EECU

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SHARE & IRA CERTIFICATES

SHARE CERTIFICATE RATES

INDIVIDUAL RETIREMENT ACCOUNTS

IRA CERTIFICATE & IRA SHARE SAVINGS RATES

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 February 11, 2020

rates_share_cert table
Term	Minimum Balance to open	Annual Percentage Yield (APY)	Dividend Rate
91 Day
	$2,000	0.40%	0.40%
	$5,000	0.45%	0.45%
	$10,000	0.50%	0.50%
	$50,000	0.55%	0.55%
	$100,000	0.60%	0.60%
6 Month
	$2,000	0.70%	0.70%
	$5,000	0.75%	0.75%
	$10,000	0.80%	0.80%
	$50,000	0.85%	0.85%
	$100,000	0.90%	0.90%
1 Year
	$2,000	1.16%	1.15%
	$5,000	1.21%	1.20%
	$10,000	1.26%	1.25%
	$50,000	1.31%	1.30%
	$100,000	1.36%	1.35%
18 Month
	$1,000	1.26%	1.25%
	$50,000	1.31%	1.30%
	$100,000	1.36%	1.35%
2 Year
	$500	1.36%	1.35%
	$50,000	1.46%	1.45%
	$100,000	1.51%	1.50%
3 Year
	$500	1.41%	1.40%
	$50,000	1.51%	1.50%
	$100,000	1.56%	1.55%

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

Super Saver 3-Year IRA Certificate

Minimum Balance	APY*
$500	2.00%

*APY = Annual Percentage Yield. Certificate must be opened between 2/15/2020 – 4/15/2020. Penalty for early withdrawal. Minimum balance to obtain the APY is $500; the maximum IRA certificate is $200,000 per IRA account. Funds used to open the certificate must have been on deposit at EECU as of 1/1/2020.

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 February 11, 2020

rates_ira_share_cert table
Term	Minimum Balance to open	Annual Percentage Yield (APY)	Dividend Rate
1 Year	$2,000	1.21%	1.20%
1 Year	$5,000	1.26%	1.25%
1 Year	$10,000	1.31%	1.30%
18 Month	$1,000	1.41%	1.40%
2 Year	$500	1.66%	1.65%
3 Year	$500	1.71%	1.70%
4 Year	$500	1.76%	1.75%
5 Year	$500	1.92%	1.90%