Visa Card LoginOnline Banking Login
ElecTel Cooperative Federal Credit Union
Share Certficates & IRA's
Share Certficates

ElecTel Cooperative FCU offers highly competitive dividend rates on Share Certificates for terms of 90 days to 48 months. A low $500 minimum deposit lets you maximize your yield with the complete security of NCUA insurance. You’ll also enjoy:

  • A dividend rate that’s guaranteed throughout the term
  • Maximum return with dividends compounded and posted monthly
  • Statements detailing dividend earnings
  • At the end of the share certificate term, you will receive a maturity notice with a 10-day grace period. Take this opportunity to select another term, add funds to your account, or allow your certificate to renew automatically.

Please visit our rates page for more information, or call us at 1-800-849-5600 for our current specials!


IRAs are more flexible than they've ever been. They're no longer considered strictly retirement savings tools because they can help you pay for college, a first-time home purchase and more. Plus, with Roth IRAs, you can withdraw your regular contributions tax and penalty free* at any time, for any reason - as long you don't tap into your earnings.
Retirement plan changes under the Economic Growth and Tax Relief Reconciliation Act provide even more incentives for saving. Please click here for our current rates.

If you have additional questions, please contact us at 1-800-849-5600 or email at for up to date details on all of our IRA products.

Main Office: PO Box 27306, Raleigh, NC 27611
919-872-2395 | 800-849-5600 | fax: 919-876-8018