EECU

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SHARE & IRA CERTIFICATES

INDIVIDUAL RETIREMENT ACCOUNTS

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.

Traditional IRA

A savings vehicle that allows you to make annual contributions, all of which may be tax deductible.

Roth IRA

Invest your after-tax dollars, let the investment grow tax-deferred, and withdraw your principal and earnings tax-free after five years.

Coverdell Education Savings

Formerly the Education IRA, is an investment tool designed to help you save for a child's education expenses.

Learn more about Individual Retirement Accounts

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. You may also request to open a Share Certificate in Online Access Home Banking and the Mobile App. Complete the Request a Share Certificate form in the New Accounts and Loans menu.

Rates

rates_share_cert table
Term	Minimum Balance to open	APY*	Dividend Rate
91 Day
	$500	2.63%	2.60%
	$10,000	2.68%	2.65%
	$50,000	2.73%	2.70%
	$100,000	2.78%	2.75%
6 Month
	$500	2.99%	2.95%
	$10,000	3.04%	3.00%
	$50,000	3.09%	3.05%
	$100,000	3.14%	3.10%
1 Year
	$500	3.25%	3.20%
	$10,000	3.30%	3.25%
	$50,000	3.35%	3.30%
	$100,000	3.40%	3.35%
18 Month
	$500	3.30%	3.25%
	$10,000	3.35%	3.30%
	$50,000	3.40%	3.35%
	$100,000	3.45%	3.40%
2 Year
	$500	3.40%	3.35%
	$10,000	3.45%	3.40%
	$50,000	3.51%	3.45%
	$100,000	3.56%	3.50%
3 Year
	$500	3.45%	3.40%
	$10,000	3.51%	3.45%
	$50,000	3.56%	3.50%
	$100,000	3.61%	3.55%

* Annual Percentage Yields and dividend rates current as of 7:00 a.m. on July 1, 2025. Rates and terms are subject to change without notice. APY assumes principal and dividends remain on deposit for the length of the term. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.

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rates_ira_share_cert table
Term	Minimum Balance to open	APY*	Dividend Rate
1 Year	$500	3.25%	3.20%
18 Month	$500	3.30%	3.25%
2 Year	$500	3.35%	3.30%
3 Year	$500	3.40%	3.35%
4 Year	$500	3.45%	3.40%
5 Year	$500	3.51%	3.45%

* Annual Percentage Yields and dividend rates current as of 7:00 a.m. on July 1, 2025. Rates and terms are subject to change without notice. APY assumes principal and dividends remain on deposit for the length of the term. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.

rates_ira_share_savings table
From	To	APY*	Dividend Rate
$0.00	Any amount	.40%	.40%

* APY and rates in effect July 1, 2025. Rates and terms are subject to change without notice. APY assumes principal and dividends remain on deposit for the length of the term. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.

Print Rates

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