Check out the most updated EFCU Financial CD Rates, Offers, and Promotions here.
They currently offer standard CD rates from 6-months to 60-months with 2.25% to 3.40% APY Rates. They also have a special 48-month Jumbo IRA CD term with 3.40% APY on $100,000 balances or more.
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About EFCU Financial
EFCU Financial was established in Baton Rouge, Louisiana as only the 13th chartered credit union in the entire country. Today, they serve over 40,000 members and manage more than $400 million in assets. They are a local community business committed to improving the lives of their members through comprehensive financial solutions.
EFCU Financial offers a vast array of products including CD options for all of your specific financial needs. From checking and savings account to loans and CDs, you are bound to find one that works for you.
This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.
*I recommend to take a look at Discover Bank Promotions here to find competitive rates without a limited product line.
| DISCOVER CD TERM | RATE | LINK |
| 12-Month Term | 2.40% APY | Apply Now |
| 24-Month Term | 2.45% APY | Apply Now |
| 36-Month Term | 2.45% APY | Apply Now |
| 48-Month Term | 2.45% APY | Apply Now |
| 84-Month Term | 2.60% APY | Apply Now |
EFCU Financial CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make.
EFCU Financial’s Best CD Offer is a 3.40% APY rate for their 48-month term. They currently offer standard CD rates from 6-months to 60-months. If you’re interested in making a higher rate than a traditional savings account then make sure to check out EFCU Financial’s CDs and their rates listed below
- Minimum deposit: $500
- Maximum deposit: None listed
- Early withdrawal penalty: Fees may reduce earnings, check with local CSR to find out more information
(NCUA Insured)
Standard CD Rates
| Term | APY Rate | Minimum Deposit |
| 6 Month | 2.15% | $500 |
| 12 Month | 2.80% | $500 |
| 18 Month | 2.85% | $500 |
| 24 Month | 3.00% | $500 |
| 30 Month | 3.10% | $500 |
| 36 Month | 3.15% | $500 |
| 48 Month | 3.20% | $500 |
| 60 Month | 3.25% | $500 |
Jumbo CD Rates
| Term | APY Rate | Minimum Deposit |
| 6 Month | 2.25% | $100,000 |
| 12 Month | 2.90% | $100,000 |
| 18 Month | 2.95% | $100,000 |
| 24 Month | 3.10% | $100,000 |
| 30 Month | 3.20% | $100,000 |
| 36 Month | 3.25% | $100,000 |
| 48 Month | 3.30% | $100,000 |
| 60 Month | 3.35% | $100,000 |
IRA CD Rates
| Term | APY Rate | Minimum Deposit |
| 6 Month | 2.25% | $500 |
| 12 Month | 2.90% | $500 |
| 18 Month | 2.95% | $500 |
| 24 Month | 3.10% | $500 |
| 30 Month | 3.20% | $500 |
| 36 Month | 3.25% | $500 |
| 48 Month | 3.30% | $500 |
| 60 Month | 3.35% | $500 |
Jumbo IRA CD Rates
| Term | APY Rate | Minimum Deposit |
| 6 Month | 2.35% | $100,000 |
| 12 Month | 3.00% | $100,000 |
| 18 Month | 3.05% | $100,000 |
| 24 Month | 3.20% | $100,000 |
| 30 Month | 3.30% | $100,000 |
| 36 Month | 3.35% | $100,000 |
| 48 Month | 3.40% | $100,000 |
| 60 Month | 3.45% | $100,000 |
EFCU Financial CD Features
- Low minimum balance requirement
- Competitive rates on all CD terms
- Free online and mobile banking
- Insured by the NCUA up to the maximum allowed by law
Bottom Line
Looking for a short term or long term CD? Then look no further as EFCU Financial offers you various CD terms from 6 to 60 months. You will be able to fully take control of your funds through their products and services and also maximize your saving potential.
This is a great opportunity to invest in a high-interest CD from EFCU Financial. However, you may want to compare them with our best CD Rates:
- Best 6-Month CD Rates
- Best 9-Month CD Rates
- Best 12-Month CD Rates
- Best 18-Month CD Rates
- Best 24-Month CD Rates
- Best 36-Month CD Rates
- Best 48-Month CD Rates
- Best 60-Month CD Rates
You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience. Check back often for the latest EFCU Financial CD rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
The best bank bonuses are updated here. Check the below pages to get started with some of the best offers: • Chase Bank Bonuses. Read about several offers for their Checking, Savings and Business accounts. Chase usually offers the most sign-up bonuses of all the big banks. • HSBC Bank Bonuses. Some big value offers available for their Checking accounts, with some requiring hefty deposits to qualify. They also have an online Savings account offering a very competitive rate. • TD Bank Bonuses. TD Bank consistently offers great Checking account bonuses all year long. Savings account offers are less frequently available. • Huntington Bank Bonuses. Bonus offers for their Checking accounts are only available for limited periods throughout the year. They also have great options for those looking for a free Checking account (no monthly fees). • Discover Bank Bonuses. Discover Bank offers top cashback, savings, money market accounts and CD rates for you to take advantage of. Discover has industry leading selections to cater to your banking needs. |
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| Chase Total Business Checking® | $200 Cash | Review |
| Chase SapphireSM Checking | $750 Cash | Review |
| Simple High-Yield Checking | $500 Cash | Review |
| Discover Bank Online Savings | $200 Cash | Review |
| HSBC Premier Checking Member FDIC | $750 Cash | Review |
| HSBC Advance Checking Member FDIC | $350 Cash | Review |
| Huntington Asterisk-Free Checking® | $150 Cash | Review |
| Huntington 5 Checking | $200 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| You InvestSM by J.P. Morgan | $625 Cash | Review |
| Chase Private Client | $1,250 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $200 Cash | Review |
| Discover Cashback Debit Account | $360 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $500 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
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