Credit union · NCUA insured
Emerald Empire Federal Credit Union Savings Rates
Emerald Empire Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its My Account. Rates checked October 22, 2026.
How Emerald Empire Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Eugene, OR, where Emerald Empire Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Emerald Empire Federal Credit Union
1.50%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $150
Money Market Account
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Emerald Empire Federal Credit Union savings score
80
Savings score
Higher than 52% 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%
- QualifiedQualified1.50%
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 Emerald Empire Federal 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 Account
Up to 1.50%APY
Tiered-rate account; dividends are compounded and credited quarterly based on average daily balance once minimum daily balance reaches $5,000. Rate applies to the entire balance once a balance range is met. Preauthorized, automatic, telephonic, or electronic transfers are limited to 6 per month. Under Financial Partners, earn an additional 0.10% APY for having 2-3 qualified services and an additional 0.20% APY for 4 or more qualified services.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $4,999No dividend paid until minimum daily balance reaches $5,000.00. · $0 to open | 0.00% | $0 | — | No dividend paid until minimum daily balance reaches $5,000.00. |
| $5,000 – $24,999Tier 1 relationship rate with Financial Partners: requires 4 or more qualified services (additional 0.20% APY; 2-3 qualified services earn an additional 0.10% APY). Dividends paid on full balance. · $5,000 to open | 1.50% | $5,000 | $150 | Tier 1 relationship rate with Financial Partners: requires 4 or more qualified services (additional 0.20% APY; 2-3 qualified services earn an additional 0.10% APY). Dividends paid on full balance. |
| $5,000 – $24,999Tier 1 standard base rate. Dividends paid on full balance once $5,000 minimum balance is met. · $5,000 to open | 1.30% | $5,000 | $130 | Tier 1 standard base rate. Dividends paid on full balance once $5,000 minimum balance is met. |
| $25,000 and upTier 2 relationship rate with Financial Partners: requires 4 or more qualified services (additional 0.20% APY; 2-3 qualified services earn an additional 0.10% APY). Dividends paid on full balance. · $25,000 to open | 1.80% | $25,000 | — | Tier 2 relationship rate with Financial Partners: requires 4 or more qualified services (additional 0.20% APY; 2-3 qualified services earn an additional 0.10% APY). Dividends paid on full balance. |
| $25,000 and upTier 2 standard base rate. Dividends paid on full balance. · $25,000 to open | 1.60% | $25,000 | — | Tier 2 standard base rate. Dividends paid on full balance. |
Sources (1)
- youreecu.org/rates/savings-rates · captured Oct 15, 2026
My Account
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDividends compounded and credited quarterly. Calculated using average daily balance method.$250 and up | 0.25% | $25 | Dividends compounded and credited quarterly. Calculated using average daily balance method. |
Sources (1)
- youreecu.org/rates/savings-rates · captured Oct 15, 2026
CHEF
0.15%APY
Children's Higher Education Fund account meant to be a long-term savings plan. Up to 6 preauthorized, automatic, telephonic, or electronic transfers per calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly. Calculated using average daily balance method.$100 and up | 0.15% | $15 | Dividends compounded and credited quarterly. Calculated using average daily balance method. |
Sources (2)
All captured Oct 15, 2026
Regular Share Account
0.05%APY
Up to 6 preauthorized, automatic, telephonic, or electronic transfers per calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends compounded and credited quarterly. Calculated using average daily balance method.$50 and up | 0.05% | $5 | Dividends compounded and credited quarterly. Calculated using average daily balance method. |
Sources (2)
All captured Oct 15, 2026
Secondary Savings Account
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends compounded and credited quarterly. Calculated using average daily balance method.$50 and up | 0.05% | $5 | Dividends compounded and credited quarterly. Calculated using average daily balance method. |
Sources (1)
- youreecu.org/rates/savings-rates · captured Oct 15, 2026
Special-purpose accounts
IRA (Traditional or Roth)
Up to 0.65%APY
Traditional or Roth IRA savings account. No set-up fee and no annual fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarn an additional 0.20% for having 4 or more qualified Financial Partners services. Dividends compounded and credited quarterly. Calculated using average daily balance method.$100 and up | 0.65% | $65 | Earn an additional 0.20% for having 4 or more qualified Financial Partners services. Dividends compounded and credited quarterly. Calculated using average daily balance method. |
| $100 and upEarn an additional 0.10% by having 2-3 qualified Financial Partners services. Dividends compounded and credited quarterly. Calculated using average daily balance method.$100 and up | 0.55% | $55 | Earn an additional 0.10% by having 2-3 qualified Financial Partners services. Dividends compounded and credited quarterly. Calculated using average daily balance method. |
| $100 and upBase rate without Financial Partners qualification. Dividends compounded and credited quarterly. Calculated using average daily balance method.$100 and up | 0.45% | $45 | Base rate without Financial Partners qualification. Dividends compounded and credited quarterly. Calculated using average daily balance method. |
Sources (2)
All captured Oct 15, 2026
Who can join Emerald Empire Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works (or regularly conducts business in), worships, or attends school in, and businesses and other legal entities located in Lane County, Oregon.
Family and household
- Family members of EEFCU members, regardless of location, are eligible to join.
Cost to join
- An initial share deposit of at least $25 is required, which will be held in the account for the life of membership.
Membership information collected October 4, 2026.