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Savings Rates

Effective as of: 12/31/2024

Last dividend declaration date: 2/28/2025
Quarterly: 12/31/2024

Current Share Rates

Account Type	Interest Rate	APY*
Share Savings	0.25%	0.25%
Special Savings	0.25%	0.25%
Extra Credit Money Market	0.50% - 3.04%	0.50% - 3.04%
IRA Savings	0.25%	0.25%
Holiday Savings	0.25%	0.25%
Vacation Savings	0.25%	0.25%
5+5 Ultimate Rewards Checking	0.05% - 0.50%	0.05% - 0.50%

Current Share Certificate Rates

Certificate Term	Interest Rate	APY*
6-Month	3.00%	3.03%
9-Month	3.50%	3.55%
12-Month	3.875%	3.93%
18-Month	3.60%	3.64%
24-Month	3.75%	3.80%
36-Month	3.75%	3.80%
48-Month	3.75%	3.80%

Current IRA Certificate Rates

Certificate Term	Interest Rate	APY*
6-Month	3.00%	3.03%
9-Month	3.50%	3.55%
12-Month	3.875%	3.93%
18-Month	3.60%	3.64%
24-Month	3.75%	3.80%
36-Month	3.75%	3.80%
48-Month	3.75%	3.80%

*APY = Annual Percentage Yield.

View account fees and applicable Truth-In-Savings account disclosures.

Your savings are federally insured to at least $250,000, and backed by the full faith and credit of the United States Government.

Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

Educational Community Alliance Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase the accessibility and usability of our website to all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 866.381.2323 for assistance. All products and services available on this website are available at our office as well.