Top Long-Term CD Rates at El Paso Employees FCU in TX - Local Only


0.65%$500-Evolve Federal Credit Union5 Year Boost Term Share Certificate
0.55%$500-Evolve Federal Credit Union4 Year Boost Term Share Certificate
0.45%$500-Evolve Federal Credit Union3 Year Boost Term Share Certificate
Rates as of September 18, 2021.

El Paso Employees Federal Credit Union is offering very competitive CD rates for terms of 3 to 5 years. These include a 3.29% APY 5-year CD, a 3.03% APY 4-year CD and a 2.78% APY 3-year CD. Minimum deposit is $500. These rates are listed in the credit union's certificates rate page as of 10/12/2010. These rates are about half a percentage point over what you can find at the best internet banks.

One downside to these CDs is a harsh early withdrawal penalty. The details are described below the rate table:

Early withdrawal penalties for maturities greater than 360 days is loss of interest (whether earned or not) equal to interest that would have accrued over 25% of the remaining term.

For a 5-year CD that would equal 15 months of interest which is more than twice the average penalty of 6 months of interest.

Even though the credit union name has "employees" in the name, the credit union's field of membership is community based. Anyone who lives, works, worships or attends school in El Paso County, Texas is eligible to join the credit union. Please refer to the credit union's Why Join page for more details. Membership requires a minimum balance of $15 in the share savings account.

The credit union's overall health score is 4 out of 5 at with a Texas Ratio of 1.90% (excellent) based on June 2010 data. Please refer to our financial overview of El Paso Employees Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 1792).

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5.61% 12-Month CD at a Texas CU (El Paso Employees)
El Paso Employees FCU is offering a 5.61% APY 12-month certificate of deposit. The minimum deposit is $50,000. The yield for a minimum deposit of $500 is 5.41% APY. This also applies to the 24-month CD. These rates apply to both regular and IRA certificates.

Field of membership includes anyone who lives, works, worships or attends school in El Paso County, Texas. Membership requires a $15 minimum deposit into a share savings account. The credit union is federally insured by the NCUA (Charter # 1792). It has $203.8 million in assets...

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