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Introducing
High Voltage Checking

​We are excited to announce that our members can now earn dividends on their checking account with our new High Voltage Dividend/Reward Checking.  No need to sign up!  Your current checking account is automatically eligible.   

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Here's How:

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  • You must be enrolled in eStatements

  • Have at least 13 debit card transactions post and settle each Qualification Period*

  • Have at least $300 direct deposited by ACH into the checking account each Qualification Period*
     

​ *Qualification Period starts on the 1st day of the month and ends on the last day of the month.  

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This is a reverse tier type of account product, so the highest rate is earned on the smaller balance range. Dividends for High Voltage Checking are only paid at the end of each month if all qualifications are met during the Qualification Period.  If the qualifications are not met, no dividends will be paid for that month. Members who do not have a share draft/checking or like using debit cards always have the option to earn dividends on our other savings and certificate products.

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Current Tiers and Rates:

Dividends are compounded daily and credited monthly.  Dividend Rates and APY are subject to change without notice.  Earnings could be reduced if fees are added.  If an account is closed before dividends are paid for the current period, the credit union will withhold dividends that have been accrued but not paid for that period.  Membership eligibility is required.  One High Voltage Checking account allowed per primary member.  

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$0.00 to $4,999.99

Dividend Rate: 3.50%

APY: 3.55%

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$5,000.00 to $9,999.99

Dividend Rate: 2.50%

APY: 2.53%

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$10,000.00 or More

Dividend Rate: 0.50%

APY: 0.50%

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Qualifications not met during

Qualification Period

Dividend Rate: 0.00%

APY: 0.00%

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APY = Annual Percentage Rate

Funds are federally insured by NCUA

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EFCU

5080 W 60th Avenue

Arvada, CO  80003

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NMLS #1028973

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303-428-5080

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*APR (%) = Annual Percentage Rate

**APY=Annual Percentage Yield

 

​Accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

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After Hours/Mastercard Debit Card:

1-833-933-1681 - Domestic

1-812-647-9794 - International

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You can also turn off or report your EFCU Mastercard Debit Card stolen within your EFCU Digital or Mobile Banking account. 

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After Hours/Visa Credit Card:

1-800-247-4222

 

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Routing Number: 302075416

© 2025 by Electrical Federal Credit Union. All Rights Reserved.
If you need accessibility assistance with any of EFCU's digital properties, please email us at: memberservices@electricalfcu.org or call 303-428-5080

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