--- title: "Electric Cooperatives Credit Union Rates (Nov 2026): CDs to 1.25%" description: "Electric Cooperatives Credit Union rates today: savings & CDs up to 1.25% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Electric Cooperatives Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/arkansas/electric-cooperatives" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Electric Cooperatives Credit Union Rates (Nov 2026): CDs to 1.25% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 4.500% | new | Standard | | **Campers/Boats** rv | — APR | 5.250% | — | Standard | | **Used Auto Loan** auto_used | — APR | 5.500% | used | Standard | | **ATV's/Motorcycles** powersports | — APR | 6.990% | — | Standard | Electric Cooperatives Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 11.500% | — | Standard | | **Personal/Signature** personal_unsecured | — APR | 14.500% | — | Standard | Electric Cooperatives Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Checking** money_market | 1.01% APY | 1.00% | — | Standard | | **Health Savings Account** savings | 1.01% APY | 1.00% | — | Standard | | **IRA** ira | 1.25% APY | 1.25% | — | Standard | Electric Cooperatives Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 1.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/arkansas/electric-cooperatives) , verified from [Electric Cooperatives Credit Union's official website](https://www.electriccoopfcu.org/) Loading branch locator… ## About Electric Cooperatives Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.6K Assets $18.8M Founded 1979 Locations reported 2 NCUA charter 23361 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Financial counseling Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Hope** Little Rock Branch · Little Rock · AR · 72209-4844 Branch in the same ZIP](https://rateapi.dev/credit-unions/mississippi/hope) [**Cooperative Extension Service** Corporate Office · Little Rock · AR · 72204-4940 About 3.3 miles away](https://rateapi.dev/credit-unions/arkansas/cooperative-extension-service) [**L R F D** Fire Station #6 · LITTLE ROCK · AR · 72206-1723 About 3.9 miles away](https://rateapi.dev/credit-unions/arkansas/l-r-f-d) [**Baptist Health** Kanis Location · Little Rock · AR · 72205 About 4.4 miles away](https://rateapi.dev/credit-unions/arkansas/baptist-health) [**Va Hospital** VA HOSPITAL FCU · LITTLE ROCK · AR · 72205-5446 About 4.5 miles away](https://rateapi.dev/credit-unions/arkansas/va-hospital) [**Uark** UAMS Branch · Little Rock · AR · 72205 About 4.9 miles away](https://rateapi.dev/credit-unions/arkansas/uark) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Electric Cooperatives Credit Union Membership eligibility from Electric Cooperatives Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Electric Cooperatives Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer rural electric cooperatives within the State of Arkansas, Southwest Power Pool, Today’s Power, Inc., ERMCO Verified from [Electric Cooperatives Credit Union's membership page](https://www.electriccoopfcu.org/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Electric Cooperatives Credit Union Employers 5 · Family 2 7 published paths to membership, last verified August 21, 2026, quoted from Electric Cooperatives Credit Union’s own published criteria. ### Employers 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of rural electric cooperatives within the State of Arkansas “They must be employees or directors of rural electric cooperatives within the State of Arkansas” > [source ↗](https://www.electriccoopfcu.org/about-us) - Employee of rural electric cooperatives within the State of Arkansas - Employee of Southwest Power Pool “Southwest Power Pool” > [source ↗](https://www.electriccoopfcu.org/about-us) - Employee of Southwest Power Pool - Employee of Today’s Power, Inc. “Today’s Power, Inc.” > [source ↗](https://www.electriccoopfcu.org/about-us) - Employee of Today’s Power, Inc. - Employee of Electric Cooperatives Federal Credit Union “employees of the credit union” > [source ↗](https://www.electriccoopfcu.org/about-us) - Employee of Electric Cooperatives Federal Credit Union - Employee of ERMCO - Works in city:TN:dyersburg “ERMCO, a wholly-owned subsidiary located in Dyersburg, TN.” > [source ↗](https://www.electriccoopfcu.org/about-us) - Employee of ERMCO and Works in Dyersburg, TN ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family “members of the immediate families of these persons” > [source ↗](https://www.electriccoopfcu.org/about-us) - Family member (immediate family) of a member - Family of a member spouse “They must be spouses of persons who died while within the field of membership of the credit union” > [source ↗](https://www.electriccoopfcu.org/about-us) - Family member (spouse) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Electric Cooperatives Credit Union? Yes No ## Work at Electric Cooperatives Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Electric Cooperatives Credit Union ranks against Arkansas peers. - See which AI assistants fetched Electric Cooperatives Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Arkansas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=electric-cooperatives&state=arkansas&code=AR&name=Electric%20Cooperatives%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Electric Cooperatives Credit Union offer? Electric Cooperatives Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Electric Cooperatives Credit Union rates updated? RateAPI verifies Electric Cooperatives Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Electric Cooperatives Credit Union's rate data? Rate data is collected directly from Electric Cooperatives Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Electric Cooperatives Credit Union's best CD rate? As of November 12, 2026, Electric Cooperatives Credit Union offers savings and certificate (CD) yields up to 1.25% APY. ### Who can join Electric Cooperatives Credit Union? Electric Cooperatives Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 5 employers for Electric Cooperatives Credit Union, each quoted from Electric Cooperatives Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Electric Cooperatives Credit Union's rates against national credit-union benchmarks. [More Arkansas credit unions](https://rateapi.dev/credit-unions/arkansas) [Arkansas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/arkansas) [Arkansas personal loan leaders](https://rateapi.dev/personal-loan-rates/arkansas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.electriccoopfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Electric Cooperatives Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Arkansas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Electric Cooperatives Credit Union curl "https://api.rateapi.dev/credit-unions/arkansas /electric-cooperatives " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Electric Cooperatives Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/arkansas/electric-cooperatives Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp