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.
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Rates Quoted as of 07/01/2025 and are subject to change without notice.
APY = Annual Percentage Yield
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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.
Product Type | Dividend Rate | APY | Minimum Balance |
|---|---|---|---|
High Voltage Checking Tier 1 | 3.50% | 3.55% | $0.00 to $4,999.99 |
High Voltage Checking Tier 2 | 2.50% | 2.53% | $5,000.00 to $9,999.99 |
High Voltage Checking Tier 3 | 0.50% | 0.50% | $10,000.00 or More |
If Qualifications Not Met | 0.00% | 0.00% | N/A |
For High Voltage Checking/Share Draft accounts, dividends are compounded daily and credited monthly. To earn dividends all qualifications must be met during the qualification period. Qualification period starts on the first day of the month and ends on the last day of the month. Qualifications required to earn dividends are being in enrolled in eStatements, having 13 or more debt card purchases post and settle during the qualification period, and having at least $300.00 direct deposited by ACH into the High Voltage Checking/Share Draft account during the qualification period. If ALL qualifications are not met, no dividends will be paid for that month. 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.
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.