Savings
At EFCU, we were born from a steadfast belief in the power of savings. From our personal savings accounts to more options like our share certificates and IRAs, EFCU is dedicated to bringing you powerful ways to save.
Personal Savings Accounts
Start your membership at EFCU with a share savings account for access to everything we offer – and get great yields on your deposits, too.
- Open with a minimum deposit of just $25 and a one-time membership fee of $5
- Maintain a minimum balance of just $100 and earn dividends on your entire balance
- If you’re age 18 or younger, maintain a balance of just $25 to earn dividends
- Use your savings account as collateral for an affordable loan
Student Savings
If you’re a student between the ages of 13 and 18, or are a full-time college student, you qualify for our Student Savings Account, which comes with lots of free services:
- Open with a minimum deposit of just $25 and a one-time membership fee of only $2
- Maintain a minimum balance of just $25 to earn dividends
- Pay no monthly service fees
Moola Moola Kids Club
Get your kids started on the path to financial literacy and teach them the value of saving with our Moola Moola Kids Club for ages 0 through 12.
- Open a Moola Moola Kids Club savings account with a minimum deposit of just $10 and a one-time $2 membership fee
- Earn dividends with a minimum deposit of just $25
- Earn prizes for every deposit you make
EFCU Scholarship
Learn how we’re helping deserving students further their education with our scholarship program.
Organization Savings
Not-for-profit organizations are eligible for an EFCU Organization Savings account, which offers special benefits:
- Open with a minimum deposit of just $5 and a one-time membership fee of only $1.00
- Maintain a minimum balance of $100 to earn dividends
- Take advantage of many credit union services at no charge
All signers on the account must qualify for our field of membership.
Christmas Club Savings
Save for your favorite shopping season to make it more joyful.
- Open with a minimum deposit of $25
- Earn dividends on your balance of $100 or more
- Save through the year until the first Monday in November, when we transfer your Christmas Club Savings balance to your regular Share Savings Account
Vacation Club Savings
Plan for that special vacation you’ve always wanted to take.
- Open with a minimum deposit of $25
- Earn dividends on your balance of $100 or more
- Save through the year until the first Monday in June, when we transfer your Vacation Club Savings balance to your regular Share Savings Account
Share Certificates
Earn a fixed rate of return with our great-yield Share Certificates.
Individual Retirement Accounts
Save for your future with an EFCU IRA.
