Share Rates
| Regular Shares | *APR | *APY |
|---|---|---|
| $250.00 - $1,499.99 | 0.10% | 0.10% |
| $1,500.00 - $4,999.99 | 0.10% | 0.10% |
| $5,000.00 - $9,999.99 | 0.10% | 0.10% |
| $10,000.00 and up | 0.10% | 0.10% |
| Traditional IRA | 0.40% | 0.40% |
| Roth IRA | 0.40% | 0.40% |
| Educational IRA | 0.40% | 0.40% |
| Holiday Club Account (max deposit $2,500.00) |
0.15% | 0.15% |
| Term Certificates | *APR | *APY |
|---|---|---|
| 3 month $1,000.00 and up | 1.00% | 1.00% |
| 6 month $1,000.00 and up | 1.25% | 1.25% |
| 12 month $1,000.00 and up | 1.50% | 1.50% |
| 18 month $1,000.00 and up | 1.75% | 1.75% |
| 24 month | 2.00% | 2.00% |
| Kids Share Account (up to age 15) | *APR | *APY |
|---|---|---|
| $25.00 - $2,499.99 | 0.10% | 0.10% |
| $2500.00 - $4,999.99 | 0.10% | 0.10% |
| $5000.00 and up | 0.10% | 0.10% |
Espeeco Federal Credit Union of Bakersfield, CA has 1,500 members and assets of $12 million. The credit union, opened in 1954, has 3 full time employees, or 500 members per employee, compared to a national average of 457.