Credit union · NCUA insured
Educational Community Alliance CU Savings Rates
Educational Community Alliance CU’s best savings rate is 0.25% APY on $10,000, with its Share Savings. Rates checked October 16, 2026.
How Educational Community Alliance CU’s savings rates compare
Compared with banks and credit unions near Toledo, OH, where Educational Community Alliance CU has the most branches. $10,000, best rate first.
This credit union’s best
Educational Community Alliance CU
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Extra Credit Money Market
Top rate
Superior Credit Union
3.95%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Educational Community Alliance CU savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 Educational Community Alliance CU 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.
Extra Credit Money Market
Up to 3.04%APY
Must purchase and maintain minimum required share ($5.00 par value, 1 share) for membership. Up to 6 transfers/withdrawals permitted per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier 1: Daily balance from $0.01 to $2,499.99. Minimum opening deposit and balance of $2,500 required to open account. Interest calculated on daily balance and paid monthly. Once a tier is met, the rate applies to the full balance. | 0.50% | — | Tier 1: Daily balance from $0.01 to $2,499.99. Minimum opening deposit and balance of $2,500 required to open account. Interest calculated on daily balance and paid monthly. Once a tier is met, the rate applies to the full balance. |
| $50,000 and upTier 5: Daily balance of $50,000.00 or greater. Once a particular range is met, the rate applies to the full balance of the account. | 3.04% | — | Tier 5: Daily balance of $50,000.00 or greater. Once a particular range is met, the rate applies to the full balance of the account. |
Sources (3)
All captured Oct 16, 2026
Share Savings
0.25%APY
Requires purchasing and maintaining 1 share ($5.00 par value) as a condition of membership. Subject to a maximum of 6 preauthorized, automatic, or Internet transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
All captured Sep 17, 2026
Special Savings
0.25%APY
Subject to a maximum of 6 preauthorized, automatic, or Internet transfers/withdrawals per month. No account cost.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Holiday Savings
0.25%APY
Funds distributed the first week of November (on or after November 1). Early withdrawals subject to fee unless occurring within 7 days of account opening. Subject to 6 transfers/withdrawals per month limit. No cost to have account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
All captured Sep 17, 2026
IRA Savings
0.25%APY
Available as Traditional, Roth, and SEP IRA. No monthly transfer/withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
All captured Sep 17, 2026
Vacation Savings
0.25%APY
No cost to have account. Subject to a maximum of 6 preauthorized, automatic, or Internet transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
All captured Sep 17, 2026
Who can join Educational Community Alliance CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Anyone employed in or retired from any position within the education industry in the Toledo and surrounding area is eligible for membership.
Family and household
- Immediate family members of an Educational Community Alliance Credit Union member are eligible for membership.
Cost to join
- A minimum opening deposit of $5.00 into a new share savings account is required upon joining.
Membership information collected October 5, 2026.