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Regular Savings Accounts Member savings accounts, or share accounts, are the foundation of our credit union. A $25.00 minimum balance on deposit in savings affords you an abundant array of financial services. Dividends on savings accounts are declared by the Board of Directors and paid quarterly. ESFCU consistently provides a better return on your money. Because our members own the credit union, all of the profits are returned to you in the form of interest, equity and new services. As an added benefit, life savings insurance is automatically provided on savings accounts at ESFCU. Savings Rates | Savings Calculator Club Savings Accounts With a Club Account, you can put aside money with each paycheck and save for a Vacation, Back-to-School expenses or next Christmas. You decide how much you want to put into your Club Account(s) - there is no minimum amount. That money automatically goes into your ESFCU Club Savings Account from your direct deposit or from your credit union account. Dividends on savings accounts are declared by the Board of Directors and paid quarterly. The funds will be paid to you by check or transferred to another account of yours. Just put your money in a Club account and it will be there when you need it! Savings Rates | Savings Calculator Certificates of Deposit Want higher earnings on your money? Invest in a short term credit union certificate of deposit. These time deposits are available in 6 month and 12 month terms. Check our rates and minimum balance requirements to find the right fit for your savings needs. Savings Rates | Savings Calculator National Credit Union Share Insurance Fund All share accounts at Emporia State Federal Credit Union are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF). Administered by the National Credit Union Administration, the NCUSIF is backed by the “full faith and credit” of the U.S. Government. |
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| This credit union is federally insured by the National Credit Union Administration. |