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eCO Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
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 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 29th largest credit union in the state of Alabama. It is also the 1,334th largest credit union in the nation. It was established in 1979 and as of December of 2024, it had grown to 38 employees and 16,269 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #65464
Year Chartered1979
Employees38
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD5.94%
Annual Interest Income$7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$181.4MM$201.1MM
LoansQ4 2024vs Q4 2023$91.9MM$94.9MM
DepositsQ4 2024vs Q4 2023$172MM$174.2MM
Equity CapitalQ4 2024vs Q4 2023$9.9MM$9.1MM
Loan Loss AllowanceQ4 2024vs Q4 2023$388K$457K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$654K$1MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
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 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
0.10%$0-IRA Club

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
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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