800-552-6328 SEARCH Go to main content LOGIN OPEN AN ACCOUNT APPLY FOR Savings Rates OHecu Savings Rates Rates Subject to Change At Any Time Checking & Savings Accounts Effective Date: Tuesday, November 30th, 2021 Minimum deposit required to open the following accounts: Checking Account — $25.00 Regular Share Savings — $5.00 Special Savings, Summer Reserve, Vacation, Holiday — $5.00 Money Market — $1,000.00 IRAs Share Savings — $100.00 Name Balance APY* Rate Select Checking Account $0.00 - $999.99 0.00% 0.00% $1,000.00-$4,999.99 0.01% 0.01% $5,000.00 - $9,999.99 0.01% 0.01% $10,000.00 - $24,999.99 0.01% 0.01% $25,000.00 and up 0.01% 0.01% Select Checking Accounts earn the respective tiered rate on the entire average balance in the account during the monthly dividend period. Regular Share Savings $0.00 - $999.99 0.00% 0.00% $1,000.00 - $4,999.99 0.01% 0.01% $5,000.00 - $9,999.99 0.02% 0.02% $10,000.00 - $24,999.99 0.02% 0.02% $25,000.00 and up 0.02% 0.02% The Regular Share Savings account earns the respective tiered rate on the entire average balance in the account during the monthly dividend period. Special Savings, Summer Reserve, Vacation & Holiday $0.00 - $999.99 0.00% 0.00% $1,000.00 - $4,999.99 0.01% 0.01% $5,000.00 - $9,999.99 0.02% 0.02% $10,000.00 - $24,999.99 0.02% 0.02% $25,000.00 and up 0.02% 0.02% Special Savings, Summer Reserve, Vacation and Holiday accounts earn the respective tiered rate on the entire average balance in the account during the monthly dividend period. Money Market $0.00 - $999.99 0.00% 0.00% $1,000.00 - $4,999.99 0.02% 0.02% $5,000.00 - $9,999.99 0.02% 0.02% $10,000.00 - $24,999.99 0.02% 0.02% $25,000.00 and up 0.02% 0.02% Money Market account earns the respective tiered rate on the entire average balance in the account each day of the monthly dividend period. I.R.A. Share Savings ---- 0.04% 0.04% *APY=Annual Percentage Yield. Please review Member Packages for additional information. Please review Account Disclosures for details. Fees may reduce earnings on account. See Fee Schedule for details on fees. Term Deposit Rates - Gold Rate Effective Date: Tuesday, November 30th, 2021 Minimum deposit required to open the following accounts: Term Share Certificates - $500.00 I.R.A. Term Certificates - $500.00 A penalty may be imposed for withdrawals prior to maturity. Review the Account Disclosure for details on the early withdrawal penalty. Name Term APY* Rate Term Share Certificates 3-5 Months 0.07% 0.07% 6-11 Months 0.08% 0.08% 12-17 Months 0.10% 0.10% 18-23 Months 0.12% 0.12% 24-35 Months 0.15% 0.15% 36-47 Months 0.20% 0.20% 48-59 Months 0.25% 0.25% 60 Months 0.30% 0.30% Step-Up 18 18 Months 0.10% 0.10% I.R.A. Term Certificate Rates apply to all IRA Plan Types (Regular, Roth & Education) 3-5 Months 0.07% 0.07% 6-11 Months 0.08% 0.08% 12-17 Months 0.10% 0.10% 18-23 Months 0.12% 0.12% 24-35 Months 0.15% 0.15% 36-47 Months 0.20% 0.20% 48-59 Months 0.25% 0.25% 60 Months 0.30% 0.30% Step-Up 18 18 Months 0.10% 0.10% Term Deposit Rates - Silver Rate Effective Date: Tuesday, November 30th, 2021 Name Term APY* Rate Term Share Certificates 3-5 Months 0.04% 0.04% 6-11 Months 0.05% 0.05% 12-17 Months 0.07% 0.07% 18-23 Months 0.09% 0.09% 24-35 Months 0.12% 0.12% 36-47 Months 0.17% 0.17% 48-59 Months 0.22% 0.22% 60 Months 0.27% 0.27% Step-Up 18 18 Months 0.07% 0.07% I.R.A. Term Certificate Rates apply to all IRA Plan Types (Regular, Roth & Education) 3-5 Months 0.04% 0.04% 6-11 Months 0.05% 0.05% 12-17 Months 0.07% 0.07% 18-23 Months 0.09% 0.09% 24-35 Months 0.12% 0.12% 36-47 Months 0.17% 0.17% 48-59 Months 0.22% 0.22% 60 Months 0.27% 0.27% Step-Up 18 18 Months 0.07% 0.07% Term Deposit Rates - Standard Rate Effective Date: Tuesday, November 30th, 2021 Name Term APY* Rate Term Share Certificates 3-5 Months 0.02% 0.02% 6-11 Months 0.03% 0.03% 12-17 Months 0.05% 0.05% 18-23 Months 0.07% 0.07% 24-35 Months 0.10% 0.10% 36-47 Months 0.15% 0.15% 48-59 Months 0.20% 0.20% 60 Months 0.25% 0.25% Step-Up 18 18 Months 0.05% 0.05% I.R.A. Term Certificate Rates apply to all IRA Plan Types (Regular, Roth & Education) 3-5 Months 0.02% 0.02% 6-11 Months 0.03% 0.03% 12-17 Months 0.05% 0.05% 18-23 Months 0.07% 0.07% 24-35 Months 0.10% 0.10% 36-47 Months 0.15% 0.15% 48-59 Months 0.20% 0.20% 60 Months 0.25% 0.25% Step-Up 18 18 Months 0.05% 0.05% *APY=Annual Percentage Yield. Maturity in whole months only. APY is for Minimum Term Only. JUMBO CERTIFICATES: (Any certificate with a balance in excess of $90,000). Ask any Branch Manager for Rates. Term Deposit Accounts are subject to an early withdrawal penalty that may reduce earnings on the account. Review the Account Disclosure for details on the early withdrawal penalty. Monthly Dividend Certificate Effective Date: Tuesday, November 30th, 2021 Term Notes Any Term The dividend rate for the Monthly Dividend Certificate is the same as the rate for the various terms stated above. The APY does not apply to this account because the member receives a monthly dividend disbursement. Please review Member Packages for additional information. Please review Account Disclosures for details. Term Deposit Accounts are subject to an early withdrawal penalty that may reduce earnings on the account. Review the Account Disclosure for details on the early withdrawal penalty. PLEASE NOTE: The information provided here is accurate as of the above date and may have changed. To find out what may have changed, contact the Ohio Educational Credit Union at 216-621-6296 or write us at P.O. Box 93079, Cleveland, Ohio 44101-5079. Rates and terms are subject to change without notice. Go to main navigation Join Online Today Becoming a member at OHecu has never been easier. Get Started Contact Us BRANCH & ATM LOCATIONS 800-552-6328 ROUTING NUMBER: 241075124 NMLS# 114702 Quick Links FREQUENTLY ASKED QUESTIONS REFER A FRIEND THE CREDIT UNION DIFFERENCE CALCULATORS DISCLOSURES PRIVACY NOTICE CAREERS SITE MAP Your deposits are insured to $250,000 per account. This institution is not federally insured. MEMBERS' ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY. We do business in accordance with the Federal Fair Housing Law and with the Equal Credit Opportunity Act. © Copyright 2021 OHecu