Credit union · NCUA insured
Electric Cooperatives FCU Savings Rates
Electric Cooperatives FCU’s best savings rate is 1.77% APY on $10,000, with its Money Market Checking. Rates checked October 22, 2026.
How Electric Cooperatives FCU’s savings rates compare
Compared with banks and credit unions near Little Rock, AR, where Electric Cooperatives FCU has the most branches. $10,000, best rate first.
This credit union’s best
Electric Cooperatives FCU
1.77%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $177
Money Market Checking
Top rate
First Service Bank
4.64%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $464
2nd-highest rate
Gateway Bank
4.08%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $408
Electric Cooperatives FCU savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.77%
- $100,000 balance$100,0002.28%
- QualifiedQualified1.77%
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 Electric Cooperatives FCU 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 Checking
1.77%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $5,000 | 1.01% | — |
| $5,000 – $10,000 | 1.51% | — |
| $10,000 – $25,000 | 1.77% | $177 |
| $25,000 and up | 2.28% | — |
Sources (1)
- electriccoopfcu.org/loans-rates · captured Sep 19, 2026
Regular Shares
0.10%APY
Dividends paid quarterly (minimum balance $250.00). Three (3) withdrawals or transfers per month without penalty. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.10% | $10 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Health Savings Account
2.01%APY
Must be covered by a qualified High Deductible Health Plan (HDHP) and meet IRS eligibility requirements. There is a $2.00 monthly administration fee. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 1.01% | — |
| $10,000 – $15,000 | 2.01% | $201 |
| $15,000 – $25,000 | 2.27% | — |
| $25,000 and up | 2.78% | — |
Sources (3)
- electriccoopfcu.org/savings-investments
- electriccoopfcu.org/health-savings-account
- electriccoopfcu.org/loans-rates
All captured Sep 19, 2026
IRA Savings Accounts
1.25%APY
Traditional and Roth IRA options available. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.25% | $125 |
Sources (2)
All captured Sep 19, 2026
Christmas Club
0.50%APY
Save throughout the year, funds transferred to ECFCU checking or savings account on November 6. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.50% | $50 |
Sources (2)
All captured Sep 19, 2026
Who can join Electric Cooperatives FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible for membership.
- Employees or directors of rural electric cooperatives within the State of Arkansas, Southwest Power Pool, Today’s Power, Inc., or ERMCO (a wholly-owned subsidiary located in Dyersburg, TN) are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
Family and household
- Members of the immediate families of qualifying persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of eligible individuals are eligible for membership.
Membership information collected October 4, 2026.