What are the current interest rates at EP?

Current rates for EP include: 12-Month CD: 3.50%, 24-Month CD: 3.00%, 60-Month CD: 2.93%, Savings: 0.10%

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EP Rates & Review June 2026

Q: How many branches does EP operate?

EP currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join EP?

Yes, to access services at EP, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, EP does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, EP provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 11, 2026

EP's 9-Month CD rates are at 3.68%, 12 Month CD rates are at 3.50%, 9 Month CD rates are at 3.43%, 36 Month CD rates are at 3.25%, 48 Month CD rates are at 3.04%. EP's savings rates are at 0.10%. EP's Credit Card Rates are at 9.25%. MonitorBankRates evaluates the financial stability of EP with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.90%. Rates were last updated on 06/11/2026.

EP money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at EP? Share your experience about EP by leaving a review below, or read customer reviews before you decide to use EP.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.90%

Excellent Lower than avg

EP
Main

301 13th Street SW RM 215A
Washington, DC 20228 0001

http://www.epfcu.org

EP CD Rates

Product	Rate	APY	Term
9-Month Certificate	-	3.68%	9 months
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
12 Month Certificate	3.45%	3.50%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
9 Month Certificate	3.37%	3.43%	9 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
36 Month Certificate	3.20%	3.25%	36 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
48 Month Certificate	3.00%	3.04%	48 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
60 Month Certificate	3.00%	3.04%	60 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
24 Month Certificate	2.96%	3.00%	24 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
48 Month Terms	2.90%	2.93%	48 Months
Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
60 Month Terms	2.90%	2.93%	60 Months
Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
6 Month Certificate	2.50%	2.53%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
48 - 72 month Pot of Gold Term Certificate	1.97%	1.99%	48 - 72 Months
Min Deposit $25 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
48 - 72 month Pot of Gold Term Certificate	1.00%	1.00%	48 - 72 Months
Min Deposit $6 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

EP Savings Rates

Product	Rate	APY
Educational Savings	1.25%	1.26%
Min Balance $500 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
IRA Roth Savings	0.50%	0.50%
Min Balance $500 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
IRA Savings	0.25%	0.25%
Min Balance $5 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
uChoose Club Accounts	0.25%	0.25%
Min Balance $5 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Regular Savings	0.15%	0.15%
Min Balance $5,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Regular Savings	0.10%	0.10%
Min Balance $100 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Secondary Savings	0.10%	0.10%
Min Balance $100 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

EP Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.75%	Up to 10 Years
Details Fixed Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Home Equity Loan	-	-	6.25%	Up to 15 Years
Details Fixed Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Home Equity Line of Credit	-	-	6.75%	Open-end
Details Variable Rate; Maximum Rate 18% APR* Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

EP Credit Card Rates

Product	Rate	APR
FCU Credit Card	-	9.25%
Details Standard variable APR. Approval and rate depend on creditworthiness and other qualifications. The APR will vary with the market based on Prime Rate. Business Mastercard does not qualify for promotion. Available for new cardholders only. Rates, terms and conditions are subject to change without notice. Limited time offer. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Mastercard	-	9.25%
Details Standard variable APR. Approval and rate depend on creditworthiness and other qualifications. The APR will vary with the market based on Prime Rate. Business Mastercard does not qualify for promotion. Available for new cardholders only. Rates, terms and conditions are subject to change without notice. Limited time offer. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Mastercard Balance Transfers	-	9.25%
Details This APR will vary with the market based on the Prime Rate Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Mastercard Cash Advances	-	9.25%
Details This APR will vary with the market based on the Prime Rate Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Mastercard Purchases	-	9.25%
Details This APR will vary with the market based on the Prime Rate Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Secured Mastercard	-	15.00%
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Secured Mastercard Balance Transfers	-	15.00%
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Secured Mastercard Cash Advances	-	15.00%
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%
Secured Mastercard Purchases	-	15.00%
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.90%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for EP is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather EP rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with EP's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name EP

Website http://www.epfcu.org

Address 301 13th Street SW RM 215A, Washington, DC 20228 0001

Phone 202-318-1991

Fax 202-991-6967

President Gregory Boutin

CEO Ron Schneeberger

Full-Time Employees 12

Part-Time Employees 0

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.90%

Return on Assets (ROA)

0.0849%

Return on Equity (ROE)

1.0374%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

72,342,003

Total Amount of Shares and Deposits

66,999,301

Total Shares and Deposits < 1 Year

61,024,882

Total Shares and Deposits 1 3 Years

5,004,382

Total Shares and Deposits > 3 Years

970,037

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,205,604

Total Uninsured Shares and Deposits > $250K (F+J)

2,205,604

Total Insured Shares and Deposits > $250K (item 17 less item K)

64,793,697

Total Interest Expense (Sum of items 6 8)

406,625

Share Certificates

412

Number of Accounts for Share Drafts

2,455

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,222

All other shares

860

Non Member Deposits

Money Market Shares

128

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,903,670

Total Liabilities

67,344,564

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

EP earned the Verified Healthy badge

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About EP

How many branches does EP operate?

EP currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join EP?

Yes, to access services at EP, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, EP does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, EP provides members with tools to manage their accounts and build a solid financial history.

Does EP offer online and mobile banking?

Most modern institutions like EP provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.epfcu.org.