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Cuentas de ahorro

Whether you’re looking to save for a rainy day fund or a specific purchase, having a savings goal in mind will help you choose the right account.

Classic Savings Account

This account has everything you need to start or continue your savings for any purpose. This is your credit union membership.

  • Dividend / Interest Earning

  • Asegurado por la NCUA hasta 250.000 dólares

  • Unlimited deposits & withdrawals

Tipos de ahorro clásicos

APY* Tipo de interés
0.05% 0.05%

Tarifas vigentes a partir del 6 de enero de 2022

Money Market

Una cuenta de mercado monetario asegurada que es competitiva con otros productos de ahorro del mercado. Los tipos de depósito de esta cuenta pueden aumentar a medida que añada más dinero.

A Money Market is a savings account that offers a higher interest rate than a traditional savings account. You can use the Money Market to grow your savings and reach your financial goals. If you are looking for a long term account with high yield, this is the account for you.

Tipos del mercado monetario

Saldo APY* Valora
$0–$2,500 0.05% 0.05%
$2,500–$20,000 0.10% 0.10%
$20,000–$75,000 0.15% 0.15%
$75,000+ 0.20% 0.20%

Tarifas vigentes a partir del 6 de enero de 2022

Velocity Money Market

Our new Velocity Money Market account offers tiered interest rates with unbeatable returns. Each tier earns its own interest rate so the more money you save, the more money you can earn!

  • TIER 1:
    Your first $50,000 earns 0.20% APY*

  • TIER 2:
    Your next $25,000 earns 0.50% APY*

  • TIER 3:
    Your next $25,000 earns 1.00% APY*

  • TIER 4:
    Your next $50,000 earns 1.51% APY*

  • TIER 5:
    Everything over $150,000 earns 2.02% APY*

Velocity Money Market Rates*

Average Daily Balance Tiers APY*
First $50,000 ($0-$50,000) 0.20%
Next $25,000 ($50,000-$75,000) 0.50%
Next $25,000 ($75,000-$100,000) 1.00%
Next $50,000 ($100,000-$150,000) 1.51%
Everything over $150,000 2.02%

Rates effective as of 10/1/2022

Here’s an example of how much you could earn with a total balance of $185,000:

Tiered Balance APY* Annual Interest
$50,000 @ 0.20% = $100
$25,000 @ 0.50% = $125
$25,000 @ 1.00% = $250
$50,000 @ 1.51% = $755
$35,000 @ 2.02% = $707
Total Earned
$1,937

*Tier 1- Your daily balance in tier 1 ($0.00 up to $49,999.99) will earn an interest rate of 0.20% and an APY of 0.20%. Tier 2- Your daily balance in tier 2 ($50,000.00 up to $74,999.99) will earn an interest rate of 0.50% with a 0.50% APY. Tier 3- Your daily balance in tier 3 ($75,000.00 up to $99,999.99) will earn an interest rate of 1.00% with a 1.00% APY. Tier 4- Your daily balance in tier 4 ($100,000.00 up to $149,999.99) will earn an interest rate of 1.50% with a 1.51% APY. Tier 5- Your daily balance in tier 5 ($150,000.00 or more) will earn an interest rate of 2.00% with a 2.02% APY. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. All applicants must meet East Idaho Credit Union account opening requirements. Some restrictions may apply.

Cuenta de jubilación individual (IRA)

Invierta en un futuro seguro para usted y su familia con una cuenta de jubilación individual (IRA). Nunca es demasiado pronto para empezar a ahorrar para la jubilación, y nosotros le proporcionamos las herramientas para hacerlo.

Individual Retirement Accounts (IRAs) are savings accounts that offer tax advantages to help you save for retirement. IRAs are a great way to supplement your other retirement savings, such as a 401(k) or pension.

Tarifas de las cuentas individuales

APY* Tipo de interés
0.05% 0.05%

Tarifas vigentes a partir del 6 de enero de 2022

Certificados de depósito (CD)

A Certificate of Deposit (CD) is a product offered by East Idaho Credit Union that provides an interest rate premium in exchange for the member agreeing to leave a lump-sum deposit untouched for a predetermined period of time.

For a limited time, take advantage of the following special rates when you open a new CD in branch:

Término Valora APY*
13 Months
Bump-up/Add-on CD
4.96% 5.05%
17 Months 4.47% 4.55%
26 Months 3.99% 4.05%
33 Months 2.77% 2.80%
45 Months 2.77% 2.80%

A Bump-up CD entitles the bearer to take advantage of rising interest rates with a one-time option to “bump up” the interest rate paid.
An Add-on CD allows the bearer to make up to 2 additional deposits into a CD account during the maturity term.

*APY = Annual Percentage Yield. Effective as of 2/15/2023. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at their discretion. View Rate & Fee Schedule.

Special CD Rates

For a limited time, take advantage of the following special rates when you open a new CD in branch:

Término Valora APY*
13 Months
Bump-up/Add-on CD*
4.96% 5.05%
17 Months 4.47% 4.55%
26 Months 3.99% 4.05%
33 Months 2.77% 2.80%
45 Months 2.77% 2.80%

A Bump-up CD entitles the bearer to take advantage of rising interest rates with a one-time option to “bump up” the interest rate paid.
An Add-on CD allows the bearer to make up to 2 additional deposits into a CD account during the maturity term.

Bump-up option is only available at the request of the member if the rate exceeds their current certificate interest rate, up to .50 basis points, and will only effect rate of dividends that have not been paid out. Members may only add additional funds up to 2 times.

Standard CD Rates

Término Valora APY*
6 meses 1.00% 1.00%
1 año 1.25% 1.26%
2 años 1.75% 1.76%
3 años 2.25% 2.27%
4 años 2.10% 2.12%
5 años 2.00% 2.02%

*APY = Annual Percentage Yield. Effective as of 2/15/2023. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at its discretion. View Rate & Fee Schedule.

Ahorro Pickle Jar

Our free Pickle Jar Savings Account attaches directly to your debit card and rounds up each transaction to the nearest dollar.

The difference will automatically be added to your Pickle Jar each day and you’ll be adding up savings without even trying! It’s an easy way to save money without any manual work.

Pickle Jar Rates

APY* Tipo de interés
0.10% 0.10%

Tarifas vigentes a partir del 6 de enero de 2022

Youth & Teen Accounts

East Idaho Credit Union no discrimina la edad. No te olvides de los jóvenes, ¡nosotros no lo hicimos! Porque nuestros miembros jóvenes son tan importantes, les animamos a que empiecen a ahorrar dinero a una edad temprana. Ayude a sus hijos a aprender sobre el valor del dinero y cómo pueden empezar a administrarlo correctamente.

Anímate y empieza a aprender lo que significa controlar tus propias finanzas, nosotros estaremos contigo en cada paso del camino con formación y apoyo.