Deposit
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 no interest checking with no minimum balance requirement and a free debit card!
Rates Quoted as of 06/01/2025 and are subject to change without notice.
Truth in Savings Disclosure
APY = Annual Percentage Yield
Product Type | Dividend Rate | APY | Minimum Balance |
|---|---|---|---|
Shares | 0.10% | 0.10% | $25.00 |
Club/Special Shares | 0.10% | 0.10% | N/A |
Christmas Club | 0.10% | 0.10% | N/A |
Round-Up Savings | 1.75% | 1.76% | N/A |
IRA Shares | 0.45% | 0.45% | N/A |
Money Market Tier 1 | 1.75% | 1.76% | $1,000 - $24,999.99 |
Money Market Tier 2 | 1.95% | 1.97% | $25,000.00 - $99,999.99 |
Money Market Tier 3 | 2.10% | 2.12% | $100,000+ |
For Shares, Club Shares, Christmas Club and Round-Up accounts, dividends are compounded daily and credited quarterly. APY and Dividend Rates are subject to change without notice. Earnings could be reduced if fees are added. Membership eligibility is required. 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 on all accounts except Share Certificate accounts.
For IRA Shares dividends are compounded daily and credited monthly. APY and Dividend Rates are subject to change without notice. Earnings could be reduced if fees are added. Membership eligibility is required.
For Money Market accounts, dividends are compounded daily and credited monthly. APY and Dividend Rates are subject to change without notice. Earnings could be reduced if fees are added. Membership eligibility is required. Two withdrawals allowed per calendar month. There is a $15.00 fee per each additional withdrawal.
Share & IRA Certificates | Dividend Rate | APY | Minimum Balance |
|---|---|---|---|
6 Month Term | 3.75% | 3.82% | $1,000 |
12 Month Term | 3.60% | 3.67% | $1,000 |
12 Month Term- Jumbo | 3.75% | 3.82% | $100,000 |
24 Month Term | 3.40% | 3.46% | $1,000 |
24 Month Term- Jumbo | 3.55% | 3.61% | $100,000 |
36 Month Term | 3.40% | 3.46% | $1,000 |
48 Month Term | 3.40 | 3.46% | $1,000 |
For Share and IRA Share Certificates dividends are compounded daily and credited monthly. APY and Dividend Rates are subject to change, without notice, at any time prior to the issuance of the certificate. After the point of issuance APY and Dividend Rates are fixed until maturity. 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. Share Certificate earnings could be reduced if fees are added. Membership eligibility required.