MonitorBankRates
☰
  1. Home›
  2. Credit Unions›
  3. Electro Savings Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Electro Savings Credit Union Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare Electro Savings Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.60%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 3.50%. Savings rates are at 0.75% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to Electro Savings Credit Union rates. MonitorBankRates evaluates the financial stability of Electro Savings Credit Union with a 2.2 Star Rating, an F Overall Health Grade, and a Texas Ratio of 35.60%. Rates were last updated on 03/29/2026.

Electro Savings Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Electro Savings Credit Union? Share your experience about Electro Savings Credit Union by leaving a review below, or read customer reviews before you decide to use Electro Savings Credit Union.

Overall Health & Safety Grade ?
F
High Risk Health Score: 54/100
MonitorBankRates Rating ?
2.2
Average Out of 5.0 Stars
Texas Ratio ?
35.60%
Fair Higher than avg
Electro Savings Credit Union
Maryland Heights
1805 Craigshire Rd
Saint Louis, MO 63146
https://www.electrosavings.com
Member NCUA

Current Rate Availability

We do not have Electro Savings Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Electro Savings Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Electro Savings Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Electro Savings Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Electro Savings Credit Union
Website https://www.electrosavings.com
Address 1805 Craigshire Rd, Saint Louis, MO 63146
Phone 314-434-6470
Fax 314-434-3558
President James Mullineaux
CEO Jim Struble
Full-Time Employees 56
Part-Time Employees 2
Branch Locations 5
ATM Locations 4
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
2.2 / 5.0 ★
Overall Health & Safety Grade
F (54/100)
Texas Ratio
35.60%
Return on Assets (ROA)
-0.1723%
Return on Equity (ROE)
-2.9241%
Non-Performing Loans Ratio (NPL)
2.80%
Total Assets
210,803,332
Total Amount of Shares and Deposits
195,999,492
Total Shares and Deposits < 1 Year
181,547,268
Total Shares and Deposits 1 3 Years
8,365,217
Total Shares and Deposits > 3 Years
6,087,007
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,407,544
Total Uninsured Shares and Deposits > $250K (F+J)
6,407,544
Total Insured Shares and Deposits > $250K (item 17 less item K)
189,591,948
Total Interest Expense (Sum of items 6 8)
849,916
Share Certificates
1,807
Number of Accounts for Share Drafts
10,959
IRA KEOGH Accounts
986
Number of Accounts for Regular Shares
26,184
Non Member Deposits
43
Money Market Shares
409
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
26,931,826
Total Liabilities
200,353,892
Source: NCUA — Last Updated 03/31/2024

Customer Reviews

There are no reviews for Electro Savings Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Electro Savings Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Electro Savings Credit Union

Is Electro Savings Credit Union a safe place to deposit money?

Yes, Electro Savings Credit Union is considered a safe financial institution. With a Texas Ratio of 35.597962869271%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Electro Savings Credit Union operate?

Electro Savings Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Electro Savings Credit Union?

Yes, to access services at Electro Savings Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Electro Savings Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Electro Savings Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Electro Savings Credit Union offer online and mobile banking?

Most modern institutions like Electro Savings Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.electrosavings.com.

Compare to Other Credit Unions

Madison Fire Department Credit Union City of Clarksburg Federal Credit Union Chicago Avenue Garage Federal Credit Union Fort Smith Teachers Federal Credit Union NAFT Federal Credit Union West Branch Valley Federal Credit Union Rivermark Community Credit Union Red Rocks Credit Union Kennedy VA Employees Federal Credit Union NORTH TOWNS Pearl Hawaii Federal Credit Union UPSTATE TELCO Federal Credit Union Peoria Bell Credit Union Public Employees Credit Union Select Employees Credit Union Quindaro Homes Federal Credit Union Beach Municipal Federal Credit Union New Alliance Federal Credit Union ALCO 1st Community Federal Credit Union Enfield Community Federal Credit Union