Savings & Certificates - Enbright Credit Union
OPEN AN ACCOUNT TODAY!

By clicking "OPEN AN ACCOUNT TODAY", you acknowledge you will be leaving the page and redirected to our membership enrollment page to open a Primary Savings Account.

OPEN AN ACCOUNT TODAY!

By clicking "OPEN AN ACCOUNT TODAY", you acknowledge you will be leaving the page and redirected to our membership enrollment page to open a Primary Savings Account.

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Saving Money at Enbright

Primary Savings
At Enbright Credit Union, All members are required to have a Primary Savings account.

Open a basic savings account, for only $25 plus a one-time $1 membership fee.

$25 minimum balance keeps the member in good standing.

 

Share Certificate CD

A Share Certificate CD is a savings account that generally offers higher dividends when the funds are left on deposit at the Enbright for a term such as 6 months or 12 months. Deposits and withdrawals are not allowed on the account until after maturity, when the certificate can be modified, renewed or cashed out. There is a minimum balance of $1,000 for all ECU certificates.

Money Market Accounts

The Enbright Money Market Account is a savings account that offers higher dividends than a basic savings for those with balances of $2,500 or more. Up to three withdrawals can be made from this account each month without penalty.

Individual Retirement Account

The Individual Retirement Account (IRA) is a savings account to help people save for retirement on their own, even if they already have a traditional pension or 401k. Enbright offers Traditional IRAs and Roth IRAS. Please note that deposits to an IRA may qualify as deductible income; consult your tax advisor for details to determine if this applies to you. The minimum balance for an IRA at Enbright is $100. Members may invest IRA funds into IRA Share Certificates to earn higher dividend rates.

Children’s Savings Accounts

Enbright offers Primary Savings accounts for members of the credit union ages 12 and younger. Children are encouraged to save regularly and receive small gifts when they make deposits at Enbright locations.

Ask about Enbright’s Christmas Club!

Save for holiday expenses with a minimum balance of just a penny.
Funds saved during the year are automatically transferred to the member’s Primary Savings account November 1 yearly. There is a small fee for early withdrawal.

What is the difference between Traditional & ROTH?

Do You Know Your Retirement Saving Options?

Saving money for vacations, college, or other planned expenses? Enbright’s Special Share Savings is a dedicated account for keeping you organized and on track when you’re saving for that special trip or gift! Ask a local ECU Branch about opening a Special Share Savings Today! 

*Additionally, deposits to an IRA may qualify as deductible income; consult your tax advisor for details to determine if this applies to you. See Membership Agreement for full terms and conditions.

E-Statements

Eliminate paper clutter and have your statements stored safely at Enbright. Should you need a copy of a statement, you can access your statements online in Online Banking. 

Statement Disclosures

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Wealth Management / Financial Consulting

Do you struggle with understanding your personal finances? Don’t worry, you aren’t alone! If you need help getting your financial health on track, contact Enbright CU today!

Digital Banking Services

Online Banking

24/7 access to manage your accounts from your desktop, tablet, or smartphone. Make transfers, set up recurring transactions, pay bills, and more.

Online Banking Disclosures

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Mobile App

With Enbright Mobile CU App,  you can easily manage your Enbright Accounts and cards!

Control your cards on your terms.
Gain insights into your spending habits,
Protect against fraud with real-time lost/stolen features.

Available on both Apple Store and Google Play Stores.

 

Overdraft Protection

Enbright CU understands that overdrafts can sometimes occur. That’s why we offer our members overdraft protection to protect accounts from being overdrawn. Ask an Enbright Credit Union Team Member for more information and sign-up today.  

Overdraft Disclosure

Overdraft Liability for Members. If on any day, the available funds in a member’s checking account are not sufficient to cover checks and other items posted to the account, those checks and items will be handled in accordance with ECU’s overdraft procedures or an overdraft protection plan that member has with ECU. Available balance is the current balance, minus any check holds, pending ATM/Debit transactions, pending ACH debits or other transactions which might create a hold on the funds in the account. The Credit Union’s determination of an insufficient account balance may be made at any time between the presentation and the Credit Union’s midnight deadline with only one review of the account required. The Credit Union has no duty to notify the member of an insufficient funds item. The Credit Union will charge a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your account. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw the member’s account, the member agrees to pay the overdraft amount immediately. ECU reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits.

Courtesy Pay

Courtesy Pay allows Enbright Credit Union to authorize every day debit card and ATM transactions to a specified maximum limit.

Courtesy Pay

Courtesy Pay. Courtesy Pay is a form of overdraft protection that is available to
all members in good standing holding a share draft account. Only one (1) share
draft account per member will carry courtesy pay.
After an initial 60 day probationary period, ECU may, within policy, pay drafts,
ACH payments, EFTs, or online bill payment overdrafts up to $1000. The sum
of the presented overdrawing items includes all fees assessed for using the
Courtesy Pay Program. The Credit Union will not cover an overdraft if doing so
would cause the total outstanding amount of courtesy pay transactions plus
related fees to exceed the cumulative negative balance limitation.
The member’s account will be assessed a Courtesy Pay Fee for each check,
ACH payment, EFT, or online bill payment honored. The Enbright Credit Union
Fee Schedule sets forth current Courtesy Pay/NSF items fees.
Courtesy Pay requires the member’s affirmative consent. The following
transactions REQUIRE THE MEMBER’S CONSENT before the credit union can
include them in the Courtesy Pay program. Choosing not to “Opt In” may result
in these items being declined:
ATM withdrawals
Debit/Check card purchases made at a merchant, online, or by
telephone. must call 615-687-4801 to open in or out, visit VNJW.enbrightcu.com
to obtain a Courtesy Pay Opt in form.
Member must deposit or obtain an approved loan from the Credit Union to cover
each overdraft within 45 days.

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