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!

DEPOSIT RATES

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

(Rates quoted as of 09/30/2020)

For savings accounts, dividend rates are paid from current quarter earnings and are not guaranteed.  APR and APY are subject to change without notice.  Earnings could be reduced if fees are added.  Membership eligibility is required. 

Two withdrawals allowed per month.  There is a $15.00 fee per each additional withdrawal.  For Money Market accounts, dividend rates are paid from current quarter earnings and are not guaranteed.  APR and APY are subject to change without notice.  Earnings could be reduced if fees are added.  Membership eligibility is required. 

For Share and IRA Share Certificates, dividend rates are paid from current quarter earnings and are not guaranteed.  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.  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.

Disclosures
EFCU Apps
Lost/Stolen Debit Card/Mastercard®
Lost/Stolen Visa® Credit Card

After Hours Call:

1.800.528.2273- Domestic

1.812.647.9794- International

After Hours Call: 1.800.247.4222

Debit/Mastercard® or ATM Disputes
Credit Card/Visa® Disputes

Call: 1-800-600-5249

Call: 1.800.808.6402

Wiring Instructions:

First credit: Alloya Corporate Credit Union (Routing Number: #307087399);
Further credit: Electrical Federal CU (Routing Number: #302075416); Final credit to the member's account number.

If you need accessibility assistance with any of EFCU's digital properties, please email us at: memberservices@electricalfcu.org

Federally Insured by NCUA | Equal Housing Opportunity. 

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APR (%) = Annual Percentage Rate

APY=Annual Percentage Yield

Routing Number: 302075416

NMLS# 1028973

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