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Why Choose EVFCU for Checking and Savings Accounts in St. Louis County
Big banks are not built for rural Minnesota. EVFCU is. As a member-owned, not-for-profit credit union, we do not answer to outside shareholders. Every dollar we earn goes back into better rates, lower fees, and stronger service for our members throughout St. Louis County. That is the credit union difference, and it is why families across Embarrass, Tower, and Nett Lake have trusted EVFCU for generations.
Membership also connects you to something bigger than a bank account. EVFCU proudly serves the Bois Forte Band of Chippewa community in Nett Lake, and our CDFI certification reflects a mission built around community development rather than profit. When you bank with EVFCU, your money stays local and works for the community you call home.
Share Savings Account
This is your membership account with EVFCU, and it is the foundation of everything else we offer. A small minimum balance establishes your ownership stake in the credit union and gives you access to every other account and service.
Account Features:
No minimum balance required
No monthly fee
Free debit card to your account to access funds anytime, anywhere.
With:
1. 24/7/365 fraud protection by Brella
2. Access to thousands of fee-free ATMs within the Brella Network
3. Traveling out of the area? We can set travel notices to keep you moving without worrying about your card being blockedFree online banking - yes, we have an app for that! (Located in your app store)
Free mobile deposit - Deposit checks from anywhere using your smartphone camera
Free access to bill pay - Pay all your bills from one secure location free. *5.00 monthly fee will apply if Bill Pay is activated and not used. Service can be canceled by an MSR for no fee
E-statements available
Overdraft Line of Credit - an option for those unexpected accounting errors. Let us see if this is right for you!
Brella app - free in app store!
1. Allows you to track your debit card purchases
2. Person to Person pay - send money to anyone anywhere using your debit card
3. ATM locator
4. Set up your own fraud alerts - get emailed directly with anything above your limits
5. Misplace your card? Disable it right from the appl Found it again? Reactivate it!Text banking - available during business hours
Order checks
Stop in or call us at any branch location today to learn of all the money-saving benefits of using a checking account with EVFCU
Checking Account
EVFCU checking comes with no monthly fee and no minimum balance requirement, so your money stays yours. Members get a free debit card with round-the-clock fraud protection, access to a nationwide fee-free ATM network, free online and mobile banking, and free mobile deposit for members who cannot always make it into a branch.
Teen Accounts
Our teen accounts help to educate our teenage members on the importance of good financial habits and what it means to be a credit union member. These accounts will open the conversation with parents and teens about responsibility. By opening your teen an account while they are still home, you can teach them and Embarrass Vermillion FCU will be there to reinforce your message. We hope all our teen members will benefit from these services.
Teen Checking Accounts
Our teen checking accounts help you take a step towards financial independence by providing low-cost, flexible options. Teen checking accounts serve members age 13-18. If you're ready for an account, call the credit union and ask what services we offer. Once you know what features and benefits are available, talk with your parents. If you're younger than 18, you may have to have a parent listed on the account with you. But the account is still yours to spend and manage.
| Teen Services |
|---|
| Debit Cards |
| Limited to $100 cash per day |
| $500 in purchases per day |
| Share Certificates with special interest rates and/or terms |
Helpful Links
360 Financial Literacy
Have financial questions but don’t know where to start? Make a plan today!
Financial Football
This game is based on the rules of American Football (NFL), but it is your knowledge of financial literacy topics that will lead your team to victory!
U.S. Department of Labor
Preparing today’s youth for a safe and secure tomorrow. The YouthRules! initiative promotes positive and safe work experiences for teens by providing information about protections for young workers to youth, parents, employers, and educators. Through the YouthRules! initiative, the U.S. Department of Labor and its partners promote positive and safe work experiences that help prepare young workers in the 21st-century workforce.
Moose Club Accounts
Meet Moolah the Moose! Moose Club for children up to 12 years old
It’s never too early to start learning and planning for financial success for the Moose Club in your life!
The Mint
Teaching kids how to save in a digital world. In a world where digital transactions are increasingly becoming the preferred (and safest) option, it's time to re-think how we're teaching kids about saving money.
Funology
Funology is the science of having fun! We offer parents and teachers a wealth of resources to educate and entertain their little explorers.
Christmas Club and 'You Name It' Accounts
Avoid short-changing or running up unwelcome credit card debt by opening a Holiday Club Account or Christmas Club Account. These accounts can help you save for the holidays all year round by regularly taking an amount you designate out of your share savings or your paycheck and depositing it to this interest-earning account. The total amount accumulated in the account is mailed to you in the form of a check or can be transferred to any of your EVFCU accounts in early November each year.
‘You Name It’ Accounts
These accounts work like our Christmas Club Account but can be used to save for something specific like vacations, an annual bill you save to pay, or just for fun. This account is particularly useful for seasonal employees. Put something away each payday to help while you are off work during those down times.
Share Certificates
Earn competitive rates on share certificates!
Terms range from six to 24 months
All certificates require a $500 minimum deposit
Rates are subject to change without notice
There is a penalty for early withdrawal
How to Open an Account with EVFCU in St. Louis County
Getting started with EVFCU is simple, even if you are hours from the nearest branch:
Confirm you qualify for membership. Coverage extends to anyone who lives, works, worships, or attends school in St. Louis County north of Highway 16, as well as members of the Bois Forte Band of Chippewa community and their families.
Complete a membership application online or visit us at our Embarrass branch.
Fund your share savings account to establish membership, then open the checking or savings account that fits your needs.
Set up free online and mobile banking to manage your new account from anywhere in St. Louis County.
Checking and Savings Account Rates in St. Louis County
EVFCU offers competitive dividend rates on savings accounts and share certificates, along with fee-free checking that keeps more money in your pocket. Because rates change, we keep our most current numbers on our view our current account rates page rather than listing them here. Stop by or call your local branch, or view our current account rates online, to see what your money can earn with EVFCU today.
Who Can Join EVFCU
EVFCU membership is open to anyone who lives, works, worships, or attends school in St. Louis County, Minnesota, north of Highway 16, for at least six months of the year, along with their immediate family members. Membership also extends to enrolled members and employees of the Bois Forte Band of Chippewa in Nett Lake, employees of the Bois Forte Development Corporation, and employees of Nett Lake School ISD #707, along with retirees, pensioners, and spouses connected to any of these groups.
If you think you might qualify, learn more about who can join EVFCU and start the membership application today.
Get Your Checking and Savings Account in St. Louis County, MN Today
You do not have to settle for a big bank that does not know your community. Open a checking or savings account with EVFCU and join a not-for-profit, member-owned credit union built for the people of St. Louis County, Embarrass, Tower, and Nett Lake. [