Savings Accounts

Elko Federal Credit Union offers numerous types of savings accounts. Take a look at our selection and see which one is right for you.


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Membership Requirements:

In order to qualify for membership you must: live, work, worship, own a business, or attend school in Elko, Eureka, or Lander county Nevada.

If you are not yet a member, please download Member Application Form and mail it to us along with a copy of your government issued photo ID and a check in the amount of $30.00. All names going on the account must sign the form in order for the application to be processed**. For more information on our Disclosures, click here.

**All forms that are mailed into our offices must be notarized in order for them to be considered for membership.

Member Application Form

If you are already a member, please download and mail Account Change Form. All signers on the account must sign the application in order for it to be processed.

Account Change Form

You can bring in the completed form in to any of our locations, or you can mail the form to:

Elko Federal Credit Union
2397 Mountain City Highway
Elko, NV 89801

Savings Account Rates

 Account Type

Dividend Rate*


Share Savings Account 0.35% 0.35%

Student Share Savings Account

0.35% 0.35%
Moola Moola Kids Club Account 0.35% 0.35%
Vacation Club Account 0.35% 0.35%
Christmas Club Account 0.35% 0.35%
IRA Share Savings Account 1.50% 1.51%

*Dividend Rate
APY** Annual Percentage Yield
Fees could reduce earnings on Dividend Bearing accounts.
EFCU rates are determined by the Board of Directors. The dividend period for these types of account’s is monthly.  The dividend rate and annual percentage yield may change every dividend period. Minimum balance of $100.00 is required to earn dividends on Share Savings Accounts, Vacation Club Accounts and Christmas Club Accounts. Minimum balance of $25.00 is required to earn dividends on Student Share Savings and Moola Moola Kids Club Accounts.