EPFCU offers all the savings tools you'll need as you start — or build — your financial life.
Build your savings for any purpose and the money will be there when you need it.
No gimmicks. Enjoy no minimum balance, monthly service charges or per-check fees.
Start or supplement your retirement savings plan is with an IRA Savings or Certificate.
We offer a variety of terms and flexible specials to earn higher dividends on your savings.
Earn a higher dividend on balances without compromising access to your funds.
Coverdell ESAs are the perfect savings vehicle to allocate money for a child’s education expenses.
EFFECTIVE 10-1-2026 *APY = Annual Percentage Yield. Share Account dividends are compounded and paid monthly. Dividend Rate and APYs are variable and are subject to change. If you close your share account prior to the payment of dividends, you will not receive the accrued dividend. Fees could reduce earnings on an account.
Savings Account Rates
Account
Min. Balance to Open
Min. Balance to Earn APY
Dividend Rate
APY*
Regular Savings
$10
$100 – $4,999
.10%
.10%
Regular Savings
$10
$5,000+
.15%
.15%
uChoose Club Accounts
$5
$5
.25%
.25%
Secondary Savings
$5
$100
.10%
.10%
IRA Savings
$5
$5
.25%
.25%
IRA Roth Savings
$500
$500
.50%
.50%
Educational Savings
$500
$500
1.25%
1.26%
EFFECTIVE 10-1-2026 †Smart Saver Term Share Certificate Balance Computation Method: Balance Computation Method: Daily Balance. Dividend Accrual: Dividends earned from day of deposit to day of withdrawal. Dividend accrual on non-cash deposits will begin on the day of deposit. Fees: No service fees. Early Withdrawal: Penalty for withdrawal of funds other than dividends prior to maturity is 90 days of dividends earned. Maturity: Rate is fixed for the term of the certificate. Notice of maturity is mailed fifteen (15) days prior to maturity date, stating the certificate will automatically renew. Withdrawal or transfer of certificate funds is permitted within a five (5) day period following the maturity date. Transaction Limits: After the account is opened, deposits into or withdrawals from the account are not permitted until maturity. Fees could reduce earnings on an account.
Smart Saver Term Certificate Rates†
Share & IRA Certificates
Min. Balance to Open
Min. Balance to Earn APY
Dividend Rate
APY*
6 Month Certificate
$1,000
$1,000
2.50%
2.53%
9 Month Certificate
$1,000
$1,000
3.37%
3.43%
12 Month Certificate
$1,000
$1,000
3.45%
3.50%
24 Month Certificate
$1,000
$1,000
2.96%
3.00%
36 Month Certificate
$1,000
$1,000
3.20%
3.25%
48 Month Certificate
$1,000
$1,000
3.00%
3.04%
60 Month Certificate
$1,000
$1,000
3.00%
3.04%
IRA Certificates
$500
$500
Same as Regular Certificate
Same as Regular Certificate
Jumbo Certificates
$100,000
$100,000
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*APY = Annual Percentage Yield **New money specials will renew as regular 12-mo certificate.
EFFECTIVE 10-1-2026 *APY = Annual Percentage Yield. Share Account dividends are compounded and paid monthly. Dividend Rate and APYs are variable and are subject to change. If you close your share account prior to the payment of dividends, you will not receive the accrued dividend. Fees may reduce earnings.
Money Market Account Rates
Balance
Min. Balance to Open
Dividend Rate
APY*
$1,000-$14,999
$1,000
.20%
.20%
$15,000-$34,999
$1,000
.25%
.25%
$35,000-$49,999
$1,000
.30%
.30%
$50,000+
$1,000
.35%
.35%
EFFECTIVE 10-1-2026 ††Bump Up Term Share Certificates allow you to “bump up” your dividend rate by requesting a one-time rate increase during the maturity term to the prevailing rate for the same term. Dividends are earned from day of deposit to day of withdrawal and are paid and compounded monthly. A penalty may apply for early withdrawal. Rate is fixed for the term of the certificate with the added allowance of one rate increase to the prevailing rate of the same term during the maturity period. Fees could reduce earnings on an account.
Bump Up Term Certificate Rates††
Share Certificate
Min. Balance to Open
Min. Balance to Earn APY*
Dividend Rate
APY*
48 Month Terms
$1,000
$1,000
2.90%
2.93%
60 Month Terms
$1,000
$1,000
2.90%
2.93%
*APY = Annual Percentage Yield
EFFECTIVE 10-1-2026 †††Pot of Gold Term Share Certificate dividends are compounded and paid quarterly. Dividend Rate and APYs are variable and subject to change. A penalty will apply for early withdrawal of any funds before maturity. Opening deposit must be equal to contracted deposit amount. Fees could reduce earnings on an account.
Pot of Gold Term Certificate Rates†††
Min. Weekly Deposit
Term
Dividend Rate
APY*
$6/week
48 – 72 Months
1.00%
1.00%
$25/week
48 – 72 Months
1.97%
1.99%
*APY = Annual Percentage Yield
Our Relationship Rewards gives our most active members free services, including Bill Pay, e-Statements, unlimited foreign ATM withdrawals, shared branch transactions, Money Orders, Travelers Checks and Wire Transfers. Plus, you’ll receive quarterly special offers in the mail. Find how to get Relationship Rewards!
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