Deposit Rates

Your money has a bright future here

Our account rates give a boost to your savings. As a not-for-profit credit union, we're able to reward our members in Texas and beyond with competitive rates on deposit accounts that are often higher than other institutions.

Regular Savings Account

Minimum to Earn Dividend Dividend Rate APY*
$25 0.35% 0.35%
*APY = Annual Percentage Yield

Checking Account

Minimum to Open Account Minimum to Earn Dividend Dividend Rate APY*
$25 $2,000 0.25% 0.25%

Prime Rewards Savings Account (Discontinued as of 7/31/16)

Minimum to Earn Dividend Dividend Rate APY*
$100 0.20% 0.20%
$10,000 0.30% 0.30%
$25,000 0.40% 0.40%
$50,000 0.50% 0.50%

Special Savings Account

Minimum to Earn Dividend Dividend Rate APY*
$25 0.35% 0.35%
*APY = Annual Percentage Yield

Christmas and Vacation Club Savings Accounts

Minimum to Open Account Dividend Rate APY*
$0 0.50% 0.50%
*APY = Annual Percentage Yield

Money Market Account

Balance Dividend Rate APY*
$2,000 – $19,999 0.45% 0.45%
$20,000 – $49,999 0.55% 0.55%
$50,000 – 0.65% 0.65%
*APY = Annual Percentage Yield.  $2,000 to open/earn dividend.

IRA

Minimum to Open Account Minimum to Earn Dividend Dividend Rate APY*
$100 $25 0.70% 0.70%
*APY = Annual Percentage Yield

Certificates of Deposit

Term Minimum Deposit Dividend Rate APY*
3 Month $500 0.75% 0.75%
6 Month $500 0.90% 0.90%
1 Year $500 1.25% 1.26%
25 month $500 2.50% 2.53%
2 Year $500 1.60% 1.61%
3 Year $500 1.85% 1.87%
5 Year $500 2.35% 2.38%
*APY = Annual Percentage Yield.  Withdrawals reduce the amount of earnings. Dividends on certificates are compounded daily and paid monthly. Dividend rate and Annual Percentage Yield are subject to change weekly without notice and at the discretion of EFFCU.  A penalty (fee) is incurred for early withdrawal of principal on all certificate types and can reduce the earnings of deposit accounts.