Checking Accounts

Ensign offers a variety of checking account products to fit your lifestyle.  A Visa Check Card is available with all accounts on approved credit. You can choose from one of these designs for your Ensign Visa Check Card. In addition, these checking accounts come complete with an Ensign Member Convenience Loan, on approved credit, the best alternative to a Payday Loan.

  • e-Checking
    e-Checking is available to members who want the convenience of our online services without the minimum balance requirements.  Free online services to save you time and money, and no per-check charges!  Free ATM and VISA Check Card transactions.  Compare e-Checking with other checking options .
     
  • Advantage Checking
    Advantage Checking takes all of the conveniences of e-Checking and adds a little more!  Free Money Orders and Cashier Checks.  Earn 100 Real Rewards when you open your account. Compare Advantage with other checking options.
     
  • Elite Checking
    Our Elite Checking account offers all the conveniences of our Advantage and e-Checking products with a few extra bonuses.  Open an Elite Checking account and earn 2,500 Real Rewards instantly.  These points can be used to buy down a rate on a new loan or buy up a rate on a new certificate account.  You also receive FREE checks during the lifetime of your account.  Compare Elite with other checking options.

  • eTeen Checking Account For eTeen Account Holders 14 thru 18, an eTeen Checking account includes all the benefits of e-checking and a cool eTeen VISA Check Card!  In addition, your first box of checks is on us!

  • The Missionary Checking Account is available to all missionaries while serving in the mission field.  Whether you are just turning 19 or going on a mission with your spouse—this is the account for you! 
    The Benefits of this account include:

    • $100 credit to your new missionary checking account.

    • Our signature Moroni VISA Card.   Ensign VISA Check Cards can be used wherever VISA is accepted worldwide. 

    • Use our Free online services to check your account whenever, wherever. 

    • When you return from your mission, you’ll receive 2,500 Real Rewards to buy down a rate on a new loan or buy up a rate on a new certificate account.
Savings Accounts

Membership Savings Account

A Membership Savings Account is the key to your membership.
Check out the benefits:

  • Competitive rate of return
  • Dividends compounded daily and paid monthly
  • Savings are Federally insured to at least $100,000 by the NCUSIF.
  • Direct deposit, automatic transfer, and payroll options
  • 24/7 remote access with e-Branch Online Services, Home Teller,
    and FREE ATM access thru the CO-OP Network
  • Real Rewards

Additional Savings Accounts

Save for Christmas, wedding, vacation, college, a mission or just for that rainy day! Additional savings accounts are available with no minimum deposit and no service fee.  Name your account as you choose.  Accounts can be funded through automatic transfer, direct deposit, and payroll options.  What are you saving for today?

Money Market Account

With high yielding investment rates offering flexible alternatives to the deposit and withdrawal limitations of certificates, the Ensign Money Market Account is sure to be an investment advantage for members. Features include check writing options, unlimited deposits, and up to 6 monthly withdrawals, plus an incredible rate! Current Rates
 

Certificate Accounts

Certificate Accounts
Lock in high rates with one of our certificates. Dividends can compound into the certificate, transfer monthly to your savings or checking account, or pay at maturity. Varying terms available to suit your financial needs. Use your Real Rewards points to increase your certificate rate by .25% APR. Current Rates 

Savers Certificate Accounts
Saving for a down payment on a house, college, vacation?  Open a Savers’ certificate to help you save a little more each month and lock in the high rates of our Certificate Accounts. Choose to automatically renew or transfer to another account upon maturity. Use your Real Rewards points to increase your certificate rate by .25%. Current Rates 

  • Minimum $50 opening deposit
  • Minimum $50 monthly transfer to certificate
  • Choose a 6 month or 12 month term 

Christmas Savers Certificates
Now is the time to start planning for next Christmas! Open a Christmas Savers Certificate today and see how easy it is to prepare for a worry-free holiday season this year!

  • $50 Minimum Initial Deposit
  • Deposit Anytime Each Month!
  • No Monthly Deposit Minimums!
  • Term Ends November 2008 (Just in Time for Christmas Shopping!)
Individual Retirement Account (IRA)

An Ensign Federal CU Individual Retirement Account is an excellent tool for retirement savings.  With options for tax-free or tax deductible earnings, as well as the Coverdell Education Savings Account (ESA), Ensign will help you save for retirement. Ensign Federal Credit Union provides financial education for FREE to its members through the BALANCE® Financial Fitness Program. To learn more information from BALANCE® about IRAs, Coverdell Accounts, and Investing for the future, Click Here. Current Rates

Bill & Penny Kids' Club Account



For kids under 12 years old, open your Bill & Penny Kids’ Club account today.
Here are the benefits of being a member:

  • Get Report Card Rewards (Bill & Penny Pay for “A’s”)
    • $1.00 for every “A” on your Report Card
    • Every “A” is an entry for one of four $150 Coverdell Savings Accounts
    • Every “A” is an entry for a yearly grand prize drawing for one of two $500 Coverdell Savings Accounts
  • Look for your Birthday Card in the mail and bring it in for a treat
  • Watch for Surprise Branch Visits from Bill & Penny
  • Learn how a savings account works with helpful savings tips from our friendly employees
eTeen Accounts


This exclusive account is for Ensign Members 12 thru 18 years old only.With an eTeen Account there’s a ton of cool benefits: