Savings & Certificate Accounts

Your organization’s needs change. Pick the savings account that meets them!

Starting out, you just need a basic savings account. Later, it might be easier access to your funds or a higher interest rate. Whatever your organization’s savings needs are today, we offer an account to meet them.

Ministry Savings

This is your basic savings account. It’s economical and gives you easy access to your funds.

Cash Reserves Savings

Save more and you should earn more, and you do with this high-yield savings account. You also earn a quarterly bonus when balances increase.

Money Market Plus

You get better rates plus easy access to your funds (by check) with this money market account.

Money Market Maximizer

You get great rates plus easy access to your funds (by check) with this highest-earning money market account.

Certificates

Maximize your returns with ECCU high-yield certificates. Just $1,000 to open.

Insured Money Market Reserve

The ideal program to protect and grow your non-operating reserves. For reserves that exceed the $250,000 NCUA federal insurance limit.

	Money Market Plus Learn More	Money Market Maximizer Learn More	Ministry Bonus Money Market Learn More
Right for you if...	You want to earn more with easy access to your funds	You want better rates with easy access to your funds	You want to earn more and save on other ECCU services
Interest Rate	up to 0.02% APY¹	up to 0.02% APY¹	up to 0.02% APY¹
Minimum Opening Deposit	$2,500	$25,000	$25,000
Monthly Maintenance Fee	$10	$20	$20
How to keep it free	$2,500 minimum daily balance	$25,000 minimum daily balance	$25,000 minimum daily balance

	Ministry Savings Learn More	Cash Reserves Savings Learn More
Right for you if...	You need a basic savings account	You save more and want to earn more
Interest Rate	0.02% APY¹	up to 0.02% APY¹
Minimum Opening Deposit	$500	$10,000
Monthly Maintenance Fee	$5	None
How to keep it free	$500 minimum daily balance	Always free

Rates Effective: December 01, 2021

¹APY is Annual Percentage Yield. APY assumes that dividends remain on deposit for one year. Withdrawal of dividends and fees could reduce earnings.

Please refer to ECCU's Account Agreement and Disclosures and Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice. For current dividend rates and annual percentage yields, call Member Services at 800.921.1130 or internationally at 714.671.5705.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration (NCUA), a U.S. Government Agency.