eCO Credit Union Savings & Money Market Rates

How eCO Credit Union’s savings rates compare

Compared with banks and credit unions near Birmingham, AL, where eCO Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
eCO Credit Union
2.02%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$202
Money Market Account
Top rate
Guardian Credit Union
4.00%APY
Requires
Monthly account activity
Minimum
$10
Earns on $10,000 a year
$400
Guardian Credit Union rates
2nd-highest rate
SouthPoint Bank
4.00%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$400
SouthPoint Bank rates

Compare savings rates near you →

89

Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.02%
$10,000 balance$10,0002.02%
$100,000 balance$100,0002.02%
QualifiedQualified2.02%

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.

How the score works →

Where eCO 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.

Money Market Account

2.02%APY$1,000 to open

Minimum opening deposit of $1,000.00. Must maintain a minimum average daily balance of $1,000.00 to obtain disclosed APY. Interest compounded and credited monthly. Transaction limitations of up to 6 withdrawals or transfers per month (maximum 3 by check, draft, or debit card). Minimum deposit of $100.00 per deposit.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 and upMust maintain a minimum average daily balance of $1,000.00 to obtain disclosed APY. Minimum opening deposit $1,000.00. Transaction limit of 6 withdrawals/transfers per monthly statement period (maximum 3 by check). Minimum deposit $100.00.$1,000 and up	2.02%	$202	Must maintain a minimum average daily balance of $1,000.00 to obtain disclosed APY. Minimum opening deposit $1,000.00. Transaction limit of 6 withdrawals/transfers per monthly statement period (maximum 3 by check). Minimum deposit $100.00.

Sources (4)

All captured Sep 19, 2026

Share Savings

0.20%APY$1 to open

Variable rate account. Dividends compounded and credited quarterly based on average daily balance method. Minimum initial deposit and minimum balance is $1 (par value of 1 share). $100 minimum average daily balance to earn dividends. No monthly fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Tier 6: $0.00 – $99.99. Prospective dividend rate 0.00%.	0.00%	—	Tier 6: $0.00 – $99.99. Prospective dividend rate 0.00%.
$100 – $10,000Tier 5: $100.00 – $9,999.99. Prospective dividend rate 0.10%.	0.10%	—	Tier 5: $100.00 – $9,999.99. Prospective dividend rate 0.10%.
$10,000 – $40,000Tier 4: $10,000.00 – $39,999.99. Prospective dividend rate 0.20%.	0.20%	$20	Tier 4: $10,000.00 – $39,999.99. Prospective dividend rate 0.20%.
$40,000 – $75,000Tier 3: $40,000.00 – $74,999.99. Prospective dividend rate 0.25%.	0.25%	—	Tier 3: $40,000.00 – $74,999.99. Prospective dividend rate 0.25%.
$75,000 – $100,000Tier 2: $75,000.00 – $99,999.99. Prospective dividend rate 0.30%.	0.30%	—	Tier 2: $75,000.00 – $99,999.99. Prospective dividend rate 0.30%.
$100,000 and upTier 1: $100,000.00 or more. Prospective dividend rate 0.50%.	0.50%	—	Tier 1: $100,000.00 or more. Prospective dividend rate 0.50%.

Sources (3)

All captured Sep 19, 2026

Special-purpose accounts

Saving Stars Account (Birth-18)

0.20%APYKids and teens

For ages birth to 18. Minimum balance $0, no monthly fee. Par value of a share is $1.00. First $1,000 earns 2% dividends paid quarterly calculated by the daily balance method; balances over $1,000 earn dividends according to the basic Share Savings tier rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000First $1,000 in the Saving Stars Account earns 2%. Dividends paid on a quarterly basis calculated by daily balance method.	2.02%	—	First $1,000 in the Saving Stars Account earns 2%. Dividends paid on a quarterly basis calculated by daily balance method.
$1,000 – $10,000Balances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 5: $100.00 – $9,999.99 at 0.10% APY / 0.10% dividend rate).	0.10%	—	Balances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 5: $100.00 – $9,999.99 at 0.10% APY / 0.10% dividend rate).
$10,000 – $40,000Balances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 4: $10,000.00 – $39,999.99 at 0.20% APY / 0.20% dividend rate).	0.20%	$20	Balances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 4: $10,000.00 – $39,999.99 at 0.20% APY / 0.20% dividend rate).
$40,000 – $75,000Balances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 3: $40,000.00 – $74,999.99 at 0.25% APY / 0.25% dividend rate).	0.25%	—	Balances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 3: $40,000.00 – $74,999.99 at 0.25% APY / 0.25% dividend rate).
$75,000 – $100,000Balances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 2: $75,000.00 – $99,999.99 at 0.30% APY / 0.30% dividend rate).	0.30%	—	Balances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 2: $75,000.00 – $99,999.99 at 0.30% APY / 0.30% dividend rate).
$100,000 and upBalances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 1: $100,000.00 or more at 0.50% APY / 0.50% dividend rate).	0.50%	—	Balances over $1,000 earn dividends according to basic Share Savings tier rate (Tier 1: $100,000.00 or more at 0.50% APY / 0.50% dividend rate).

Sources (3)

All captured Sep 19, 2026

Club Savings

0.20%APYClub

Variable rate account. Dividends compounded and credited quarterly based on average daily balance method. Minimum balance $0, no monthly fee. Funds disbursed in November to Share Account (for Christmas Club) or customizable for specific savings goals. $100 minimum ADB to earn dividends.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Tier 6: $0.00 – $99.99. Prospective dividend rate 0.00%.	0.00%	—	Tier 6: $0.00 – $99.99. Prospective dividend rate 0.00%.
$100 – $10,000Tier 5: $100.00 – $9,999.99. Prospective dividend rate 0.10%.	0.10%	—	Tier 5: $100.00 – $9,999.99. Prospective dividend rate 0.10%.
$10,000 – $40,000Tier 4: $10,000.00 – $39,999.99. Prospective dividend rate 0.20%.	0.20%	$20	Tier 4: $10,000.00 – $39,999.99. Prospective dividend rate 0.20%.
$40,000 – $75,000Tier 3: $40,000.00 – $74,999.99. Prospective dividend rate 0.25%.	0.25%	—	Tier 3: $40,000.00 – $74,999.99. Prospective dividend rate 0.25%.
$75,000 – $100,000Tier 2: $75,000.00 – $99,999.99. Prospective dividend rate 0.30%.	0.30%	—	Tier 2: $75,000.00 – $99,999.99. Prospective dividend rate 0.30%.
$100,000 and upTier 1: $100,000.00 or more. Prospective dividend rate 0.50%.	0.50%	—	Tier 1: $100,000.00 or more. Prospective dividend rate 0.50%.

Sources (3)

All captured Sep 19, 2026

IRA Savings Account / IRA or Roth IRA Club

0.10%APYIRA

Available as Traditional IRA or Roth IRA. Member must be employed to contribute. No minimum balance required to earn dividends on IRA or Roth IRA Club; $100 minimum average daily balance to obtain disclosed APY in account disclosure. Dividends compounded and credited quarterly based on average daily balance method.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance required to earn dividends on IRA or Roth IRA Club. Prospective dividend rate 0.10%, APY 0.10%.Any balance	0.10%	$10	No minimum balance required to earn dividends on IRA or Roth IRA Club. Prospective dividend rate 0.10%, APY 0.10%.

Sources (3)

All captured Sep 19, 2026

Who can join eCO Credit Union

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Visit institution website ↗Branches and institution details

How eCO Credit Union’s savings rates compare

eCO Credit Union savings score

Current savings rates

Money Market Account

Share Savings

Special-purpose accounts

Saving Stars Account (Birth-18)

Club Savings

IRA Savings Account / IRA or Roth IRA Club

Who can join eCO Credit Union