Credit union · NCUA insured
Education Personnel Federal Credit Union Savings Rates
Top CarrotEducation Personnel Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Savings Account. Rates checked October 6, 2026.
How Education Personnel Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Danville, IL, where Education Personnel Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Education Personnel Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $50
Savings Account
Top rate
INB
3.45%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $345
2nd-highest rate
First Farmers Bank & Trust
2.70%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $270
Education Personnel Federal Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Education Personnel 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.
Savings Account
0.50%APY
Earns quarterly dividends. $25 initial deposit is required to open account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns quarterly dividends.Any balance | 0.50% | $50 | Earns quarterly dividends. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Coverdell Education Savings Account (ESA)
1.25%APY
Contributions up to IRS limit. Contributions are not deductible, but earnings grow tax-free if distributed for allowable education expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.25% | $125 |
Sources (2)
All captured Sep 17, 2026
Individual Retirement Account (IRA)
1.25%APY
Anyone younger than 70 ½ with compensation may deposit. Penalty-free withdrawals for qualified expenses or after age 59 ½. Tax-deductible contributions for qualifying individuals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.25% | $125 |
Sources (2)
All captured Sep 17, 2026
Holiday Club Account
0.50%APY
Save year-round; direct deposit or payroll deduction available. Funds can be used any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
All captured Sep 17, 2026
Who can join Education Personnel Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Danville Area Community College is in EPFCU's field of membership.
- Retirees from the field of membership are eligible for membership.
- Employees of public, private and parochial schools in Vermilion County, Illinois are eligible for membership.
Family and household
- Relatives of members are eligible for membership.
Membership information collected October 5, 2026.