Accounts

Encompass Credit Union has various deposit account types to meet your financial needs. Call, click, or visit for more information.

Regular Savings Account

Your Primary Savings is the foundation of your credit union membership, and has a $5 minimum balance required to maintain your membership. It is the same as a savings account and, as such, provides a competitive return on your deposits. Daily earned interest is compounded and paid monthly. This Regular Savings Account gives you access to all Encompass offers, including the Alliance One ATM Network, which offers surcharge-free ATMs nationwide. Open your account and start reaping the benefits of Encompass membership today.

Other Savings Accounts

Need help budgeting your money or saving for a special reason? Open as many Vacation, Special Savings, Funds Manager, or Ultra Savings Accounts as you need to keep your money straight. All of our savings accounts provide competitive returns on your deposits and daily earned interest is compounded and paid monthly.

Christmas Club Account

Take some of the worry out of Christmas shopping with our Christmas Club Accounts. You make all of the decisions. You decide how much and how often to deposit money so you have the money set aside for Christmas shopping, all while earning a return on your deposits, just like our savings accounts. On November 1, the Christmas Club Account funds are transferred into your Regular Savings Account and the account renews for the next year. Christmas Club Accounts are subject to dividend forfeiture and closure for withdrawals prior to the renewal date.

Barnacle Caseys Kids Club Savings Account

This savings account offers the same benefits as our other savings accounts but is designed just for children 12 and under. It is a great way to teach children how to save money and to have fun while doing it. Prizes are awarded for achieving certain balance levels.

Worry Free Draft (Checking) Accounts

We make things easy with the Worry Free Draft (Checking) Account. If you maintain at least a $25 balance, you will avoid the monthly minimum balance fee. We offer services such as $500 overdraft protection, Remote Deposit Capture to deposit checks on the go with the Encompass Mobile App, access to the Alliance One ATM Network which offers surcharge-free ATMs nationwide, and iPay Bill Pay so you can securely pay your bills.

Ultimate Checking Accounts

Our Ultimate Checking Account has all of the great features of our Worry Free Draft (Checking) Account but will reward you with a higher interest rate for meeting minimum usage requirements on certain services we offer. Check out our Ultimate Checking FAQs.

Certificates 

A certificate is a secure investment available in a variety of terms ranging from 6 to 60 months with competitive rates and a $500 minimum balance requirement.  

Individual Retirement Accounts (IRA)

Our Traditional and Roth IRAs offer a no-risk option to provide stable returns on your investment to help prepare you for retirement.  A Traditional IRA is a tax-advantaged arrangement that allows earnings and deductible contributions to grow tax-deferred. Generally, Roth IRA accounts can allow your earnings to grow tax-free.

Coverdell Education Savings Accounts

Our Coverdell Education Savings Accounts are designed to help families pay for education. These accounts are created for the purpose of paying for the future cost of a child's education and allows total after-tax contributions of $2,000 per year for each child until they reach the age of 18. These contributions and their subsequent earnings are tax-free when withdrawn to pay for qualified education expenses.