eCO Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.ecocu.org

205-226-3900

105 Frankfurt Cir
Birmingham, AL 35211

eCO Credit Union is headquartered in Birmingham and is the 30^th largest credit union in the state of Alabama. It is also the 1,328^th largest credit union in the nation. It was established in 1979 and as of March of 2025, it had grown to 37 employees and 16,261 members at 7 locations. eCO Credit Union's money market rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

eCO Credit Union membership is open to those who live, work, worship, or attend school in the Alabama counties of Blount, Cullman, Jefferson, Shelby, or Walker.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	65464
Year Chartered	1979
Employees	37
Primary Regulator

Profit Margin
Return on Assets - YTD	0.24%
Return on Equity - YTD	4.08%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$185.4MM$190.1MM
Loans	Q1 2025vs Q1 2024	$91.2MM$93.9MM
Deposits	Q1 2025vs Q1 2024	$175.4MM$179.6MM
Equity Capital	Q1 2025vs Q1 2024	$10.8MM$9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$357K$444K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$530K$644K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

eCO Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$100k^*	-	Share Savings
OTHER TIERS: 0.10% → $100 - $10k \| 0.20% → $10k - $40k \| 0.25% → $40k - $75k \| 0.30% → $75k - $100k
0.50%^*	$100k^*	-	Christmas Club
OTHER TIERS: 0.10% → $100 - $10k \| 0.20% → $10k - $40k \| 0.25% → $40k - $75k \| 0.30% → $75k - $100k
0.50%^*	$100k^*	-	Other Club Accounts
OTHER TIERS: 0.10% → $100 - $10k \| 0.20% → $10k - $40k \| 0.25% → $40k - $75k \| 0.30% → $75k - $100k

eCO Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%^*	$100k^*	-	Money Market Magic
OTHER TIERS: 0.75% → $2.5k - $40k \| 1.00% → $40k - $100k

eCO Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Checking

eCO Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.82%	$1k	-	1 Year CD
3.04%	$1k	-	5 Year CD
3.03%	$1k	-	18 Month CD
3.03%	$1k	-	2 Year CD
2.89%	$1k	-	4 Year CD
2.78%	$1k	-	3 Year CD
2.52%	$1k	-	30 Month CD
1.26%	$1k	-	6 Month CD
0.51%	$1k	-	3 Month CD

eCO Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.82%	$500	-	1 Year IRA
3.04%	$500	-	5 Year IRA
3.03%	$500	-	18 Month IRA
3.03%	$500	-	2 Year IRA
2.89%	$500	-	4 Year IRA
2.78%	$500	-	3 Year IRA
2.52%	$500	-	30 Month IRA
0.10%	$0	-	IRA Club

Locations

eCO Credit Union Locations
Branch Office	430 Main St	Trussville, AL 35173
Branch Office	4821 McAdory School Rd	Mc Calla, AL 35111-3441
Branch Office	2100 18th St S	Birmingham, AL 35209
Branch Office	105 Frankfurt Cir	Birmingham, AL 35211-6978
Branch Office	791 4th Pl SW	Alabaster, AL 35007-8878
Branch Office	1233 Pecan Ave	Gardendale, AL 35071
Branch Office	3746 Lorna Rd	HOOVER, AL 35216

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