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Electrical Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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.electricalfcu.org
303-428-5080
5080 W 60th Ave
Arvada, CO 80003

Electrical Federal Credit Union is headquartered in Arvada and is the 48th largest credit union in the state of Colorado. It is also the 2,431st largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 6 employees and 3,984 members at 1 location. Electrical Federal Credit Union's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Electrical Federal Credit Union serves those who are affliated with several Colorado Labor Unions; including International Brotherhood of Electrical Workers Local 68 and 111, Carpenters Local 55, Office & Professional Employees International Union Local 30, as well as, any labor union affiliated with either the Colorado AFL-CIO or the Denver Area Labor Federation.
See current membership details

Reviews

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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. Electrical Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #8701
Year Chartered1953
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD8.27%
Annual Interest Income$593K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$51MM$50.5MM
LoansQ1 2025vs Q1 2024$24.4MM$24.4MM
DepositsQ1 2025vs Q1 2024$44.4MM$44.3MM
Equity CapitalQ1 2025vs Q1 2024$6.4MM$5.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$90K$82K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$181K$351K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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 7/18/2025
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.

Electrical Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$0-Round Up Shares
0.10%$25-Share/Savings
0.10%$0-Christmas Club
0.10%$0-Special Shares

Electrical Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.12%*$100k*-Money Market
OTHER TIERS: 1.76% → $1k - $25k | 1.97% → $25k - $100k

Electrical Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%*$0$5kHigh Voltage Checking
OTHER TIERS: 0.50% → $10k+ | 2.53% → $5k - $10k

Electrical Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.82%$1k-6 Month CD
3.82%$100k-12 Month Jumbo CD
3.67%$1k-12 Month CD
3.61%$100k-24 Month Jumbo CD
3.46%$1k-24 Month CD
3.46%$1k-36 Month CD
3.46%$1k-48 Month CD

Electrical Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.82%$1k-6 Month IRA
3.82%$100k-12 Month Jumbo IRA
3.67%$1k-12 Month IRA
3.61%$100k-24 Month Jumbo IRA
3.46%$1k-24 Month IRA
3.46%$1k-36 Month IRA
3.46%$1k-48 Month IRA
0.45%$0-IRA Share/Savings
Locations


Electrical Federal Credit Union Locations
Branch Office5080 W 60th AveArvada, CO 80003-6919

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