Account Products

Saving money is a fantastic step towards securing your financial future and tackling those unexpected surprises life throws your way! We're here to help you grow your assets with an exciting selection of savings and investment accounts. Kickstart your journey with our regular savings account, which opens you to all membership perks for just a $25 initial deposit.

Ready to explore more account options? Give us call at 303.428.5080 or shoot us an email at www.memberservices.org. Let’s start building your future together!

SHARES/SAVINGS

Shares/Savings

Get ready to kickstart your savings journey with a Share Savings Account, the foundation of your financial success at EFCU! Join today by opening your account with just a minimum initial deposit of $25.00. Plus, enjoy a fantastic current APY of 0.10%*!

Let's make your savings dreams a reality!

Open an Account

Special Shares

Looking for a dedicated savings account for a specific goal? A Special Share Savings Account can assist you in reaching your target!

Current APY*: 0.10%

Email Us to Request

Share Certificates

Kickstart your savings journey today with a certificate! - Enjoy higher interest rates than standard savings! - Benefit fixed rates! - Choose from a variety of term lengths! - Get started with just a $1,000 minimum! - Just a heads up: penalties for withdrawal may apply!

See Current Rates

Round Up Account

Get ready to supercharge your savings! Once you sign up every time you use your debit card, we'll round up your transactions to the nearest dollar, and that extra will be automatically transferred to your Round-Up Savings Account. It's so exciting to watch your savings grow!

Share Draft/Checking

EFCU provides dividend earning checking accounts without any monthly service fees for balance requirements. You can easily view and print copies of cleared checks through your online. Additionally, we offer a complimentary Mastercard® debit card and other services, including the option to apply for Courtesy Pay.

Add a Share Draft

Money Market

Our Money Market accounts provide a range of dividend rates. To open a Money Market Account, a minimum deposit of $1,000 is required, and you can make up to two withdrawals per month without incurring a fee (a $15 fee applies for each additional withdrawal made in that month)**.

See Current Rates

Christmas Club

Get ready to celebrate the season with our fantastic Christmas Club account! It's the perfect way for our members to save up for their holiday shopping without any pesky early withdrawal fees.

Current APY*: 0.10%

Email Us to Request

IRA Certificates

Get excited about your future with an IRA! It's a fantastic and secure way to your retirement savings. Enjoy the benefits of earning tax-deferred dividends while you prepare for the golden years ahead. At EFCU, we provide both traditional IRA savings accounts and IRA certificates with a variety of terms to suit your needs!

See Current Rates

See Account Rates

*Dividend rates on all products are paid from current quarter earnings and are not guaranteed. The dividend rates and Annual Percentage Yield (APY) are subject to change without notice. For Share Certificates the APR and APY are subject to change without notice at anytime prior to the issuance of the certificate. After the point of issuance APR and APY are fixed until maturity.

**For Money Market, two free withdrawals are allowed per month. There is a $15.00 fee assessed per each additional withdrawal.

***For Share & IRA Certificates, early withdrawal penalties apply. Share & IRA Certificates with a 12-month term or less, surrendered for payment prior to the maturity date will forfeit 90 days of interest, except in the death. Share & IRA Certificates greater than 12 months, surrendered for payment prior to the maturity date will forfeit 180 days of interest, except in the death of the owner or the liquidation of the credit union.

All account earnings could be reduced if fees are added.

Membership eligibility required for all products.

APY=Annual Percentage Yield.