Credit union · NCUA insured
Educational Employees Credit Union Savings Rates
Educational Employees Credit Union’s best savings rate is 0.20% APY on $10,000, with its Savings Account (Share Savings). Rates checked October 16, 2026.
How Educational Employees Credit Union’s savings rates compare
Compared with banks and credit unions near Fresno, CA, where Educational Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Educational Employees Credit Union
0.20%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $20
Savings Account (Share Savings)
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Pacific Service Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $300
Educational Employees 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 Employees 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 (Share Savings)
0.20%APY
Open and maintain account with a $5 deposit ($10 for joint accounts). Balances under $250 do not earn dividends. Deposits are federally insured by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 – $5,000 | 0.10% | — |
| $5,000 – $10,000 | 0.15% | — |
| $10,000 and up | 0.20% | $20 |
Sources (2)
All captured Oct 6, 2026
Sub-Share Savings Account
0.20%APY
Designed for setting aside money in a separate account for specific savings goals (emergencies, vacation, wedding, college). Shares features and rate schedule of regular share savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 – $5,000 | 0.10% | — |
| $5,000 – $10,000 | 0.15% | — |
| $10,000 and up | 0.20% | $20 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Savings
0.40%APY
Available as Traditional IRA, Roth IRA, and Coverdell Education Savings Account (ESA). EECU membership and standard deposit account required. No annual service fees on EECU IRAs. Penalties may apply for early withdrawal or account closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY assumes principal and dividends remain on deposit for the term. There are currently no annual service fees on EECU IRAs.Any balance | 0.40% | $40 | APY assumes principal and dividends remain on deposit for the term. There are currently no annual service fees on EECU IRAs. |
Sources (1)
- myeecu.org/accounts/savings/ce…dual-retirement-accounts · captured Oct 6, 2026
Holiday Wise Club Account
0.30%APY
$5 opening deposit. Maximum account balance is $12,000. $5 fee for each early withdrawal prior to club year-end on October 31. Balance transferred November 1 to savings or checking. Account automatically renews unless canceled or changed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $12,000Maximum account balance is $12,000. $5 fee for each early withdrawal prior to October 31. Balance transferred November 1 to savings or checking.Up to $12,000 | 0.30% | $30 | Maximum account balance is $12,000. $5 fee for each early withdrawal prior to October 31. Balance transferred November 1 to savings or checking. |
Sources (2)
All captured Oct 6, 2026
Summer Planner Account
0.30%APY
For school employees to set money aside during the school year. $5 opening deposit. Maximum account balance is $12,000. One early withdrawal allowed each account term prior to July 1. Balance transferred July 1 to savings or checking. Account automatically renews unless canceled or changed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $12,000Eligible for school employees. Maximum account balance is $12,000. One early withdrawal allowed prior to July 1. Balance transferred July 1 to savings or checking.Up to $12,000 | 0.30% | $30 | Eligible for school employees. Maximum account balance is $12,000. One early withdrawal allowed prior to July 1. Balance transferred July 1 to savings or checking. |
Sources (2)
All captured Oct 6, 2026
Minor Share Savings (Youth Accounts)
0.20%APY
Offered for youth including 4Kids Youth Account (ages 0-12) and Cash Crew Youth Account (ages 13-17). Open and maintain account with a $5 deposit. Ages 0-12 require an adult joint owner; ages 13-14 may open without adult joint owner if specific requirements are met.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250 | 0.10% | — |
| $250 – $5,000 | 0.10% | — |
| $5,000 – $10,000 | 0.15% | — |
| $10,000 and up | 0.20% | $20 |
Who can join Educational Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employee of Camarena Health.
- Employee of The Fresno Center.
- Member of the former So-Val Tel Federal Credit Union membership base.
- Employee of St. Agnes Medical Center who works in Fresno, CA, including those paid by Trinity Health.
- Employee of the California Teaching Fellows Foundation.
- Employee of United Health Centers of the San Joaquin Valley.
7 more ways to join
Employers and groups
- Employee, contract physician or other medical professional service provider of Valley Children\u2019s Healthcare.
Military, government and schools
- Employee of the City of Fresno.
- Employee of Orcutt Union School District in Santa Barbara.
- Member of a Board of Education or Board of Trustees of a licensed/accredited school system in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Certificated or Classified employee, or student, of a school/school district in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Retiree of a school/school district who now lives in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
Family and household
- Relative (parents, spouses, children, grandchildren, great grandchildren, grandparents, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household member (living in the same residence and maintaining a single economic unit) of an existing EECU member or a person eligible for EECU membership.
Cost to join
- An additional $5 opening deposit is required for Checking.
- An opening deposit of $5 is required for Savings ($10 for joint account).
Membership information collected October 5, 2026.