Deposit Account Rates
Rates listed are for variable rate accounts and are subject to change based upon market conditions
Printer friendly copy of the rate and fee schedule in PDF format (PDF reader required)
Regular Share Accounts** (effective 10/01/11)
| Account Balance |
Annual % Yield |
Dividend Rate |
| $50,000.00 and Over |
0.551% |
0.550% |
| $25,000.00 – $49,999.99 |
0.451% |
0.450% |
| $10,000.00 – $24,999.99 |
0.350% |
0.350% |
| $5,000.00 – $9,999.99 |
0.300% |
0.300% |
| $2,500.00 – $4,999.99 |
0.250% |
0.250% |
| $500.00 – $2,499.99 |
0.100% |
0.100% |
*ECU computes dividends based on the average daily balance and posts and compounds dividends quarterly. The Credit Union requires a minimum balance of $25.00, otherwise, a monthly service charge of $5.00 is assessed to the account. There is a service charge of $2.00 for each withdrawal after the first 2 withdrawals in a month.
** If an account is closed before the quarterly posting of accrued dividends, no dividends will be paid.
Savings calculator
Youth Share Accounts** (effective 10/01/11)
| Account Balance |
Annual % Yield |
Dividend Rate |
| $50,000.00 and Over |
0.551% |
0.550% |
| $25,000.00 – $49,999.99 |
0.451% |
0.450% |
| $10,000.00 – $24,999.99 |
0.350% |
0.350% |
| $5,000.00 – $9,999.99 |
0.300% |
0.300% |
| $2,500.00 – $4,999.99 |
0.250% |
0.250% |
| $0.01 – $2,499.99 |
0.100% |
0.100% |
*ECU computes dividends based on the average daily balance and posts and compounds dividends quarterly. The Credit Union requires a minimum balance of $25.00, otherwise, a monthly service charge of $5.00 is assessed to the account. There is a service charge of $2.00 for each withdrawal after the first 2 withdrawals in a month.
* If an account is closed before the quarterly posting of accrued dividends, no dividends will be paid.
Savings calculator
Share Draft / Checking Accounts**(effective 01/01/11)
| Account Balance |
Annual % Yield |
Dividend Rate |
| $5,001.00 and Over |
0.10% |
0.10% |
*ECU computes dividends based on the average daily balance and posts and compounds dividends monthly. The Credit Union requires a minimum balance of $25.00 otherwise, a monthly service charge of $5.00 is assessed to the account.
** If an account is closed before the quarterly posting of accrued dividends, no dividends will be paid.
Elite Share Draft / Checking Accounts**(effective 01/01/11)
| Account Balance |
Annual % Yield |
Dividend Rate |
| $5,001.00 and Over |
0.351% |
0.350% |
*ECU computes dividends based on the average daily balance and posts and compounds dividends monthly. The Credit Union requires a minimum balance of $25.00 otherwise, a monthly service charge of $5.00 is assessed to the account.
** If an account is closed before the quarterly posting of accrued dividends, no dividends will be paid.
Money Savers Accounts (effective 10/01/11)*
| Account Balance |
Annual % Yield |
Dividend Rate |
| $50,000.00 and Over |
0.5522% |
0.550% |
| $25,000.00 – $49,999.99 |
0.451% |
0.450% |
| $10,000.00 – $24,999.99 |
0.351% |
0.350% |
| $5,000.00 – $9,999.99 |
0.300% |
0.300% |
| $2,500.00 – $4,999.99 |
0.250% |
0.250% |
*ECU compounds and pays dividends monthly. There is a service charge of $2.00 for each withdrawal after the first 3 withdrawals in a month.
Christmas Club Accounts** (effective 07/01/09)
| Account Balance |
Annual % Yield |
Dividend Rate |
| $0.01 and Over |
0.100% |
0.100% |
*ECU computes dividends based on the average daily balance and posts and compounds dividends quarterly, and distributes dividends annually in October – no withdrawals permitted between 1/31 and 10/5.
** If an account is closed prior to the quarterly posting of accrued dividends, no dividends will be paid.
Certificate of Deposit Share Accounts (effective 09/13/11)
| Term – Account Balance |
Annual % Yield |
Dividend Rate |
| 1 Year – $5,000.00 Minimum |
0.150% |
0.150% |
| 2 Year – $5,000.00 Minimum |
0.450% |
0.450% |
| 3 Year – $5,000.00 Minimum |
0.750% |
0.750% |
| 4 Year – $5,000.00 Minimum |
1.000% |
1.000% |
| 5 Year – $5,000.00 Minimum |
1.250% |
1.250% |
Early Withdrawal Penalty: A loss of 9 months’ interest on all certificates. Interest paid annually to regular share account.
Individual Retirement Account (effective 10/01/11)
| Account Balance |
Annual % Yield |
Dividend Rate |
| $50,000.00 and Over |
0.551% |
0.550% |
| $25,000.00 – $49,999.99 |
0.451% |
0.450% |
| $10,000.00 – $24,999.99 |
0.350% |
0.350% |
| $5,000.00 – $9,999.99 |
0.300% |
0.300% |
| $2,500.00 – $4,999.99 |
0.250% |
0.250% |
| $0.00 – $2,499.99 |
0.100% |
0.100% |
*ECU computes dividends based on the average daily balance and posts and compounds dividends quarterly.
** If an account is closed prior to the quarterly posting of accrued dividends, no dividends will be paid.
Certificate of Deposit IRA Accounts (effective 09/13/11)
| Term – Account Balance |
Annual % Yield |
Dividend Rate |
| 1 Year – $5,000.00 Minimum |
0.150% |
0.150% |
| 2 Year – $5,000.00 Minimum |
0.450% |
0.450% |
| 3 Year – $5,000.00 Minimum |
0.750% |
0.750% |
| 4 Year – $5,000.00 Minimum |
1.000% |
1.000% |
| 5 Year – $5,000.00 Minimum |
1.250% |
1.250% |
Early Withdrawal Penalty: A loss of 9 months’ interest on all certificates. Interest paid annually to IRA share account.
