With credit unions, once you become a member, you always remain a member. Become one today and enjoy these great savings services:
Money Market Accounts
If you're looking for a higher yield savings account, you'll love our Money Market Account. Deposits can be made anytime, by direct deposit, payroll deduction, in person, or by mail! Money Market Accounts offer:
Maximum Earning Potential The more you save, the more you earn!
Cash On Demand Unlike IRAs or Certificates, you have access to your funds.
We make it easy to use your money, when you need it.
Security All funds are federally insured up to $100,000 through NCUA.
Share (Savings) Account
Open your membership at ECFCU with a minimum deposit of $20.00 into your Share Savings Account. Dividends are paid quarterly on the average daily balance. You can make unlimited deposits, withdrawals or transfers in person, by mail, Direct Deposit, or Payroll Deduction.
Share Draft Checking Accounts
ECFCU offers three Share Draft/Checking options. All can be accessed with the ECFCU VISA Check Card; and all have no per check or deposit fees. Overdraft protection from your savings is available on all share draft/checking accounts.
| Credit Union (CU) ExclusivePLUS If you have Share Draft checking with direct deposit, and either our VISA Credit Card or VISA Debit (check) Card, you can enjoy: | |
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| Credit Union (CU) Exclusive If you have Direct Deposit of your paycheck, Social Security or other regular check, you can enjoy: | |
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| Regular Checking | |
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VISA Check Card
The convenience and ease of an ATM card, but more.Use your VISA Check Card at ATM's for cash withdrawals and anywhere the VISA logo is displayed for your purchases. They are deducted right from your share draft/checking account. No need to carry your checkbook with you when you shop.
Special Club Accounts
Christmas Club and Vacation Club Accounts allow members to set aside funds for a specific purpose such as a dream vacation or holiday expenses. Dividends are paid quarterly on the average daily balance. Deposit through payroll deduction, by mail or in person as often as you like. Withdraw your funds when it's best for you.
Share Term Certificates
Share Term Certificates offer a higher rate of interest, as you invest your money in a certificate for a fixed term period. Certificate terms range from six months to five years. A minimum of $1,000 is required to open a certificate. Once the certificate is opened, no additional deposits can be added.
Individual Retirement Accounts/IRA Certificates
To help you with your retirement dollars, we offer a variety of IRA plans. A regular IRA accumulator account allows you to make contributions throughout the year. An IRA Certificate is a Share Term Certificate with a fixed rate and fixed term. Special eligibility rules related to earned income, total income and tax deductibility of contributions vary depending on the individual.
Roth IRA
The Roth IRA is funded with after tax contributions, therefore it is not tax deductible. However, withdrawals of earnings at retirement are tax free. Special rules apply to Roth IRAs also.
Other Services
On Site ATM
ECFCU has a Drive up ATM on-site for your convenience. Cash from your credit union account is available to you 24 hours a day 7 days a week. Unlimited free withdrawals for members using their ECFCU VISA Check Card or ECFCU ATM Card.
AudRe' - Audio Response System
AudRe' makes telephone banking a breeze. Get your account information any time day or night, 7 days a week. Transfer between accounts, get account balances, make inquiries, check requests, even check rate information? all in the comfort of your home or work.
Monty Moose Youth Program
Our Monty Moose Youth Savers Program helps kids learn the value of saving?..while having fun. Kids receive special gifts for opening an account and incentives to continue saving. Each deposit that is made earns Monty dollars. Save them up to purchase gifts at our Monty Corner.
Other Services
Take advantage of these other service benefits just by joining ECFCU.
Payroll Deduction
- Direct Deposit
- Traveler's Cheques
- Group Accident & Life Insurance
- Long Term Care Insurance
- Auto Insurance
- Notary Public
- Financial Counseling
- Electronic Tax Filing Service
- Drive-up Window Service
- Night Depository
- Legal Service Plan
- Family Membership
- Deposit Insurance (up to $100,000)
- Money Orders
