Savings & Checking Accounts

Band Title

Band Subtitle

Zone Title

Zone Subtitle

Feature Wrap Title

Feature Wrap Subtitle

Savings Accounts

At EECU, we offer a wide variety of share savings accounts to give you real flexibility in meeting your savings needs. Savings accounts are insured to at least $250,000 and backed by the National Credit Union Administration (NCUA) a federal agency of the United States Government. To see how share insurance limits are calculated, visit the NCUA's website at www.mycreditunion.gov/estimator.

Savings Account

Our savings account gives you easy access to your funds, and offers the following features and benefits:

  • $5 to open and maintain account ($10 for joint accounts)
  • Dividends paid on balances of $250 or more
  • Free ATM Card
  • Free Switch Kit to help you move your accounts to EECU

Sub-Share (Savings) Account

Perfect for "emergency money," vacation cash, or any other funds you wish to keep in a separate account from your main savings. Money can be easily transferred to and from these accounts.

Minor Savings Account

We encourage our young members to begin the habit of saving money early in life. Features and benefits include:

  • $5 to open and maintain account
  • Special 4Kids account for kids ages 0-12; Cash Crew account for youth ages 13-17
    • Cash Crew accounts may have a regular Savings account or a Minor Savings account
  • Dividends paid on balances over $0

Holiday Wise Club Account

Saving for holiday shopping has never been easier. Make monthly deposits into this account throughout the year. Features and benefits include:

  • $5 to open account; dividends paid on balances over $0
  • No minimum balance required to maintain account
  • Make deposits in person, or via ATM, phone, online, or automatic transfer
  • Club savings are automatically transferred in November to your savings or checking account
  • Account automatically renews each year

Rates


Rates and terms are subject to change without notice.
Annual Percentage Yields and rates in effect March 1, 2024

rates_savings_account table
Dollar Amount FromDollar Amount ToAnnual Percentage Yield (APY)Dividend Rate
$.00$249.99no dividends paid on this range
$250.00$4,999.99.10%.10%
$5,000.00$9,999.99.15%.15%
$10,000.00Over.20%.20%

Minor accounts earn the same APY as regular share savings accounts, but begin earning dividends on balances of less than $250.

Rates and terms are subject to change without notice.
Annual Percentage Yields and rates in effect March 1, 2024

>

rates_savings_holiday_wise table
Dollar Amount FromDollar Amount ToAnnual Percentage Yield (APY)Dividend Rate
$0.00$12,000.00.30%.30%

Checking Accounts

Checking Routing & Transit Number - 321172594

Use the account features table below to choose the checking account that’s right for you.

Online Check Reorder-click here

Checking Account

Our Checking account has no monthly maintenance fee and a full suite of services to help you manage your money. With our mobile app, you can transfer money, pay bills and more – anytime, anywhere. Overdraft protection, balance alerts and fraud alerts are just a few of the additional features that offer peace of mind for today’s busy consumer.

Right Start Checking Account

EECU Right Start, Bank On Certified 2023 to 2024, since January 2023.Our Right Start Checking account helps you manage your spending and save money, without worrying about costly fees.

The account is simple, safe and functional with no monthly fee and no checks. An EECU Visa® Debit card is included with the account, so you can make purchases and enjoy convenient access to your money at surcharge-free CO-OP ATMs nationwide. And because overdraft protection isn’t available on the Right Start Checking account, transactions that exceed the amount in your account will be automatically declined, which ensures that you won’t spend more money than you have and you won’t incur expensive overdraft fees.

EECU’s Right Start Checking account is Bank On certified through the national nonprofit organization Cities for Financial Empowerment Fund that works to ensure that everyone has access to a safe, affordable, transactional banking account.

Golden Owl Checking Account

If you’re an EECU member age 55 or over, you’re eligible for our Golden Owl Checking account, which has the same features as our Checking account plus a special package of benefits:

  • Free check printing
  • Free bank-by-mail envelopes
  • Free photocopies (up to five per week)
  • Free notary service
  • Golden Owl Visa (for approved members age 62 and over)
 
  Checking Right Start Checking Golden Owl Checking
Account Features      
Minimum Opening Deposit $5.00 $5.00 $5.00
Debit Card Yes Yes Yes
No Monthly Maintenance Charge Yes Yes Yes
Direct Deposit Yes Yes Yes
Online Access Home Banking Yes Yes Yes
Mobile Banking Yes Yes Yes
Mobile Check Deposit¹ Yes Yes Yes
Monthly Dividend Yes on balances of $500 or more Yes on balances of $500 or more Yes on balances of $500 or more
Personal Telephone Access (PTA) Yes Yes Yes
No Minimum Balance Requirement Yes Yes Yes
Nationwide CO-OP ATM Access Yes Yes Yes
Overdraft Protection Yes N/A Yes
Checks Yes N/A Yes

¹Mobile Check Deposit is subject to eligibility.

Rates


Rates and terms are subject to change without notice.
Annual Percentage Yields and rates in effect March 1, 2024

rates_checking table
Dollar FromDollar ToAnnual Percentage Yield (APY)Dividend Rate
$.00$499.99no dividends paid on this rangeno dividends paid on this range
$500.00Over.05%.05%

Print Rates

Group of young adults

ABOUT USBECOME A MEMBER

Exterior of branch building

BRANCHES & ATMsFIND A BRANCH/ATM

Woman viewing laptop

ONLINE BANKINGENROLL IN ONLINE BANKING