Accounts Rates
Savings Accounts
Rates Effective As Of May 1, 2025. Terms and Conditions subject to change without notice.
Rates may vary after account is open. Fees may reduce earning if incurred.
Minimum deposit of $5.00 is required to open a Share Savings Account.
SAVINGS ACCOUNTS | DIVIDEND RATE | APY* |
Shares/Vacation | 0.15% | 0.15% |
Holiday Club | 0.15% | 0.15% |
Share Draft ** | 0.00% | 0.00% |
Ultimate Checking Tier 1 ($0-$5,000)*** | 2.96% | 3.00% |
Ultimate Checking Tier 2 ($5,001-$10,000)*** | 2.47% | 2.50% |
Money Market Accounts
Rates Effective As Of May 1, 2025. Terms and Conditions subject to change without notice.
Rates may vary after account is open. Fees may reduce earning if incurred.
Minimum balance of $5,000 required to earn stated dividend rate and APY.
MONEY MARKET ACCOUNTS | DIVIDEND RATE | APY* |
$5,000 - $75,000 | 0.75% | 0.75% |
$75,001 - $150,000 | 1.74% | 1.75% |
$150,001 and over | 2.23% | 2.25% |
Share Certificates
Rates Effective As Of May 1, 2025. Minimum deposit is $500. Terms and Conditions subject to change without notice. Penalty may be imposed for early withdrawal.
Certificates | DIVIDEND RATE | APY* |
6 Months | 3.93% | 4.00% |
9 Months | 4.89% | 5.00% |
12 Months | 4.41% | 4.50% |
15 or 17 Months | 4.65% | 4.75% |
18 Months | 3.93% | 4.00% |
24 Months | 3.84% | 3.90% |
30 Months | 3.74% | 3.80% |
36 Months* | 3.64% | 3.70% |
48 Months | 3.55% | 3.60% |
60 Months | 3.45% | 3.50% |
Rates will normally change every Wednesday, but are subject to change at any time.
* APY is the Annual Percentage Yield
** A minimum average daily balance of $1,500.00 is required to obtain the disclosed annual percentage yield (APY).
*** To earn the ultimate rate during the statement cycle, you must complete 12 signature based debit card purchased with your EPCU VISA Debit Card; receive your statement electronically; log in to home banking and pay 2 or more bills online; and have one or more direct deposits of at least $500 into your account. If all account requirements are not met during the statement cycle, the rate will be 0.00% APY for that statement cycle. Statement cycle begins on the first calendar day of the month and ends on the last calendar day of the month. There is a limit of 1 (one) Ultimate Checking account per household. Any balance exceeding $10,000 is not eligible for dividend earnings.
