| Account | Minimum to Open | Balance Required to Earn Interest | Interest Rate | APY* |
| Share (Savings) Account | $15.00 | $50.00 | 0.15% | 0.15% |
| Youth Savings Account | $15.00 | $50.00 | 0.15% | 0.15% |
| IRA Share Account | $50.00 | - | 0.50% | 0.50% |
| Premier Checking Account | $1,000.00 | $1,000.00 to $4,999.99 | 0.00% | 0.00% |
| Premier Checking Account | $1,000.00 | over $5,000.00 | 0.25% | 0.25% |
| (NEW) eChecking | $0.00 | $0.00 to $5,000 | 3.00% | 3.03% |
| (NEW) eChecking | $0.00 | over $5,000 | 0.25% | 0.25% |
| Money Market Account | $2,500.00 | $2,500.00 to $24,999.99 | 0.50% | 0.50% |
| Money Market Account | $2,500.00 | over $25, 000.00 | .0.75% | 0.75% |
| Christmas Club Account | $5.00 | - | 1.00% | 1.00% |
| Vacation Club Account | $5.00 | - | 1.00% | 1.00% |
| Youth Club Account | $15.00 | - | 1.00% | 1.00% |
Dividends are paid from current earnings available after required transfers to reserves and only after the Board of Directors of El Paso Employees Federal Credit Union formally declares the dividend rate at the end of each quarter. The Rates listed are prospective dividend rates and are subject to change without prior notice. The APY is accurate as of the last dividend declaration date. For Money Market accounts there is a minimum balance of $2,500.00 required to avoid a $5.00 service fee for the dividend period. For Premier Checking accounts there is a minimum balance of $1,000.00 required to avoid a $6.00 service fee for the dividend period. Fees could reduce earnings on the account. For Share, Youth Savings, IRA Share, Premier Checking and Money Market Accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid. *APY is Annual Percentage Yield. As an eChecking Account holder, you must process 45 qualified transactions per quarter.If an eAccount holder does not meet the requirements or disqualifies for the quarter the eChecking account will not earn a dividend for that quarter and the credit union ATM withdrawal fees will be charged.
Please note the APY is accurate and effective as of January 1, 2012.
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