Share Draft Checking Accounts
Our checking accounts are available to you with no service fees or no minimum balance requirements. The only additional charges would be for ordering checks, an overdraft of your account or if you wanted to place a “stop payment” on a check. No dividends are paid on checking accounts.Guardian Watchdog Overdraft Protection
Members may enroll in our overdraft protection program. Your overdrawn check, ACH or recurring debit card transactions are covered up to $300 by your credit union, including fees. You will be notified of the overdraft and are required to bring your account to a positive balance within 30 days. To enjoy this same coverage for everyday debit card transactions or ATM transactions, you must request we do so by "opting in" to this coverage. Please call us for more details.
A fee of $25.00/item is charged for overdraft protection, the same fee we would charge if we had to return an item. Items will be returned if the overdrawn balance will exceed the limit.
One of the requirements to become a member is that you maintain a Share Savings Account. The minimum deposit requirement is $5.00. You may open multiple Share Savings Accounts, if you like, and they are all under your base account number. Dividends are paid quarterly and are based upon EPFCU's earnings.Christmas Club Share Accounts
Our Christmas Club Accounts are paid out annually on the Tuesday following Columbus Day and are deposited directly into your Share Savings Account. Dividends are paid just prior to disbursement.Vacation Club Share Accounts
These accounts are designed for regular periodic deposits, similar to a Christmas Club, but funds are available for withdrawal at anytime in order to accommodate your vacation calendar. Dividends are paid quarterly and are based upon the credit union's earnings for the quarter.
Certificates of Deposit
We offer Certificates of Deposit to our members that range from 12 months to 36 months. Rates vary and change frequently, so ask one of our associates for information.