Jumbo Certificates
Earn more on your savings with a Jumbo Certificate
Take your savings to the next level with a Jumbo Certificate from Educational Systems Federal Credit Union. Ideal for members who have a minimum deposit of $100,000, our Jumbo Certificates offer competitive rates and secure, high-yield returns, making them great for achieving your long-term financial goals.
Whether you're planning for retirement, a significant purchase, or simply looking to maximize your earnings, a Jumbo Certificate provides a higher return compared to standard savings options, all while keeping your funds safely insured. Star Members can also enjoy a premium annual percentage yield (APY) on new Jumbo Certificates.
With a Jumbo Certificate from Educational Systems Federal Credit Union:
- Benefit from premium annual percentage yields
- Select a term that fits your needs, from three months to five years
- Enjoy consistent growth with dividends compounded and credited quarterly
- Savings are insured up to at least $250,000
Jumbo Certificates
Open a Jumbo Certificate account to leverage premium rates on larger deposits, offering a powerful way to grow your wealth securely and efficiently. $100,000 minimum deposit.
Jumbo Certificates
| Term | Minimum Balance | Dividend Rate | APY | Star Member Dividend Rate | Star Member APY |
|---|---|---|---|---|---|
| 60 months | $100,000 | 3.60% | 3.65% | 3.65% | 3.70% |
| 48 months | $100,000 | 3.55% | 3.60% | 3.60% | 3.65% |
| 36 months | $100,000 | 3.84% | 3.90% | 3.89% | 3.95% |
| 24 months | $100,000 | 3.89% | 3.95% | 3.94% | 4.00% |
| 12 months | $100,000 | 3.99% | 4.05% | 4.04% | 4.10% |
| 11 months* | $100,000 | 4.47% | 4.55% | 4.52% | 4.60% |
| 6 months | $100,000 | 3.94% | 4.00% | 3.99% | 4.05% |
| 3 months | $100,000 | 3.75% | 3.80% | 3.80% | 3.85% |
APY=Annual Percentage Yield. Dividends are compounded and credited quarterly. A penalty may be charged for Certificate early withdrawal.
Jumbo Certificate: A Jumbo Certificate can be opened with a minimum balance of $100,000. APYs, terms and disclosures also apply to IRA Certificates and individual retirement accounts.
Star Members: Star Members are eligible to receive a 0.05% APY higher than Regular and IRA Certificates of the same type and term. A Star Member is a member who has a total of $25,000 in combined deposits and/or loans. Business and Association accounts are not eligible for the Star Member Program.
