Share accounts (savings) are the most fundamental of Credit Union products. To become a member, all one needs is $5 in a share account. After an account is open, you can take advantage of any of our other products and services.

You can make deposits into your share account through ACH, the mail, in person, payroll deduction, or phone transfers. You can make withdrawals from your share account by check OR cash (if available).

We offer a good dividend rate on accounts. Dividends are declared and paid from current earnings. Therefore, after an account is opened, the rate may change.

Today, the EFFCU is paying a competitive Dividend Rate on shares and share drafts that is declared each quarter and posted to the accounts the last business day of the quarter.

To earn dividends, you must have a minimum balance of $100 in your regular share accounts, and a minimum balance of $5 in all sub-accounts, christmas clubs, and share drafts (checking).

NOTE: Fees may reduce earnings. All shares are insured up to $250,000 by the National Credit Union Administration.

Contact our office to request a membership account card to open your account today, or for current Dividend Rates and the Annual Percentage Yield (APY).