Whether you are saving for that experience trip, first home, or retirement, Encentus offers a wide variety of saving options to meet your needs.
Savings Account
The savings account is what makes you a member of Encentus FCU. Your deposits are called “shares” and represent your ownership in the credit union.
- $5 initial deposit
- Dividends paid quarterly
Access to your savings account through online banking, phone, mail, payroll deduction or electronic deposits/withdrawals. The night depository is available all hours for deposits.
- Worldwide access through ATMs
- Perform transactions at any CO-OP Shared Branch location around the US and world.
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Share Certificates
A share certificate is similar to the certificate of deposit (CD) at a bank. You deposit a specific amount of money for a specific time at a specific rate.
- $500 minimum deposit
- 3 to 36 month terms available
- Subject to penalties for early withdrawal
Contact us to schedule an in-person or virtual visit
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Club Accounts
Club accounts are a special type of savings account.
- Vacation Club
- Christmas Club
- Dividends paid quarterly
- Earn dividends on balances up to $3,000
- Dividend rates slightly higher than regular share rate
Contact us to schedule an in-person or virtual visit
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Individual Retirement Accounts (IRAs)
An IRA is a special account that holds your funds for retirement. It acts as a tax-advantaged savings tool designed to provide retirement income. It is never too late to start saving for your retirement! We offer several options to meet your specific needs.
- $25 minimum deposit for IRAs
- $500 minimum deposit for IRA Certificates
- No required subsequent deposits, setup, or maintenance fees
- Dividends paid quarterly
- Traditional IRA
- Roth IRA
- SEP
- Traditional & Roth Certificates
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- Alternative Payment Frequencies
Use this calculator to determine your payment or loan amount for different payment frequencies.
- Loan Comparison Calculator
Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.
- Accelerated Debt Payoff Calculator
Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.
- Credit Union Certificate Calculator
Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance.
- Savings Goal Calculator
What will it take to reach your savings goal? This financial calculator helps you find out.