Savings shouldn’t just sit around.
Let your money work for you.

Open Account

Cash Reserves Savings

A high-yield savings account that pays you a quarterly bonus* when you increase your account balance.

ECCU will pay a bonus of four times the growth perentage of the account balance within the quarter up to 10%. For example, if you grow your account by 2%, we'll pay you an 8% bonus!


Minimum Daily Balance

Rates Effective: September 01, 2022

This account pays interest for the portion of the balances in each tier. Example: Funds up to $500,000 will pay the first tier rate. Any balances over $500,000 will earn the second tier rate.


Minimum Opening Deposit
Monthly Maintenance Fee
One Time Membership Fee
Withdrawal Privileges
3 free per month, $10 each additional

See the schedule of fees for more information about this account.

*The actual bonus received will be four times the growth percentage of the account balance within the quarter, multiplied by the dividends paid in the account over the course of the quarter, subject to the 10 percent maximum cap. Example: 2.5 percent growth in dollars x 4 = 10 percent bonus, or 1.5 percent growth in dollars x 4 = 6 percent bonus.

1APY is Annual Percentage Yield. APY assumes that dividends remain on deposit for one year. Withdrawal of dividends and fees could reduce earnings.

Please refer to ECCU's Account Agreement and Disclosures and Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice. For current dividend rates and annual percentage yields, call Member Services at 877.545.0755 or internationally at 714.671.5705.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration (NCUA), a U.S. Government Agency.