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Rates & Fees
Saving
- Share Savings
  The basic account one must open in order to become a member of Educational Community Alliance Credit Union.
- Special Savings
  Secondary savings accounts which offer the opportunity to save for a special trip, vacation, or holiday shopping.
- Checking
  Our signature product is versatile - earn the basic dividend for regular checking or earn a higher dividend with Ultimate Rewards Checking.
- Money Market
  Our Extra Credit Money Market offers a higher interest rate than a regular share savings and because it's tiered... the more you save, the more you earn.
Borrowing
- Auto Loan
  Educational Community Alliance Credit Union offers you an opportunity to get pre-approved for your loan before you begin shopping.
- Home Equity
  The value you have built in your home over the years may be used to obtain a low-interest Home Equity Loan.
- Personal
  Our signature/unsecured loans are the most popular loan type available. Get money for debt consolidation, car repairs, medical expenses - just about anything!
- Recreation Loan
  For just about anything you might use to enjoy your leisure time - powered or not, two wheels, four wheels, no wheels.
- Credit Cards
  As your financial partner, we offer VISA credit cards at lower rates and fees than many other financial institutions. Stop paying high rates and annual fees.
Managing
- Teller Phone
  Use any touch-tone phone to access your accounts 24/7.
- Direct Deposit
  Electronically transfer and deposit your “net” pay, retirement or government issued checks directly into your credit union accounts.
- Payroll Deduction
  Automatically deposit a portion of your “net” pay into your credit union account, making loan payments and investing convenient.
- Online Banking
  Use any computer, with internet access, to manage your accounts any where, any time.
- Mobile Banking
  Use your “smart” phone, tablet or other mobile device to access and manage your accounts at your convenience. Down load our FREE mobile banking app to get started.
- Bill Payer 24
  Enjoy the convenient, secure, and hassle-free way to pay your bills electronically from your credit union checking account.
Investing
- CDs
  Share Certificates, commonly referred to as CDs or Certificates of Deposit, are available with a minimum deposit of $500 and terms from 6 mos. to 4 yrs.
- IRAs
  Individual Retirement Accounts are available in a traditional savings type account or for a longer term under our share certificate programs.
Membership
- Become a Member Today
  Anyone employed in or retired from any position within the education industry (or family members of existing Educational Community Alliance Credit Union members) may join.
- Learn About Other Benefits
  Enjoy discounts on amusement park, local sports teams’ tickets, movie passes and more!
About Us
- Contact Info & Locations
  View our convenient locations and get contact information for our branches.
- Privacy & Legal
  View disclosures, product and member information.
- Forms & Applications
  Access forms and applications.

Get Help to Manage Your Debt

September 20, 2013

We recognize that these are tough economic times for many people. Some are experiencing financial difficulties, particularly when it comes to managing their debt. As your credit union, we believe it is our responsibility to help manage all aspects of your finances, including debt, when times become tough. That’s why we have partnered with Trinity Debt Management, an Ohio-based, non-profit company.

The Trinity Team is comprised of financial experts, including certified counselors and debt specialists, who can assist and advise you regarding budgeting, personal finance matters, debt management and more. Specific financial areas where Trinity could assist are:

Debt Management (Enjoy a peace of mind when it comes to managing your debt.);
Debt Consolidation (Want one manageable monthly payment for your bills? Trinity can help.);
Credit Report Review (Learn to better read and understand your credit report.);
Financial literacy (Gain access to tools that will help increase your financial knowledge.); and
Budgeting (Get help setting up a monthly budget that will work.)

If your debt has you down, talk to Trinity Debt Management. Call 1-800-758-3844. A Trinity Debt Management counselor is standing by to assist you. or visit: www.trinitycredit.org. Get the expert advice you want. Utilize the online educational tools for personal finance at Money Ed: moneyedcu.org/educa.