Save for What Comes Next
Whether you're building an emergency fund, saving for something special or looking for a way to earn more on your money, Educators Credit Union has savings options designed for different goals and balances. Open a savings account with as little as $5 and become an Educators Credit Union member-owner.
Savings Rates at a Glance
Current savings rates as of November 1, 2026
| Savings Options1 | Annual Percentage Yield1 | Minimum to Earn Dividends2 | Best For |
|---|---|---|---|
| Prime Share Savings | as high as 0.06% | $100 | Membership and everyday savings |
| Change Up® Savings | as high as 0.51% | $0 | Automatic daily savings |
| Money Markets | as high as 3.00% | <$2,500 | Higher yield option |
| Share Certificates | as high as 4.20% | $500 | Terms as short as 91 days3 |
Which Savings Account is Right for You?
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I want a simple savings account.
Prime Share Savings
A $5 opening deposit establishes your membership. Once your balance reaches $100, the account earns dividends.
I can leave my money for a while.
Share Certificates
Lock in a dividend rate for a selected term ranging from short-term certificates to multi-year options.
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I have a larger balance.
Money Market Accounts
Earn tiered dividends while keeping your savings accessible. Educators offers money market options for different balance levels.
I want to save automatically.
Change Up® Savings
Turn everyday debit card purchases into savings. Eligible purchase are rounded up and the difference is automatically transferred.
Why Save with Educators Credit Union?
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Low Starting Balances
Most Educators savings accounts have low or no minimum opening balance requirements.
Competitive Dividends
Earn dividends on eligible savings balances with several account options.
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Easy Digital Access
View balances, transfer funds and manage your savings through Online & Mobile Banking.
Automatic Saving Options
Direct deposit, transfers and Change Up® Savings can make saving easier.
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No Limit on Withdrawals
Educators savings account provide convenient access when you need your money.
You’re a Member-Owner
A $5 Prime Share Savings deposit represents your ownership share in Educators Credit Union.
Frequently Asked Questions about Opening a Savings Accounts
Your $5 deposit into a Prime Share Savings account buys one share of Educators Credit Union, making you a member-owner. As a member, you earn dividends instead of interest once your balance meets the account minimum. Savings are federally insured by the NCUA, and you can open more accounts for specific goals.
Most Educators savings accounts earn dividends when applicable balance requirements are met. Rates and minimum balances vary by account.
A Prime Share savings account works well for general saving and typically has a low minimum balance. Money market accounts are generally designed for larger balances and offer tiered dividend rates.
A savings account lets you access your funds as needed. A share certificate earns a fixed dividend rate for a set term, from 91 days to 5 years. Share certificates can be opened with a minimum of $500. Some terms include an add-on option that lets you deposit more during the term. Early withdrawal penalties may apply.
Yes. Special savings accounts can be created for different purposes, allowing you to organize money for goals such as vacations, holidays and other planned expenses.
Yes. Educators members can use Online or Mobile Banking to review balances and manage eligible savings accounts.
Membership is available to those who live or work in the following Wisconsin counties: Dane, Green, Jefferson, Kenosha, Milwaukee, Ozaukee, Racine, Rock, Walworth, Washington, Waukesha, or the following Illinois counties: Lake, Boone, McHenry, Winnebago.
Open a Savings Account Today
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Ready to Start Saving?
Find the savings account that fits your goal and start building toward your financial goals.
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Disclosures
1Savings dividend rates may change after account opening.
2Applicable minimum balance requirements.
3Fees could reduce earnings on the account. Certificate maturity terms are 91 days to 5 years. Penalty may be imposed for early withdrawal.