Deposit Rates
ECU Credit Union interest rates are set by the Interest Rate Committee; their goal is to set the best possible rates the Credit Union can offer given the current market conditions.  
Rates listed are for variable rate accounts and are subject to change based upon market conditions  
Please contact ECU at (800) 382-2400 for current Rates
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Money Savers Rates

Average Daily Balance
*Annual Percentage Yield (APY)
Dividend Percentage Rate
$50,000.00 and Over
0.150%
0.150%
$10,000.00 - $49,999.99
0.100%
0.100%
$2,500.00 - $9,999.99
0.050%
0.050%
*Dividends compounded daily, paid monthly.
Minimum Balance $2,500.00
(Rates Effective January 1, 2021)

Regular Share Savings

Average Daily Balance
*Annual Percentage Yield (APY)
Dividend Percentage Rate
$50,000.00 and Over
0.150%
0.150%
$10,000.00 - $49,999.99
0.100%
0.10​0%
$500.00 - $9,999.99
0.050%
0.050%
*Dividends will be computed on the average daily balance with quarterly posting and compounding.  Minimum Balance $25.00, Minimum Average Daily Balance to earn dividends $500  (Rates Effective January 1, 2021)

Share Draft Checking Rates

Average Daily Balance
*Annual Percentage Yield (APY)
Dividend Percentage Rate
Elite Checking:
-
-
$5,001 and Over
0.100%
0.100%
Regular Checking:
-
-
$5,001 and Over
0.050%
0.050%
*Dividends will be computed on the average daily balance with monthly posting and compounding. Minimum balance of $25.00.
(Rates Effective October 1, 2020)

Individual Retirement Account (IRA)

Average Daily Balance
*Annual Percentage Yield (APY)
Dividend Percentage Rate
$50,000.00 and Over
0.150%
0.150%
$10,000.00 - $49,999.99
0.100%
0.100%
$0.00 - $9,999.99
0.050%
0.050%
*Dividends will be computed on the average daily balance with quarterly posting and compounding.
(Rates Effective January 1, 2021)

Youth Share Savings

Average Daily Balance
*Annual Percentage Yield (APY)
Dividend Percentage Rate
$50,000.00 and Over
0.150%
0.150%
$10,000.00 - $49,999.99
0.100%
0.100%
$0.00 - $9,999.99
0.050%
0.050%
*Dividends will be computed on the average daily balance with quarterly posting and compounding.  Minimum Balance $25.00
(Rates Effective January 1, 2021)

Christmas Club Account

Average Daily Balance
*Annual Percentage Yield (APY)
Dividend Percentage Rate
$0 and Up
0.050%
0.050%
*Dividends will be computed on the average daily balance with quarterly posting and compounding.
(Rates Effective October 1, 2009)

Certificate Account

Contact Credit Union for current interest rates and maturities.
NCUA logo with link to the NCUA website.
If account is closed prior to the posting of accrued dividends no dividends will be paid.
​Dividends are based on the Credit Union's earnings at the end of a dividend period. All rates are subject to change without notice.
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YOUR SAVINGS IS FEDERALLY INSURED TO AT LEAST $250,000 AND BACKED BY THE FULL FAITH AND CREDIT OF THE UNITED STATES GOVERNMENT - National Credit Union Administration, a U.S. Government Agency