Credit union · NCUA insured
Educational Community Credit Union Savings Rates
Educational Community Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Educational Community Credit Union’s savings rates compare
Compared with banks and credit unions near Springfield, MO, where Educational Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Educational Community Credit Union
0.20%APY
- Earns on $10,000 a year
- $20
Money Market
Top rate
Metro Credit Union
5.09%APY
- Earns on $10,000 a year
- $509
2nd-highest rate
UMB Bank
3.71%APY
- Earns on $10,000 a year
- $371
Educational Community Credit Union savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 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
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upCompounds Monthly.$2,500 and up | 0.20% | $20 | Compounds Monthly. |
Sources (1)
- educationalccu.org/rates · captured Sep 17, 2026
Share Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upCompounds Quarterly.$100 and up | 0.10% | $10 | Compounds Quarterly. |
Sources (1)
- educationalccu.org/rates · captured Sep 17, 2026
Special-purpose accounts
Christmas Club
0.30%APY
No minimum balance to start this savings account, but must maintain an average daily balance of $100 to earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounds Annually. Must maintain an average daily balance of $100 to earn interest.Any balance | 0.30% | $30 | Compounds Annually. Must maintain an average daily balance of $100 to earn interest. |
IRA Savings
0.20%APY
Traditional and Roth IRA tax labels are wrappers within one IRA product. Rate discounted 0.25% for Preferred Member Discount; Rate discounted 0.25% for Primary Financial Institution Discount.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.20% | $20 |
Sources (1)
- educationalccu.org/rates · captured Sep 17, 2026
Who can join Educational Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Educational alumni residing within the specified 23 Missouri counties are eligible for membership.
- Employees of any educational institution or public library located within Barry, Barton, Cedar, Christian, Dade, Dallas, Douglas, Greene, Howell, Jasper, Laclede, Lawrence, McDonald, Newton, Oregon, Ozark, Polk, Shannon, Stone, Taney, Texas, Vernon, Webster, or Wright County are eligible for membership.
- Educationally-sponsored or affiliated organizations of public or private schools (elementary, secondary, or higher education) located within the specified 23 Missouri counties are eligible for membership.
- Retired faculty members of public or private schools (elementary, secondary, or higher education) residing within the specified 23 Missouri counties are eligible for membership.
- Students or alumni of any educational institution located within the specified 23 Missouri counties are eligible for membership.
Family and household
- Family members of anyone eligible to join ECCU are eligible for membership, regardless of whether the eligible person is an existing member.
Cost to join
- Membership requires establishing and maintaining a minimum $25 deposit/balance in a share (savings) account.
Membership information collected October 4, 2026.