CD and IRAs

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.

*APY= Annual Percentage Yield.  APY offer available Nov. 1, 2021-Dec. 31, 2021.  APY subject to change without notice.  Rates are paid at maturity.  Penalty for early withdrawal.  No other rate discounts available.

Open an ECU CD

IRAs

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

Open an ECU IRA
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Excess Share Insurance Corporation provides up to an additional $250,000 of insurance per membership.

Learn More About ESI.