Grow Your Savings with Confidence
Watch your money grow with Ellafi Federal Credit Union Certificates—safe, steady, and tailored to your goals. Whether you’re planning for a home, education, or retirement, our certificates help you invest in your future with peace of mind.
Choose from terms ranging 3 to 60 months, make a one-time deposit, and lock in a rate that works for you. Saving for tomorrow has never been simpler—or more empowering.
Current Certificate Rates
Minimum Balance $1,000.00. Rates effective 3/2/2026.
| Term | Dividend Rate | APY* |
|---|---|---|
| 3 Month | 2.72% | 2.75% |
| 6 Month | 3.44% | 3.50% |
| 6 Month Featured | 3.44% | 3.50% |
| 9 Month | 3.79% | 3.85% |
| 10 Month | 0.50% | 0.50% |
| 12 Month | 2.48% | 2.50% |
| 14 Month | 3.21% | 3.25% |
| 18 Month | 2.23% | 2.25% |
| 24 Month | 2.23% | 2.25% |
| 36 Month | 1.99% | 2.00% |
| 48 Month | 2.48% | 2.50% |
| 60 Month | 2.72% | 2.75% |
*APY = Annual Percentage Yield, rates effective 3/2/2026. We may impose a penalty if you withdraw funds from your account before the maturity date. If you are moving funds from an existing Ellafi FCU Certificate/IRA Certificate into a Certificate/IRA Certificates for a higher rate, penalties from the closure of the existing Certificate/IRA Certificate may apply. Penalty does not apply to those in the Required Minimum Distributions (RMD) age.
Click here for more current Certificate rates!
Ready to open a Credit Union Certificate?
By Phone
A team member would be happy to help you reach your savings goals. Give us a call at (860) 346-6614 to get started today!
In Person
Our branch teams are ready to give you in-person attention to help answer any questions and open your certificates. Stop by and see us at any location today!
Send us a Secure Message
Contact us safely and conveniently through our Secure Messaging feature. Simply log in to Online or Mobile Banking, click on "More", and select "Secure Message".
Personalize Your Savings Plan
Whether you have a short or long term certificate, you can earn dividends over a period of time that aligns with your brighter way forward. Terms are as short as 3 months and go to 60 months.
Certificates are a great hands-off way to save while your money earns a competitive rate. Your money is safe with Ellafi FCU because we are federally insured by the National Credit Union Administration (NCUA) up to $250,000.
Your interest rate is fixed when you open your account and won’t change until the Certificate reaches maturity (the end of your term).
Make an appointment with our team in the branches!
Do you have questions about credit union certificates or your account?
If you schedule an appointment online, you can choose the time and date that works best for your schedule to come into our Meriden or Middletown, CT branch. You can avoid waiting in the lobby when you need financial help.