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
• Use your savings account as collateral for an affordable loan

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 $100 to earn dividends
• Pay no monthly service fees and enjoy other free services. Ask a Member Service Representative for more information
  

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.

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

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 day in November (unless it falls on a weekend), when we transfer your Christmas Club Savings balance to your regular Share Savings Account

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 day in June (unless it falls on a weekend), when we transfer your Vacation Club Savings balance to your regular Share Savings Account
  

Discover the perfect savings solution tailored for those aged 55 and older, designed to help you maximize your savings while enjoying these benefits:

• 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
• Pay no monthly service fees and enjoy other free services. Ask a Member Service Representative for more information.
• Use your savings account as collateral for an affordable loan