, 2023
Presented Virtually via WebEx
Click to Register","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- Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty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

30 to 89 days $2,500 minimum2.34%2.32%2.40%2.37%The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
90 to 179 days $2,500 minimum2.34%2.32%2.40%2.37%The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
180 to 364 days $2,500 minimum3.15%3.11%3.20%3.15%90 days dividends
Lifeline Savers Certificate (365 days) $100 minimum3.00%2.96%0.00%0.00%90 days dividends
HSA Certificate (365 Days)4.25%4.17%0.00%0.00%90 days dividend
11 Month (335 Days) $2,500 minimum5.50%5.37%5.50%5.37%90 days dividends
1 to 2 Years (365 to 729 days) $1,000 minimum3.65%3.59%3.70%3.64%90 days dividends
2 to 3 Years (730 to 1094 days) $1,000 minimum3.85%3.78%3.90%3.83%180 days dividends
3 to 4 Years (1095 to 1460 days) $1,000 minimum3.95%3.88%4.00%3.93%180 days dividends
4 to 5 Years (1461 to 1825 days) $1,000 minimum4.05%3.98%4.11%4.03%180 days dividends
5 Years (1826 days) $1,000 minimum4.09%4.02%4.15%4.07%180 days dividends
6 Years (2,191) days $1,000 minimum4.15%4.07%4.20%4.12%365 days dividends

Rates accurate as of September 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.