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ECU 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.ecucreditunion.com
727-471-1330
8250 Bryan Dairy Rd Ste 150
Largo, FL 33777

ECU Credit Union is headquartered in Largo and is the 90th largest credit union in the state of Florida. It is also the 2,735th largest credit union in the nation. It was established in 1991 and as of March of 2025, it had grown to 10 employees and 2,484 members at 3 locations. ECU Credit Union's money market rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

ECU Credit Union of Florida is open to those who live or work in the Florida Counties of Hillsborough, Orange, Osceola, Pasco, Pinellas, or Seminole. Employees of CVS Health, Rite Aide, Bardmoor Palms facility, Eckerd Kids, Walgreens, or employed by an affiliated contractor, sub-contractor, or at a facility located within the same complex as a branch office also qualify. Membership eligibility also extends to include the former ECU credit unions members and the family members of current credit union members.
See current membership details

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Health
B

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. ECU Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #67336
Year Chartered1991
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD3.68%
Annual Interest Income$444K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$36.2MM$37.2MM
LoansQ1 2025vs Q1 2024$11.9MM$12.3MM
DepositsQ1 2025vs Q1 2024$30MM$31.2MM
Equity CapitalQ1 2025vs Q1 2024$5.8MM$5.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$139K$165K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$138K$238K
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.

ECU Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$500-Regular Share Savings
0.25%$0-Youth Share Savings
0.25%$0-Christmas Club
0.25%$0-Pet Care Club
0.25%$0-Vacation Club Account

ECU Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-Money Savers
OTHER TIERS: 1.00% → $5k - $10k | 1.26% → $10k - $25k | 1.51% → $2.5k - $50k | 1.76% → $50k - $100k

ECU Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5k-Elite Checking
0.15%$5k-Preferred Checking
0.15%$5k-High School Checking

ECU Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-IRA Account
OTHER TIERS: 0.50% → $0 - $2.5k | 0.75% → $2.5k - $5k | 1.00% → $5k - $10k | 1.26% → $10k - $25k | 1.51% → $25k - $50k | 1.76% → $50k - $100k
Locations


ECU Credit Union Locations
Branch Office16597 Interstate 45 SConroe, TX 77385
Branch Office8250 Bryan Dairy Rd Ste 150Largo, FL 33777
Branch Office8201 Chancellor DrOrlando, FL 32809

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