SAVINGS ACCOUNTS
SAVINGS RATES
CHECKING ACCOUNTS
CHECKING RATES
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
Summer Planner Account
Our Summer Planner account is exclusively for school employees to set money aside for the months when they may not receive a paycheck and/or to save a little extra for the summer months.
Features and benefits include:
- $5 to open account; dividends paid on balances over $0
- Higher dividends than our regular savings account
- No minimum balance required to maintain account
- Make deposits in person, or via ATM, phone, online, or automatic transfer
- Summer Planner savings are automatically transferred at the beginning of July to your savings or checking account
- One early withdrawal allowed per annual term
- Account automatically renews each year
Rates
| From | To | APY* | Dividend Rate |
|---|---|---|---|
| $.00 | $249.99 | no dividends paid on this range | |
| $250.00 | $4,999.99 | .10% | .10% |
| $5,000.00 | $9,999.99 | .15% | .15% |
| $10,000.00 | Over | .20% | .20% |
* Annual Percentage Yields (APY) and dividend rates in effect April 1, 2025. Rates and terms are subject to change without notice. Fees may reduce earnings. Minor accounts earn the same APY as regular share savings accounts, but begin earning dividends on balances of less than $250.
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| From | To | APY* | Dividend Rate |
|---|---|---|---|
| $0.00 | $12,000.00 | .30% | .30% |
* Annual Percentage Yield (APY) and dividend rate in effect April 1, 2025. Rates and terms are subject to change without notice. Maximum account balance is $12,000. $5 fee for each early withdrawal prior to club year-end on October 31. Balance transferred November 1 to savings or checking. Account automatically renews unless canceled or changed. Fees may reduce earnings.
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| From | To | APY* | Dividend Rate |
|---|---|---|---|
| $0.00 | $12,000.00 | .30% | .30% |
* Annual Percentage Yield (APY) and dividend rate in effect April 1, 2025. Rates and terms are subject to change without notice. Maximum account balance is $12,000. One early withdrawal allowed each account term prior to July 1. Balance transferred July 1 to savings or checking. Account automatically renews unless canceled or changed.
Checking Accounts
Checking Routing & Transit Number - 321172594
Use the account features table below to choose the checking account that’s right for you.
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
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 |  |
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| No Monthly Maintenance Charge | |
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| Direct Deposit | |
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| Online Access Home Banking | |
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| Mobile Banking | |
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| Mobile Check Deposit¹ | |
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| Monthly Dividend | on balances of $500 or more |
on balances of $500 or more |
on balances of $500 or more |
| Personal Telephone Access (PTA) | |
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| No Minimum Balance Requirement | |
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| Nationwide CO-OP ATM Access | |
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| Overdraft Protection | |
N/A | |
| Checks | |
N/A | |
¹Mobile Check Deposit is subject to eligibility.
Rates
| From | To | APY* | Dividend Rate |
|---|---|---|---|
| $.00 | $499.99 | no dividends paid on this range | no dividends paid on this range |
| $500.00 | Over | .05% | .05% |
* Annual Percentage Yield (APY) and dividend rate in effect April 1, 2025. Rates and terms are subject to change without notice. Fees may reduce earnings.
