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Electro Savings Credit Union


Overview / Commentary
www.electrosavings.com
314-434-6470
1850 Craigshire Rd Ste 203
Saint Louis, MO 63146

Electro Savings Credit Union is headquartered in Saint Louis and is the 19th largest credit union in the state of Missouri. It is also the 1,179th largest credit union in the nation. It was established in 1941 and as of September of 2019, it had grown to 59 employees and 18,410 members at 5 locations. Electro Savings Credit Union's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Electro Savings Credit Union is open to individuals who live or work in the Missouri counties of Franklin, Jefferson, St. Charles, or St. Louis, as well as the City of St. Louis, or the Illinois counties of Jersey, Madison, Monroe, or St. Clair. Businesses in these areas are also eligible for membership.
See current membership details

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Health
B+

Data as of Q3 2019

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Health Grade Components

Overall
NCUA #62590
Year Chartered1941
Employees59
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD4.63%
Annual Interest Income$5.2MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$173.4MM$167.4MM
LoansQ3 2019vs Q3 2018$142.6MM$131.6MM
DepositsQ3 2019vs Q3 2018$156.8MM$145.2MM
Equity CapitalQ3 2019vs Q3 2018$14.9MM$14.8MM
Loan Loss AllowanceQ3 2019vs Q3 2018$0$874.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$850.00K$1.0MM
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Electro Savings Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%--Market Rate IRA Account
1.00%*$10k*-IRA Account
OTHER TIERS: 0.50% → Up to $10k
0.70%*-$25kKasasa Saver
OTHER TIERS: 0.15% → $25k+
0.50%*-$7.5kSuper Saver Savings
OTHER TIERS: 0.25% → $7.5k+
0.50%*-$7.5kStudent Services Savings
OTHER TIERS: 0.25% → $7.5k+
0.50%*-$7.5kSuper Powers Savings
OTHER TIERS: 0.25% → $7.5k+
0.30%--Holiday Club Savings
0.10%--Basic Savings (Regular Shares)
0.10%--Vacation Club
0.10%--Home Buyer Club
0.10%*$5k*-Business Savings
OTHER TIERS: 0.05% → Up to $5k

Electro Savings Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*$200kSuperior Money Market
OTHER TIERS: 1.00% → $200k+
0.50%$25k-Plus Money Market Account
0.40%*$50k*-Money Market Account
OTHER TIERS: 0.15% → Up to $10k | 0.20% → $10k - $25k | 0.30% → $25k - $50k
0.40%*$50k*-Business Money Market
OTHER TIERS: 0.15% → Up to $10k | 0.20% → $10k - $25k | 0.30% → $25k - $50k

Electro Savings Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*-$10kKasasa Cash
OTHER TIERS: 0.15% → $10k+

Electro Savings Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$10k*-36 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%*$10k*-38 Month CD - Bump Up
OTHER TIERS: 1.50% → $1k - $10k
1.75%*$10k*-60 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%$100k-24 Month Jumbo CD
1.75%$100k-36 Month Jumbo CD
1.75%$100k-60 Month Jumbo CD
1.75%$100k-Business 24 Month Jumbo CD
1.75%*$10k*-Business 36 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%$100k-Business 36 Month Jumbo CD
1.75%*$10k*-Business 38 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%*$10k*-Business 60 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%$100k-Business 60 Month Jumbo CD
1.65%$100k-24 Month Jumbo Monthly CD
1.65%$100k-36 Month Jumbo Monthly CD
1.65%$100k-60 Month Jumbo Monthly CD
1.65%$100k-Business 24 Month Jumbo Monthly CD
1.65%$100k-Business 36 Month Jumbo Monthly CD
1.65%$100k-Business 60 Month Jumbo Monthly CD
1.50%*$10k*-12 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.50%*$10k*-24 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.50%*$10k*-28 Month CD - Bump Up
OTHER TIERS: 1.25% → $1k - $10k
1.50%$100k-12 Month Jumbo CD
1.50%*$10k*-Business 12 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.50%$100k-Business 12 Month Jumbo CD
1.50%*$10k*-Business 24 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.50%*$10k*-Business 28 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.40%$100k-12 Month Jumbo Monthly CD
1.40%$100k-Business 12 Month Jumbo Monthly CD
1.25%$10k$100k9 Month CD - New Money Only
1.25%$10k$100kBusiness 9 Month CD - New Money Only
1.25%$1k$10k12 Month Save to Win CD
0.50%$1k-6 Month CD
0.50%$1k-Business 6 Month CD
0.25%$1k-3 Month CD
0.25%$1k-Business 3 Month CD

Electro Savings Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$10k*-60 Month IRA
OTHER TIERS: 2.00% → $1k - $10k
2.00%*$10k*-36 Month IRA
OTHER TIERS: 1.75% → $1k - $10k
2.00%*$10k*-38 Month IRA
OTHER TIERS: 1.75% → $1k - $10k
1.75%*$10k*-24 Month IRA
OTHER TIERS: 1.50% → $1k - $10k
1.75%*$10k*-28 Month IRA
OTHER TIERS: 1.50% → $1k - $10k
1.25%*$10k*-6 Month IRA
OTHER TIERS: 0.75% → $1k - $10k
1.25%*$10k*-12 Month IRA
OTHER TIERS: 1.00% → $1k - $10k
1.00%*$10k*-3 Month IRA
OTHER TIERS: 0.50% → $1k - $10k
Locations


Electro Savings Credit Union Locations
Branch Office16500 Manchester RdWildwood, MO 63040-1217
Branch Office1850 Craigshire Rd Ste 203Saint Louis, MO 63146
Branch Office407 Lafayette CtrManchester, MO 63011
Branch Office12400 Tesson Ferry RdSaint Louis, MO 63128
Branch Office1805 Craigshire RdSaint Louis, MO 63146

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