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Accounts/Rates

As your Union Credit Union in the Denver, Colorado area, EFCU offers a wide range of account types to help serve your financial needs. Whether you’re interested in a basic Share/Savings account or an IRA, we’ve got you covered. We also offer free checking with no minimum balance requirement and a free debit card!

 
Share/Savings Deposit Rates

 Rate Information: APR = Annual Percentage Rate & APY = Annual Percentage Yield
 

Account Type

Dividend Rate-APR

Dividend Yield- APY

Minimum Balance

Share/Savings

0.05%

0.05%

$25.00

Special Shares

0.05%

0.05%

N/A

Christmas Club

0.05%

0.05%

N/A

Christmas Club Restricted

0.05%

0.05%

N/A

 
*Dividend rates are paid from current quarter earnings and are not guaranteed.  The dividend rate and annual percentage yield (APY) are subject to change, without notice.
 
*All savings account earnings could be reduced if fees are added.
 
*Membership eligibility required.
 
 
Money Market Deposit Rates

 

Money Market

Dividend Rate-APR

Dividend Yield- APY

Minimum Balance

$1,000-$9,999

0.15%

0.15%

$1,000

$10,000-$24,999

0.17%

0.17%

$10,000

$25,000-$74,999

0.20%

0.20%

$25,000

 $75,000 and Greater

0.25%

0.25%

$75,000

 
*Dividend rates are paid from current quarter earnings and are not guaranteed.  The dividend rate and annual percentage yield (APY) are subject to change, without notice.

*All savings account earnings could be reduced if fees are added.

*Membership eligibility required.
 
 
 Share Certificate (CD) Rates


 Share Certificate (CD)

Dividend Rate- APR

Dividend Yield- APY

Minimum Balance

3-Month

0.15%

0.15%

$250

6-Month

0.20%

0.20%

$1,000

12-Month

0.50%

0.50%

$1,000

24-Month

0.70%

0.70%

$1,000

36-Month

1.00%

1.01%

$1,000

48-Month

1.30%

1.31%

$1,000

 
*Dividend rates are paid from current quarter earnings and are not guaranteed.
 
*The dividend rate and annual percentage yield (APY) are subject to change, without notice, at anytime prior to the issuance of the certificate. After the point of issuance dividend rates and annual percentage yield (APY) are fixed. 
 
**Early withdrawal penalties apply.  Share 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 of the owner or liquidation of the credit union.  Share 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. 
 
*CD earnings could be reduced if fees are added.
 
*Membership eligibility required.
 

IRA Saving/Certificate (CD) Deposit Rates

 
 

Traditional IRA

Dividend Rate- APR

Dividend Yield- APY

Minimum Balance

IRA Share/Savings

0.30%

0.30%

N/A

IRA 6-Month CD

0.20%

0.20%

$500

IRA 6-Month CD

0.25%

0.25%

$1,000

IRA 12-Month CD

0.50%

0.50%

$1,000

IRA 24-Month CD

0.70%

0.70%

$1,000

IRA 36-Month CD

1.00%

1.01%

$1,000

 IRA 48 Month CD

 1.30%

 1.31%

 $1,000

 
*Dividend rates are paid from current quarter earnings and are not guaranteed.
 
*The dividend rate and annual percentage yield (APY) are subject to change, without notice, at anytime prior to the issuance of the certificate. After the point of issuance dividend rates and annual percentage yield (APY) are fixed. 
 
*Early withdrawal penalties apply.  Share 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 of the owner or liquidation of the credit union.  Share 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. 
 
*CD earnings could be reduced if fees are added.
 
*Membership eligibility required.
 
  
 
Disclosures  /  Privacy Policy  /  Careers  /  Routing Number: 302075416  / NMLS #: 1028973 
Electrical Federal Credit Union • 5080 W 60th Avenue, Arvada, CO  80003
    Phone: 303.428.5080 • Toll-Free: 1.888.428.5080  
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                                                                                                Federally Insured by NCUA                          An Equal Housing Lender
 
Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
 National Credit Union Administration, a U.S. Government Agency.
 
APY = Annual Percentage Yield | APR = Annual Percentage Rate
 
*Rates are based on an evaluation of credit history, so your rate may differ. 
 
© 2017 Electrical Federal Credit Union - All rights reserved.