|
Savings | Certificates | Fee Schedule
All Loans are subject to normal credit approval.
*Annual Percentage Rates are AS LOW AS with Approved Credit.
Go To Loan Application | Go To Calculators | Back to Top
| Savings |
Rate
|
APY*
|
Term
|
|
Regular Savings
|
1.50
|
1.51
|
365
|
|
IRA Savings
|
2.75
|
2.79
|
365
|
|
Education Savings
|
2.75
|
2.79
|
365
|
|
Checking
|
Rate
|
APY*
|
Term
|
|
Share Draft Checking
|
0.25
|
0.25
|
365
|
|
College Choice Checking
|
0.50
|
0.50
|
365
|
|
Direct Choice Checking
|
0.50
|
0.50
|
365
|
|
Club 55+
|
0.50
|
0.50
|
365
|
|
Money Market Account**
|
Rate
|
APY*
|
Term
|
|
Money Market Checking with Balance of $2,500 thru $5,000
|
2.40
|
2.43
|
365
|
|
Money Market Checking with Balance of $5,001 thru $25,000
|
2.75
|
2.43
|
365
|
|
Money Market Checking with Balance of $25,001 thru $50,000
|
3.00
|
2.71
|
365
|
|
Money Market Checking with Balance of $50,001 thru $75,000
|
3.25
|
2.88
|
365
|
| Money Market Checking with Balance over $75,001 |
3.50
|
3.05
|
365
|
**Annual Percentage Yield (APY) is based on the average daily balance within each
dollar tier. Dividends computed for each tier are consolidated to compute the APY at
statement time; therefore the APY may be less than the APR. |
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|
Rates effective 5/28/2008
|
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|
Certificates
|
Rate |
APY* |
Term |
| Regular Certificate of Deposit (CD) |
2.80
|
2.90
|
*6
|
|
Regular Certificate of Deposit (CD)
|
2.90
|
3.00
|
12
|
| Regular Certificate of Deposit (CD) |
3.00
|
3.04
|
24
|
| Regular Certificate of Deposit (CD) |
3.10
|
3.14
|
36
|
| Regular Certificate of Deposit (CD) |
3.10
|
3.14
|
48
|
| Regular Certificate of Deposit (CD) |
3.25
|
3.30
|
60
|
| IRA Certificate of Deposit |
2.90
|
3.00
|
12
|
| IRA Certificate of Deposit |
3.00
|
3.04
|
24
|
| IRA Certificate of Deposit |
3.10
|
3.14
|
36
|
| IRA Certificate of Deposit |
3.10
|
3.14
|
48
|
| IRA Certificate of Deposit |
3.25
|
3.30
|
60
|
APY= Annual Percentage Yield
*Minimum Opening Deposit for 6 month CD $5,000
Minimum Opening Deposit $1,000
~~ Special CD Terms & Rates Eff. 5/28/08 ~~
| 13 Mo. CD |
3.20 APR |
3.25 APY* |
| 27 Mo. CD |
3.25 APR |
3.30 APY* |
|
*APY = Annual Percentage Yield. $1,000.00 minimum deposit required.
At the end of the term, all Special Offer CDs will renew for 12 and 24
months respectively, unless the member requests otherwise.
|
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|
Educators Credit Union Fee Schedule
Fees effective 2/1/2008
|
Monthly Service Charge - Share Draft
*No monthly fee for Club 55 (55+), Direct Choice (DC),
or College Choice (CS) Accounts |
|
*$5.00
|
| Monthly ATM Card Charge (per card) |
|
$0.00
|
| ATM Transaction (off-site/non ECU terminal) |
|
$1.00
|
| ATM Transaction (inquiry at non-ECU terminals) |
|
$0.50
|
| Replacement ATM Card |
|
$5.00
|
Immediate Replacement of ATM Card
*not available at all locations |
|
*$10.00
|
| Replacement Debit/Check Card |
|
$10.00
|
| Stop Payment (Check & Electronic Draft) |
|
$25.00
|
| Over Draft/Non-Sufficient (NSF) |
|
$25.00
|
| Over Draft/Paid by Over Draft Protection (OD) |
|
$25.00
|
Over Draft Transfer - Per item
(from Savings Account or Line-of-Credit Loan) |
|
$1.00
|
| Closing Account within 90 days from Opening Date |
|
$5.00
|
| Wire Transfer (Outgoing) |
|
$15.00
|
Western Union Wire (Outgoing)
*per $10,000 |
|
*$20.00
|
| Money Market Account: |
|
|
More than 3 checks clearing the account during
the current Statement cycle |
|
$20.00
|
| Balance below minimum of $2,500.00 |
|
$20.00
|
| Check for less than minimum of $250 |
|
$20.00
|
| Cashiers Check |
|
$5.00
|
| Money Order |
|
$0.50
|
| Travelers Checks (Single Party) |
|
$0.00
|
Travelers Checks for Two
*per $100 |
|
*$0.50
|
| Account History - Per Hour (Research 1 hr minimum) |
|
$20.00
|
| Photocopy - Per Page |
|
$1.00
|
| Printout of Account History |
|
$1.00
|
| Draft (Check) Copy - Mailed |
|
$2.00
|
| Draft (Check) Copy - Faxed |
|
$3.00
|
| Statement Returned Undeliverable (Return Mail) |
|
$5.00
|
| Fax Service (Local Number) |
|
$3.00
|
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|
Rates & Fees 