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Make your money work harder for you. With a certificate, you earn higher dividends for your commitment to a specific term.

Explore Your Savings Options!

3-Month, 2.99% APY*^ New Money Certificate
6-Month, 4.00%* APY Certificate
9-Month, 4.25% APY*^ New Money Certificate

Open an Account

*APY=Annual Percentage Yield. Rates are valid as of 3/01/2024. These special offers are subject to end at any time without notice. Terms and conditions may vary by account. Minimum balance for all certificates is $1,000. There is a penalty for early withdrawal for all Certificates. Fees could reduce earnings on an account. ^Funds used to open share certificates must be new money and cannot come from an EP Federal Credit Union Account or withdrawal within 30 days of the certificate opening (i.e., re-deposit). Membership eligibility required.
EPFCU offers a variety of certificate products to suit your needs and help you meet your goals.

SmartSaver Certificates

Certificates are available to fit every budget.

  • Minimum deposit is $1,000.
  • Minimum term is 6 months.
  • Check rates.

Bump Up Certificates

Don’t get stuck with low earnings on your long-term certificates. Our Bump Up Term Share Certificate allows you to secure a higher dividend rate for your investments in a rising-rate environment. If our rates go up, yours can too!

With a Bump Up certificate your rate may be "bumped up” once during the term of your certificate to our higher prevailing rate for that same term.

  • Minimum deposit is $1,000.
  • Terms of 48 or 60 months.
  • Check rates.

Pot of Gold Certificates

Pot of Gold certificates are special "contract" savings certificates. You set your goal and begin saving toward it on a regular basis by payroll distribution or automated Funds Transfer. Once your goal is met, you receive the balance, including compounded dividends!

  • Minimum deposit is $6 weekly.
  • Maturity may extend for 4 to 6 years.

Visit a branch or call 202-318-1991 for information and rates on our Jumbo Certificates.

Smart Saver
Term Certificate Rates

Effective May 1, 2024Print

Share & IRA Certificates Min. Balance
to Open
Min. Balance
to Earn APY
6 Month Certificate $1,000 $1,000 3.93% 4.00%
12 Month Certificate $1,000 $1,000 3.45% 3.50%
24 Month Certificate $1,000 $1,000 2.96% 3.00%
36 Month Certificate $1,000 $1,000 3.20% 3.25%
48 Month Certificate $1,000 $1,000 2.75% 2.78%
60 Month Certificate $1,000 $1,000 2.75% 2.78%
IRA Certificates $500 $500 Same as above Same as above
Jumbo Certificates $100,000 $100,000 Inquire at CU Inquire at CU
†Smart Saver Term Share Certificate Balance Computation Method: Balance Computation Method: Daily Balance. Dividend Accrual: Dividends earned from day of deposit to day of withdrawal. Dividend accrual on non-cash deposits will begin on the day of deposit. Fees: No service fees. Early Withdrawal: Penalty for withdrawal of funds other than dividends prior to maturity is 90 days of dividends earned. Maturity: Rate is fixed for the term of the certificate. Notice of maturity is mailed fifteen (15) days prior to maturity date, stating the certificate will automatically renew. Withdrawal or transfer of certificate funds is permitted within a five (5) day period following the maturity date. Transaction Limits: After the account is opened, deposits into or withdrawals from the account are not permitted until maturity. Fees could reduce earnings on an account. 
*APY = Annual Percentage Yield

Bump Up
Term Certificate Rates††

Effective May 1, 2024Print

Share Certificate Min. Balance to Open Min. Balance to Earn APY Dividend Rate APY*
48 Month Terms $1,000 $1,000 2.65% 2.68%
60 Month Terms $1,000 $1,000 2.65% 2.68%
††Bump Up Term Share Certificates allow you to "bump up” your dividend rate by requesting a one-time rate increase during the maturity term to the prevailing rate for the same term. Dividends are earned from day of deposit to day of withdrawal and are paid and compounded monthly. A penalty may apply for early withdrawal. Rate is fixed for the term of the certificate with the added allowance of one rate increase to the prevailing rate of the same term during the maturity period. Fees could reduce earnings on an account. 
*APY = Annual Percentage Yield

Pot of Gold
Term Certificate Rates†††

Effective Apr 1, 2024Print

Min. Weekly Deposit Term Dividend Rate APY*
$6/week 48 - 72 Months 1.00% 1.00%
$25/week 48 - 72 Months 1.97% 1.99%
†††Pot of Gold Term Share Certificate dividends are compounded and paid quarterly. Dividend Rate and APYs are variable and subject to change. A penalty will apply for early withdrawal of any funds before maturity. Opening deposit must be equal to contracted deposit amount. Fees could reduce earnings on an account. 
*APY = Annual Percentage Yield

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