Smart saving has never been easier
Saving money is essential for future financial security and life's little emergencies. To help you
build up your assets, we offer a wide array of savings and investment accounts. Our regular
savings account establishes your membership. An initial deposit of $25 is required to be
eligible for all membership privileges.

Requirements & Benefits:
$25.00 minimum opening balance required.
With regular deposits and EFCU's competitive dividends, your savings will grow at a steady
pace. Enjoy ATM access, unlimited deposits and up to six withdrawals per month.
Earn dividends/interest monthly on balances over $25.00.


Fixed Rate Accounts

Regular Share Savings
Christmas Club
Special Savings
IRA
Money Market $1,000.00 to $9,999.99
Money Market $10,000.00 to $24,999.99
Money Market $25,000.00 to $74,999.99
Money Market $75,000.00 and greater
Dividend Rate (APR)

0.15%
0.15%
0.15%
0.35%
0.25%
0.35%
0.45%
0.55%
Dividend Yield (APY)

0.15%
0.15%
0.15%
0.35%
0.25%
0.35%
0.45%
0.55%
Dividends last paid on 06/30/2010.
Dividend rates are paid from current quarter earnings and are not guaranteed.

Savings Safari Club (Newborn thru 12 years)
Sorry, mom & dad, this one is just for the kids, 13 years and younger. Join us and get special
prizes when you save and a card on your birthday. Members can start their account with as
little as $5.00. Account must be brought to $25 within one year. Join us today!

Your child will receive: Membership Card, Savings passbook and small gifts with every deposit

Start Smart (13 -18)
Members under the age of 18 will be allowed to add to a Share Certificate balance during the
term of the Share Certificate. Deposits between $100.00 to $499.99 will carry the term and
rate of a 3 month Share Certificate.

Rate Information: APR = Annual Percentage Rate/APY = Annual Percentage Yield
ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE