Share & IRA Certificates

EECU offers high-yield Share & IRA Certificates to meet virtually every investment need. Compare our investment options with those of other financial institutions and you'll probably find that EECU offers higher dividends and more choices.

  • Invest a set amount of money for a specific length of time
  • Higher investment rates than a regular share account
  • IRA certificates offer the additional benefit of certain tax advantages
  • Insured by the National Credit Union Share Insurance Fund (NCUSIF), part of the National Credit Union Administration (NCUA), a federal agency.

Individual Retirement Accounts

We offer two types of Individual Retirement Accounts: Traditional and Roth. We also offer the Coverdell Education Savings Account (formerly the Education IRA). All are available as IRA Share Savings or IRA Share Certificates.

The Traditional IRA is a savings vehicle that allows you to make annual contributions, all of which may be tax deductible.

The Roth IRA allows you to invest your after-tax dollars today, let the investment grow tax-deferred, and withdraw your principal and earnings tax-free after five years.

The Coverdell Education Savings Account (formerly the Education IRA) is an investment tool designed to help you save for a child's education expenses.

All feature:

  • No annual fees
  • Dividends paid monthly or at maturity (compounded into the certificate balance, transferred to a share account, or mailed to your address on file)
  • Insured for up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), part of the National Credit Union Administration (NCUA), a federal agency.

For more information or to open a certificate or an Individual Retirement Account, call our Member Service Center at 1-800-538-3328 or visit any EECU branch.

Share Certificate Rates

Rates and terms are subject to change without notice.
Annual Percentage Yields and rates current as of 7:00 a.m. on November 13, 2018

TermMinimum Balance to openAnnual Percentage Yield (APY)Dividend Rate
91 Day
 $2,0000.30%0.30%
 $5,0000.35%0.35%
 $10,0000.40%0.40%
 $50,0000.45%0.45%
 $100,0000.50%0.50%
6 Month
 $2,0000.50%0.50%
 $5,0000.55%0.55%
 $10,0000.60%0.60%
 $50,0000.65%0.65%
 $100,0000.70%0.70%
1 Year
 $2,0000.80%0.80%
 $5,0000.85%0.85%
 $10,0000.90%0.90%
 $50,0000.95%0.95%
 $100,0001.00%1.00%
18 Month
 $1,0000.90%0.90%
 $50,0000.95%0.95%
 $100,0001.00%1.00%
2 Year
 $5001.16%1.15%
 $50,0001.26%1.25%
 $100,0001.31%1.30%
3 Year
$5001.16%1.15%
$50,0001.21%1.20%
$100,0001.31%1.30%

APY assumes principal and dividends remain on deposit for the length of the term. Penalty for early withdrawal.

IRA Share Certificate and IRA Share Savings Rates

IRA Share Certificates

Rates and terms are subject to change without notice.
Annual Percentage Yields and rates current as of 7:00 a.m. on November 13, 2018

TermMinimum Balance to openAnnual Percentage Yield (APY)Dividend Rate
1 Year$2,0001.05%1.05%
1 Year$5,0001.10%1.10%
1 Year$10,0001.16%1.15%
18 Month$1,0001.05%1.05%
2 Year$5001.46%1.45%
3 Year$5001.51%1.50%
4 Year$5001.56%1.55%
5 Year$5001.71%1.70%

IRA Share Savings Accounts

Rates and terms are subject to change without notice.
APY and rates in effect November 1, 2018

Dollar Amount FromDollar Amount ToAnnual Percentage Yield (APY)Dividend Rate
$0.00Any amount.55%.55%

APY assumes principal and dividends remain on deposit for the length of the term. Penalty for early withdrawal.