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Savings Accounts

Not everyone saves money in the same way or for the same reasons. The important thing is to save. Even if it’s just a little bit at a time.  ESFCU has a variety of accounts so you can find the one that fits your needs.

Primary Account

Every ESFCU account holder has a primary savings account. By keeping at least a $25 balance in this account, you are a part owner of our credit union. That’s why we call you a member and not just a customer!

Custom Accounts

If you are saving for a something specific, it might help to have a savings account that you can customize and name so you can keep track.  Whether you call it Wedding, Taxes, Emergency or a Bike, we can set it up for you. 


It’s wise to invest in your future plans with ESFCU certificates.  Our certificates offer you the flexibility of saving over a longer period of time.  The longer the term, the higher rate we pay. It’s that simple.

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Save to Win

Save to Win.  The smartest way to save.This is a special savings account that you can open with just $25 – and you can add to this certificate as many times as you want AND you have a chance to WIN money each month!  

ESFCU has monthly drawings where you can win $25 or $10 PLUS you will be entered into the Save to Win National monthly and quarterly drawings where you could win up to $5,000!  We have had a $500 and a $1,000 winner from our credit union.  

The more you save the more chances you have to win – up to 10 drawing entries per month.  This is a great way to save a little bit at a time and watch it add up! 

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Club Accounts

Saving money for holiday gifts, a vacation or back to school expenses gets easier with our ESFCU Club Accounts. If you designate a portion of your direct deposit to be put into your Club account, you’ll be surprised at how fast the money adds up!


It’s never too early to start planning your retirement, and we make it easy with three options:  Traditional IRA, Roth IRA and an IRA Certificate. For details and current rates, please contact us at (620) 342-2336.