Take your savings to the next step!

For a limited time, open a 12-Month CD and enjoy this great rate!

This special 12-month CD offer starts at the 3.25% APY* and 3.75% APY* with the opportunity to step-up your rate one time during the term if rates go up!

  • 12 month CD
  • 3.25% APY* for $5,000-$49,999
  • 3.75% APY* for $50,000 and up

Certificates of Deposits and IRAs are often an important piece of a sound savings strategy. Certificates require that funds remain in the account for a period of time, and, in return, they pay a higher dividend rate than other savings accounts. Individual Retirement Accounts (IRAs) are a key tax management and saving strategy for retirement and future planning.

Certificates of Deposit (CD)

ECU members seeking higher rates of return for their savings may elect to open a share certificate. They pay higher dividend rates as invested funds remain on deposit for a fixed period of time.

Minimum balance is $5,000.00 and available terms are 6 to 60 months. See our deposit rates for current CD rates.


Looking for an ideal place to hold retirement savings funds? With two rate tiers, your IRA account earns higher dividends as your balance increases. This account also allows for easy IRA and 401(k) rollovers. Our IRA options provide great flexibility and include Roth and Traditional IRAs. IRA Share Certificates are also available.*

*Minimum balance for IRA Share Certificates is $5,000.00, and available terms are 12 to 60 months. See our deposit rates for current IRA rates.

*APY=Annual Percentage Yield. This is a Step-Up Certificate of Deposit promotion, the interest rate, and APY may change once during the original term of the CD at the members request. In the event the rate of the CD is changed, the account will change to the current interest rate being offered on a CD of the same term when the step-up option is exercised. Maximum 4.5% APY. This step-up option is not available during any renewal term. Rates are paid at maturity. Penalty for early withdrawal. Rate subject to change without notice.
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