Electric Cooperatives Federal Credit Union
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Regular Shares     Application

  • Minimum balance of $25.00
  • Three (3) withdrawals or transfers per quarter   Fees
  • Dividends paid quarterly (minimum balance $250)
  • NCUA insured to $250,000
  • E-Statement Free

 

Share Draft Checking     Application

  • Unlimited check writing
  • Dividens paid monthly on with daily minimum balance of $100                                   
  • No monthly fee with daily minimum balance of $100
  • Sur-charge free ATM  (locations of sur-charge free ATM)
  • Visa Check Cashing/Debt card     Application
  • Courtesy Pay on checking Accounts fee
  • Service fee waived for members over 60
  • Free Home Banking/Virtual Branch Service
  • Unlimited Bill Pay fee
  • E-Statements Free (here)

 

Money Market

  • Minimum Balance $2,500
  • Dividends paid monthly
  • If balance falls below minimum, dividends paid using the basic Share Draft terms and rate
  • Three (3) withdrawals or transfers per month with no fee
  • E-Statement Free

 

Contact us for more details.Christmas Club

Your account can begin at any time during the year.  Checks are issued on November 6th every year in time for you to start your Christmas shopping.  Speak to your local Treasurer or contact the Credit Union to open one today.

 

Share Certificate     Rates

We offer a variety of terms ranging from twelve (12) to twenty(24) months. You can earn higher dividends on certificates.  Contact the Credit Union to set up your Share Certificate.

 

Prepare for your futureIndividual Retirement Accounts     Rates

An IRA may provide a tax-deferred savings that lets you save money now as well as provide security for retirement years.  We can help you transfer your existing IRA or set up a new one today.

 

Consumer Loans     Application   Rates  NADA

Like our savings accounts we offer competitive loan rates and terms. Our most popular type of consumer loans are:

  • Imagine where a loan could take you!Personal, Signature
  • Share Certificate Secured
  • New and Used Auto
  • Boat, Watercraft, RV, Motorcycle

 

Visa Credit Card     Application

  • We offer a Fixed rate card (currently set at 13.9%APR)
  • No Annual Fee
  • Score Card Reward Points (redeem points)
  • ezCard online card access (access)

 

Payroll Deduction 

  • A convenient way to add regularly to your share account or make monthly payments for your loans.  Money is deducted from your payroll check each payday in an amount specified by you.

Direct Deposit    Application

  • No standing in line to make your deposit.  Easy and convenient. Your funds are available to you early on your payday.

Insurance

  • Credit Life and Disability Insurance is available in the event of death or disability for members who qualify.  

 

 

Services

We serve your whole family

  • Western Union   fees
  • Wire Transfer    fees
  • Direct Deposit/ACH Transfer
  • Payroll Deduction for Arkansas Electric Cooperatives Employees
  • Discount tickets for:
  • Route 66 Warranty (www.route66warranty.com)
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