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    Education Personnel Federal Credit Union’s savings account is the first step to the benefits our great products and services provide. All you need is $25 to open your account (this is your initial deposit, not a membership fee). These accounts earn quarterly dividends.

    • View our savings rates.
    • Join the credit union.



    Saving up for a new car? Need to set aside money for real estate taxes? Take advantage of our special savings accounts. Like our regular savings accounts, they pay quarterly dividends, but you can open one with as little as $1!



    Many banks claim to offer free checking, only to ding you with large minimum balance requirements and nuisance fees. Education Personnel Federal Credit Union offers truly free checking with no minimum balance requirement, unlimited check writing and many other perks.

    Switching Financial Institutions

    Worried that switching to EPFCU checking will be a hassle? No worries. We will make it easy to switch to a financial institution you love with our switch kit!



    This account is a great way to save money year-round for a stress-free holiday. Pay yourself first through direct deposit or payroll deduction. The best part is that you can use the funds any time you want – no waiting for a deposit from us!

    • View our Holiday savings rates.
    • Enroll in payroll deduction by calling us or coming to our office.



    Teach your children or grandchildren ages 12 and younger the value and importance of saving money. All it takes is some seed money to join the Johnny Appleseed Club. Don't worry, a small amount will do, as these accounts have a minimum balance of only $5.

    Junior members will develop a healthy habit of saving, receive an annual birthday gift and get other fun surprises throughout the year!



    EPFCU gives you several investment options, including Individual Retirement Accounts, Market 50 and Market 60 Money Market Accounts and Coverdell Education Savings Accounts.
    View our investment rates.

    Individual Retirement Accounts

    We offer Traditional Individual Retirement Accounts options that help you personalize your retirement plan and maximize your benefits. You can even roll over or invest funds from an existing IRA.

    • Anyone younger than 70 ½ with compensation may deposit to an account.
    • Receive competitive dividends on your investment.
    • Withdraw funds penalty-free for qualified expenses or after the age of 59 ½.
    • Enjoy tax-deductible contributions.*
    • Transfer from another qualified account to EPFCU.

    *For qualifying individuals. Consult your tax advisor regarding tax deductibility and the credit union for complete details.

    Money Market 50

    Investing is a balancing act between getting the interest rates you want and having access to your money when you need it. Get the best of both worlds with EPFCU’s Market 50 Account. A minimum balance of $5,000 will earn you a higher interest rate while still allowing you to withdraw the money on demand with no penalties. Should your balance fall below $5,000, we simply move the remainder back to your regular savings account.

    Money Market 60

    EPFCU’s Market 60 Account offers the same benefits as the Market 50 Account, but pays a premium interest rate for a minimum balance of $10,000.

    Coverdell Education Savings Account

    This savings account is an incentive to help parents and students save for education-related expenses.

    • Make contributions up to the limit established by the Internal Revenue Service.
    • Receive competitive dividends on your investment.
    • Contributions are not deductible, but amounts deposited in the account grow tax free if distributed for allowable expenses.

    Visit Indicates an external website. the IRS site to learn more.



    Your investments are federally insured up to $250,000 by the National Credit Union Share Insurance Fund. There is no safer place for your money.


    Claim your no-cost AD&D coverage now. Members only.

    TruStage offers a variety of insurance products including home, auto, whole life, term life and health to help credit union members protect what matters most. Visit Indicates an external website. their website to learn more.

    Accidental Death & Dismemberment

    An accident can take a lot from you – your eyesight, hearing, the ability to speak, a limb, even your life. But thanks to an accidental death and dismemberment coverage plan offered by your credit union, life can go on for you and your loved ones, with the plan paying a lump sum when you or your beneficiaries need it most.

Phone: (217) 446-0777 | Fax: (217) 446-2522
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