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eCO Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
Bonus Amount
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 30th largest credit union in the state of Alabama. It is also the 1,328th 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

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Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #65464
Year Chartered1979
Employees37
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD4.08%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$185.4MM$190.1MM
LoansQ1 2025vs Q1 2024$91.2MM$93.9MM
DepositsQ1 2025vs Q1 2024$175.4MM$179.6MM
Equity CapitalQ1 2025vs Q1 2024$10.8MM$9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$357K$444K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$530K$644K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
Bonus Amount
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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-Money Market Magic
OTHER TIERS: 0.75% → $2.5k - $40k | 1.00% → $40k - $100k

eCO Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Checking

eCO Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office430 Main StTrussville, AL 35173
Branch Office4821 McAdory School RdMc Calla, AL 35111-3441
Branch Office2100 18th St SBirmingham, AL 35209
Branch Office105 Frankfurt CirBirmingham, AL 35211-6978
Branch Office791 4th Pl SWAlabaster, AL 35007-8878
Branch Office1233 Pecan AveGardendale, AL 35071
Branch Office3746 Lorna RdHOOVER, AL 35216

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