Credit union · NCUA insured
EFCU Savings Rates
EFCU’s best savings rate is 1.66% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How EFCU’s savings rates compare
Compared with banks and credit unions near Denver, CO, where EFCU has the most branches. $10,000, best rate first.
This credit union’s best
EFCU
1.66%APY
- Requires
- None
- Earns on $10,000 a year
- $166
Money Market
Top rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $600
2nd-highest rate
Solera
4.34%APY
- Requires
- None
- Earns on $10,000 a year
- $434
EFCU savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0001.66%
- $10,000 balance$10,0001.66%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.66%
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 EFCU 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
1.66%APY
Dividends are compounded daily and credited monthly. Membership eligibility is required. Two withdrawals allowed per calendar month, with a $15.00 fee per each additional withdrawal. Earnings could be reduced if fees are added.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $25,000 | 1.66% | $166 |
| $25,000 – $100,000 | 1.87% | — |
| $100,000 and up | 2.02% | — |
Sources (1)
- electricalfcu.org/copy-of-rates · captured Oct 15, 2026
Round-Up Savings Account
1.76%APY
Round Up Savings transfers only apply to EFCU Mastercard Debit Card purchases rounded up to the nearest whole dollar and transferred from Share Draft/Checking Account in one lump sum that evening. Membership eligibility required. Dividends are compounded daily and credited quarterly. If closed before dividends are paid for the current period, accrued unpaid dividends are withheld.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.76% | $176 |
Sources (3)
All captured Oct 15, 2026
Share Savings Account
0.10%APY
Membership eligibility required. Dividends are compounded daily and credited quarterly. If closed before dividends are paid for the current period, accrued unpaid dividends are withheld.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.10% | $10 |
Sources (2)
All captured Oct 15, 2026
Special Share Savings Account
0.10%APY
Dedicated savings account for a specific goal. Membership eligibility required. Dividends are compounded daily and credited quarterly. If closed before dividends are paid for the current period, accrued unpaid dividends are withheld.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Savings Account
0.45%APY
Offers traditional IRA savings. Membership eligibility required. Dividends are compounded daily and credited monthly. If closed before dividends are paid for the current period, accrued unpaid dividends are withheld.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.45% | $45 |
Sources (2)
All captured Oct 15, 2026
Christmas Club
0.10%APY
No early withdrawal fees. Membership eligibility required. Dividends are compounded daily and credited quarterly. If closed before dividends are paid for the current period, accrued unpaid dividends are withheld.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 15, 2026
Who can join EFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with specific partner companies or unions such as Local #577 Plasters and Cement Masons, AFSCME Colorado, or Eaton Metal Products.
- Eligibility is open to individuals affiliated with specified Colorado labor unions or any labor union affiliated with the Colorado AFL-CIO or the Denver Area Labor Federation.
Family and household
- Eligibility is open to family members of an EFCU member.
Cost to join
- A minimum share deposit of $25.00 is required for membership at the time of account opening.
Membership information collected October 4, 2026.