ECU Credit Union Savings & Money Market Rates

How ECU Credit Union’s savings rates compare

Compared with banks and credit unions near Houston, TX, where ECU Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
ECU Credit Union
1.26%APY
Minimum
$2,500
Earns on $10,000 a year
$126
Money Savers
Top rate
Heritage Hub Federal Credit Union
5.13%APY
Minimum
—
Earns on $10,000 a year
$513
Heritage Hub Federal Credit Union rates
2nd-highest rate
Nizari Credit Union
4.00%APY
Minimum
—
Earns on $10,000 a year
$400
Nizari Credit Union rates

Compare savings rates near you →

87

Savings score

Higher than 77% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.25%
$10,000 balance$10,0001.26%
$100,000 balance$100,0002.02%
QualifiedQualified1.26%

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 ECU 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 Savers

1.26%APYMoney market$2,500 to open

Requires a minimum balance of $2,500.00 to open and earn interest. Monthly Service Fee: None. Withdrawals are limited; $2.00 transaction fee per withdrawal over 3 per month. Dividends compounded daily, paid monthly. If account is closed prior to the posting of accrued dividends no dividends will be paid. Dividends are based on Credit Union's earnings at the end of a dividend period. All rates are subject to change without notice.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $5,000Dividends compounded daily, paid monthly. Minimum Balance $2,500.00.	0.75%	—	Dividends compounded daily, paid monthly. Minimum Balance $2,500.00.
$5,000 – $10,000Dividends compounded daily, paid monthly.	1.01%	—	Dividends compounded daily, paid monthly.
$10,000 – $25,000Dividends compounded daily, paid monthly.	1.26%	$126	Dividends compounded daily, paid monthly.
$25,000 – $50,000Dividends compounded daily, paid monthly.	1.51%	—	Dividends compounded daily, paid monthly.
$50,000 – $100,000Dividends compounded daily, paid monthly.	1.77%	—	Dividends compounded daily, paid monthly.
$100,000 and upDividends compounded daily, paid monthly.	2.02%	—	Dividends compounded daily, paid monthly.

Sources (2)

All captured Oct 15, 2026

Money Savers Account

1.26%APY$2,500 to open

Tiered interest rates compounded daily, paid monthly. Minimum balance $2,500.00. Fee of $2.00 per withdrawal over 3 per month. If account is closed prior to posting of accrued dividends, no dividends will be paid.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$2,500 – $5,000	0.75%	—
$5,000 – $10,000	1.01%	—
$10,000 – $25,000	1.26%	$126
$25,000 – $50,000	1.51%	—
$50,000 – $100,000	1.77%	—
$100,000 and up	2.02%	—

Sources (2)

All captured Sep 24, 2026

Simple Savings Account

0.25%APY$25 to open

Dividends computed on the average daily balance with quarterly posting and compounding. Establishes and maintains credit union membership.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$500 and upMinimum balance to maintain membership is $25.00; minimum average daily balance to earn dividends is $500.00.$500 and up	0.25%	$25	Minimum balance to maintain membership is $25.00; minimum average daily balance to earn dividends is $500.00.

Sources (2)

All captured Sep 24, 2026

Special-purpose accounts

Individual Retirement Account (IRA) Savings Plan

1.26%APYIRA$25 to open

Available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account (ESA). Dividends computed on average daily balance with quarterly posting and compounding. If account is closed prior to posting of accrued dividends, no dividends will be paid. Minimum to earn dividends is $0.01.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.	0.50%	—	Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.
$2,500 – $5,000Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.	0.75%	—	Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.
$5,000 – $10,000Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.	1.01%	—	Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.
$10,000 – $25,000Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.	1.26%	$126	Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.
$25,000 – $50,000Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.	1.51%	—	Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.
$50,000 – $100,000Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.	1.77%	—	Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.
$100,000 and upMonthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.	2.02%	—	Monthly service fee of $5.00 applies if the account is inactive for 12 consecutive months.

Sources (2)

All captured Sep 24, 2026

Christmas Club Savings Account

0.25%APYClub$25 to open

Balance automatically transfers to Savings account on September 30th. Annual distribution in October. No withdrawals permitted from February 1 to September 30 ($5.00 fee per withdrawal during this period). Dividends computed on average daily balance with quarterly posting and compounding. If account closed prior to posting, no dividends paid.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum to earn dividends is $0.01 ($0 and Up per rate schedule).Any balance	0.25%	$25	Minimum to earn dividends is $0.01 ($0 and Up per rate schedule).

Sources (2)

All captured Sep 24, 2026

Youth Savings Account

0.25%APYKids and teens$25 to open

Offered as Mature Minor Savings Account or Custodian Savings Account (UTMA). Transitions to Adult Savings at age 18. Rate is determined by daily account balance, compounded daily and paid quarterly (or average daily balance quarterly posting and compounding per schedule). If closed before quarterly posting, no dividends paid. Minimum to earn dividends is $1.00 per account details ($0.01 and Over per rate schedule).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0$5.00 monthly service fee applies if daily balance falls below $25.00. Minimum balance to maintain membership is $25.00. Minimum to earn dividends is $1.00 per account details ($0.01 and Over per rate schedule).Over $0	0.25%	$25	$5.00 monthly service fee applies if daily balance falls below $25.00. Minimum balance to maintain membership is $25.00. Minimum to earn dividends is $1.00 per account details ($0.01 and Over per rate schedule).

Sources (2)

All captured Sep 24, 2026

Who can join ECU Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Membership is open to individuals who live or work in the Florida counties of Hillsborough, Orange, Osceola, Pasco, Pinellas, or Seminole.

Employers and groups

Membership is open to employees located at the Bardmoor Palms Facility.
Membership is open to employees of companies located in the same complex as an ECU Credit Union branch office.
Membership is open to employees of CVS Health.
Membership is open to employees of Eckerd Kids.
Membership is open to employees of Rite Aid.

4 more ways to join

Employers and groups

Membership is open to subcontractors working primarily in a facility of the sponsor.
Membership is open to employees of Walgreens.

Family and household

Membership is open to family members of an existing member.

Other ways

Membership is open to former ECU Credit Union members.

Cost to join

A savings (share) account with a minimum balance of $25.00 is required to establish and maintain membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

How ECU Credit Union’s savings rates compare

ECU Credit Union savings score

Current savings rates

Money Savers

Money Savers Account

Simple Savings Account

Special-purpose accounts

Individual Retirement Account (IRA) Savings Plan

Christmas Club Savings Account

Youth Savings Account

Who can join ECU Credit Union

Where you live or work

Employers and groups

Employers and groups

Family and household

Other ways

Cost to join