People save money for different reasons.
      Vacations, College Tuition, Retirement.
      For this reason we have different types of savings accounts available

Share Accounts
A minimum deposit of $5.00 is all it takes to open a share account, commonly referred to as a savings account. A balance in this account is required for membership. It works just like a savings account. Dividends are paid quarterly based on the average daily balance in the account through the quarter.

Share Certificates
Our term share certificates provide an investment opportunity in which funds are deposited for a fixed term – from 6 months to three years. Funds deposited to these accounts generally receive a higher dividend rate than on most other share accounts. Our certificates require a minimum deposit amount of $500.00. Dividends are paid on a quarterly basis and at maturity. Deposits are insured up to $100,000.00 by the National Credit Union Share Insurance Fund. Early withdrawals are subject to penalties of 30 to 90 day loss of dividends depending on the term of the certificate.

Club Accounts
We offer a variety of club accounts. Christmas club is the most popular, it matures the end of September each year. We also offer club accounts that mature the end of each quarter throughout the year. Club accounts are paid dividends on an annual basis. Upon maturity all funds in the club account are transferred to your share account. This is a great way to save money separate from your regular shares for that special vacation, holiday events, or whatever.

Direct Deposit
With our Direct Deposit service, you never have to worry about where your money may be and when it is safe.
At EMFCU, our Direct Deposit offers you:
      · Convenient, hassle-free deposit of your paycheck into your specified account.
      · Automatic transfer of funds into any of your other EMFCU accounts.
      · Secure and reliable transactions you can count on.

Ask your employer to help you set up Direct Deposit of your paychecks to your EMFCU account. Or, Direct Deposit from one of your EMFCU accounts to another to pay for bills or loans, or to add to a special fund. For more information about how you can put Direct Deposit to work for you, simple come by the Credit Union or call 303-762-2308.