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Savings

Our savings accounts are designed with the member in mind. A 12-year-old doesn’t have the same savings goals as a 42-year-old, so why should they have the same savings account?

Stork Club (Age 0-2)

Receive a welcome kit with a piggy bank and more!

With the first $10 deposit, we will add an additional $5!

Participate in fun events like play dates, prize drawings and more.

Kirby Kangaroo Club (Age 2-12)

Receive Kirby Bucks for every $10 deposit. Then redeem them for cool prizes!

ECCU will make a $5 deposit for awards earned at school (honor roll, perfect attendance and athletic awards).

Participate in fun events like coloring contests, prize drawings and more.

CU Succeed (Age 12-18)

Get FREE Checking and Online Banking. (Adult must be co-owner of account).

ECCU will make a $5 deposit for awards earned at school (honor roll, perfect attendance and athletic awards).

Participate in events like financial seminars, scholarship programs, special offers and more.

Choices (Age 18-25)

Get FREE Checking with ATM/Check Card and Online Banking.

Participate in events like financial seminars and more.

Striving To Achieve Results (STAR) Club (Age 25-55)

Get FREE Checking with ATM/Check Card and Online Banking.

Participate in events like social outings, informational seminars and more.

Prime Times Club (Age 55+)

Get FREE gift cards, cashiers checks and FREE box of checks annually.

Get FREE Checking with an ATM/Check Card and Online Banking.

Participate in events like social outings, informational seminars and more.

Special Savings Account

Once you’ve established your regular savings account with us, you can also open secondary savings accounts for whatever savings needs you may have. Set aside money for vacations, tuition, taxes or any other purpose. There is no minimum balance to start this savings account, but you must maintain an average daily balance of $100 to earn interest.

Christmas Club

This is a convenient account that allows you to save money all year for Christmas expenses. There is no minimum balance to start this savings account, but you must maintain an average daily balance of $100 to earn interest.

Certificates Of Deposit

This account allows you to earn more dividends than a standard savings account. We offer terms from six months to three years with competitive rates.

IRA Options

Traditional IRA

This type of IRA offers tax-deferred earnings, and the possibility for tax-deductible contributions.

Roth IRA

This IRA offers more incentives to boost your retirement savings. Unlike Traditional IRAs, your contributions to a Roth IRA are never tax-deductible.

U.S. Savings Bonds

Most U.S. Savings Bonds may be redeemed through Educational Community Credit Union. Online bond purchases may be conducted directly with the U.S. Treasury through Treasury Direct.

Your Money Is Safe With Us

All ECCU accounts are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA). Plus, the NCUA now insures IRAs up to $250,000.

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