All employees of East Central University, Pontotoc County Schools, Stratford Public Schools and Pontotoc Technology Center are eligible for membership. Also, all East Central University students, graduates and family members are eligible. Office/Drive-Thru hours Mon-Fri: 9:00 AM - 5:00 PM Saturday 9:00 AM - 12:00 PM
Free Checking Accounts
Free ATM Usage
Free Online Banking
Free Phone Banking. Types Of Loans
Signature loans may be used for any purpose. Members are eligible to apply for up to one month's gross salary. New and used auto loans are available at competitive rates. The Credit Union also offers Gap Insurance. New furniture,appliance and computer loans are also available. Credit Life and Disability Insurance are available from the Credit Union at a low interest rate and no annual fee. An Overdraft Protection Loan is also offered for your convenience.
Types Of Accounts:
Regular Share Accounts are the basic savings accounts. All members of the CU have a regular share account (savings account). Share Certificates/Certificates of Deposit earn a higher rate of interest. You can choose your term from 8 months up to 12 months. Please see "Rates" page for certificates rates. A penalty of 90 days interest will be imposed for early withdrawal,with certain exceptions. The APY assumes that dividends remain in the account. Notification of maturity will be provided to members at least 30 days before maturity. If no other instructions are received from the member,the account will renew automatically. Share Draft/Checking Accounts are free. We will even buy your first box of checks and there are no monthly service charges or per-check charges. Use your ATM card at the Credit Union's ATM - It's free!