Credit union · NCUA insured
Eastern Panhandle Federal Credit Union Savings Rates
Eastern Panhandle Federal Credit Union’s best savings rate is 0.01% APY on $10,000, with its Regular Share Accounts. Rates checked October 22, 2026.
How Eastern Panhandle Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where Eastern Panhandle Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Eastern Panhandle Federal Credit Union
0.01%APY
- Minimum
- $5
- Earns on $10,000 a year
- $1
Regular Share Accounts
Top rate
Mountain Heritage Federal Credit Union
2.53%APY
- Minimum
- —
- Earns on $10,000 a year
- $253
2nd-highest rate
Washington County Teachers Federal Credit Union
1.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $175
Eastern Panhandle Federal Credit Union savings score
60
Savings score
Higher than 0% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.01%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Eastern Panhandle Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Accounts
0.01%APY
One requirement of membership is maintaining a Share Savings Account. Multiple accounts allowed under base account number. Dividends paid quarterly based upon EPFCU's earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.01% | — |
| Over $2,500 | 0.01% | $1 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club Accounts
0.03%APY
Paid out annually on the Tuesday following Columbus Day and deposited directly into Share Savings Account. Dividend declared and paid at time of club maturity/just prior to disbursement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividend is declared at time of club maturity.$5 and up | 0.03% | $3 | Dividend is declared at time of club maturity. |
Sources (2)
All captured Sep 19, 2026
Vacation Club Accounts
0.03%APY
Designed for regular periodic deposits; funds available for withdrawal at anytime. Dividends paid quarterly based upon credit union earnings for the quarter.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.03% | $3 |
Sources (2)
All captured Sep 19, 2026
Youth Share Accounts
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.01% | $1 |
Sources (1)
- easternpanhandlefcu.com/deposit-rates.html · captured Sep 19, 2026
Who can join Eastern Panhandle Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Berkeley, Jefferson, and Morgan Counties of West Virginia are eligible for membership.
Other ways
- Businesses and legal entities are eligible for membership.
Cost to join
- A deposit of $5.00 (one share) in a Membership Share Savings Account is required and must be maintained at all times.
- A one-time membership fee of $1 is required to join.
Membership information collected October 4, 2026.