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Area Educational Credit Union Rates & Review November 2026
Content reviewed by
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.
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 and Verified: October 29, 2026
Area Educational Credit Union's Personal Loan Rates are as low as 12.00%. MonitorBankRates evaluates the financial stability of Area Educational Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.62%. Rates last updated and verified on 10/29/2026.
Area Educational 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 Area Educational Credit Union? Share your experience about Area Educational Credit Union by leaving a review below, or read customer reviews before you decide to use Area Educational Credit Union.
Area Educational Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Area Educational Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.62%
ExcellentLower than avg
Area Educational Credit Union Texas Ratio
Area Educational Credit Union's Texas Ratio is 1.62%, which is considered excellent and is lower than the national average of 6.13%.
Area Educational Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.95% to 1.62% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Area Educational Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Car Loan - 20% Down
-
-
3.50%
36 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 3.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
3.90%
36 months
DetailsLoan Amount: Up to retail value; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 3.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - 20% Down
-
-
3.90%
48 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 3.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - Up to retail value
-
-
3.90%
36 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 3.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
3.90%
36 months
DetailsModel Years: 2025 - 2026; Loan Basis: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 3.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
4.50%
24 months
DetailsQualifier: NADA trade-in value
Last Updated10/29/2026
Rate History
2 changes since Oct 13, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.90% / low 4.50%
Oct 29, 20264.50%▼ from 4.90%
Oct 26, 20264.90%▲ from 4.50%
Oct 13, 20264.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
4.50%
36 months
DetailsLoan Amount: Up to 120% of Retail; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
4.50%
48 months
DetailsLoan Amount: Up to retail value; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
4.50%
60 months
DetailsDown Payment: 20% Down; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - 20% Down
-
-
4.50%
60 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - Up to 120% of Retail
-
-
4.50%
36 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - Up to retail value
-
-
4.50%
48 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
4.50%
24 months
DetailsModel Years: 2023 - 2024; Valuation: NADA trade-in value
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 5.50% → 4.50% ▼ 1.00 pts · high 5.50% / low 4.50%
Oct 22, 20264.50%▼ from 5.50%
Oct 19, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
4.50%
36 months
DetailsModel Years: 2025 - 2026; Loan Basis: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
4.50%
48 months
DetailsModel Years: 2025 - 2026; Loan Basis: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
4.90%
24 months
DetailsQualifier: Up to retail value
Last Updated10/29/2026
Rate History
2 changes since Oct 13, 2026 · 4.90% → 4.90% ▼ 0.00 pts · high 4.90% / low 4.50%
Oct 26, 20264.90%▲ from 4.50%
Oct 26, 20264.50%▼ from 4.90%
Oct 13, 20264.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
4.90%
36 months
DetailsQualifier: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
4.90%
48 months
DetailsLoan Amount: Up to 120% of Retail; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
4.90%
60 months
DetailsLoan Amount: Up to retail value; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
4.90%
72 months
DetailsDown Payment: 20% Down; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - 20% Down
-
-
4.90%
72 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - Up to 120% of Retail
-
-
4.90%
48 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - Up to retail value
-
-
4.90%
60 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
4.90%
24 months
DetailsModel Years: 2023 - 2024; Valuation: Up to retail value
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 5.50% → 4.90% ▼ 0.60 pts · high 5.50% / low 4.90%
Oct 22, 20264.90%▼ from 5.50%
Oct 19, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
4.90%
36 months
DetailsModel Years: 2023 - 2024; Valuation: NADA trade-in value
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 5.90% → 4.90% ▼ 1.00 pts · high 5.90% / low 4.90%
Oct 22, 20264.90%▼ from 5.90%
Oct 19, 20265.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
4.90%
36 months
DetailsModel Years: 2025 - 2026; Loan Basis: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
4.90%
48 months
DetailsModel Years: 2025 - 2026; Loan Basis: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
4.90%
60 months
DetailsModel Years: 2025 - 2026; Loan Basis: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 4.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2020 - 2022
-
-
5.50%
24 months
DetailsBasis: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
5.50%
24 months
DetailsQualifier: Up to 120% of Retail
Last Updated10/29/2026
Rate History
2 changes since Oct 13, 2026 · 5.50% → 5.50% ▼ 0.00 pts · high 5.50% / low 4.50%
Oct 26, 20265.50%▲ from 4.50%
Oct 26, 20264.50%▼ from 5.50%
Oct 13, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
5.50%
36 months
DetailsQualifier: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
5.50%
48 months
DetailsQualifier: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
5.50%
60 months
DetailsLoan Amount: Up to 120% of Retail; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
5.50%
72 months
DetailsLoan Amount: Up to retail value; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - Up to 120% of Retail
-
-
5.50%
60 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - Up to retail value
-
-
5.50%
72 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
5.50%
24 months
DetailsModel Years: 2023 - 2024; Valuation: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
5.50%
36 months
DetailsModel Years: 2023 - 2024; Valuation: Up to retail value
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 5.90% → 5.50% ▼ 0.40 pts · high 5.90% / low 5.50%
Oct 22, 20265.50%▼ from 5.90%
Oct 19, 20265.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
5.50%
48 months
DetailsModel Years: 2023 - 2024; Valuation: NADA trade-in value
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 6.50% → 5.50% ▼ 1.00 pts · high 6.50% / low 5.50%
Oct 22, 20265.50%▼ from 6.50%
Oct 19, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
5.50%
48 months
DetailsModel Years: 2025 - 2026; Loan Basis: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
5.50%
60 months
DetailsModel Years: 2025 - 2026; Loan Basis: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
5.50%
72 months
DetailsModel Years: 2025 - 2026; Loan Basis: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan 2020 - 2022
-
-
5.50%
24 months
DetailsValuation: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2020 - 2022
-
-
5.90%
24 months
DetailsBasis: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2020 - 2022
-
-
5.90%
36 months
DetailsBasis: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
5.90%
36 months
DetailsQualifier: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
5.90%
48 months
DetailsQualifier: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
5.90%
60 months
DetailsQualifier: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Auto Loan
-
-
5.90%
72 months
DetailsLoan Amount: Up to 120% of Retail; Rates as of 03/18/2026
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
New Car Loan - Up to 120% of Retail
-
-
5.90%
72 months
DetailsNew Cars (rates as of 03/18/2026)
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
5.90%
36 months
DetailsModel Years: 2023 - 2024; Valuation: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
5.90%
48 months
DetailsModel Years: 2023 - 2024; Valuation: Up to retail value
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 6.50% → 5.90% ▼ 0.60 pts · high 6.50% / low 5.90%
Oct 22, 20265.90%▼ from 6.50%
Oct 19, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
5.90%
60 months
DetailsModel Years: 2023 - 2024; Valuation: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
5.90%
60 months
DetailsModel Years: 2025 - 2026; Loan Basis: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
5.90%
72 months
DetailsModel Years: 2025 - 2026; Loan Basis: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan 2020 - 2022
-
-
5.90%
24 months
DetailsValuation: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan 2020 - 2022
-
-
5.90%
36 months
DetailsValuation: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 5.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2020 - 2022
-
-
6.50%
24 months
DetailsBasis: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2020 - 2022
-
-
6.50%
36 months
DetailsBasis: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2020 - 2022
-
-
6.50%
48 months
DetailsBasis: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
6.50%
48 months
DetailsQualifier: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
6.50%
60 months
DetailsQualifier: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
6.50%
48 months
DetailsModel Years: 2023 - 2024; Valuation: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
6.50%
60 months
DetailsModel Years: 2023 - 2024; Valuation: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
-
-
6.50%
72 months
DetailsModel Years: 2025 - 2026; Loan Basis: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan 2020 - 2022
-
-
6.50%
24 months
DetailsValuation: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan 2020 - 2022
-
-
6.50%
36 months
DetailsValuation: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan 2020 - 2022
-
-
6.50%
48 months
DetailsValuation: NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2020 - 2022
-
-
6.90%
36 months
DetailsBasis: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2020 - 2022
-
-
6.90%
48 months
DetailsBasis: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
-
-
6.90%
60 months
DetailsQualifier: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Auto Loan
-
-
6.90%
60 months
DetailsModel Years: 2023 - 2024; Valuation: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 6.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2013 - 2019
-
-
6.90%
24 months
DetailsUsed Cars: 2013 - 2019; NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 6.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan 2020 - 2022
-
-
6.90%
36 months
DetailsValuation: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 6.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan 2020 - 2022
-
-
6.90%
48 months
DetailsValuation: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 6.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2020 - 2022
-
-
7.50%
48 months
DetailsBasis: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2013 - 2019
-
-
7.50%
24 months
DetailsUsed Cars: 2013 - 2019; Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 7.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2013 - 2019
-
-
7.50%
36 months
DetailsUsed Cars: 2013 - 2019; NADA trade-in value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 7.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan 2020 - 2022
-
-
7.50%
48 months
DetailsValuation: Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 7.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2013 - 2019
-
-
7.90%
24 months
DetailsUsed Cars: 2013 - 2019; Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 7.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2013 - 2019
-
-
7.90%
36 months
DetailsUsed Cars: 2013 - 2019; Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 7.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Used Car Loan - 2013 - 2019
-
-
8.50%
36 months
DetailsUsed Cars: 2013 - 2019; Up to 120% of Retail
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 8.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Area Educational Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Powersports Loan - New
-
5.50%
36 months
Details20% Down
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - New
-
5.90%
36 months
DetailsUp to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - New
-
5.90%
48 months
Details20% Down
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2025 - 2026
-
5.90%
36 months
DetailsNADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - New
-
6.50%
60 months
Details20% Down
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - New
-
6.50%
48 months
DetailsUp to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2023 - 2024
-
6.50%
24 months
DetailsModel Year: 2023 - 2024; Valuation: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2025 - 2026
-
6.50%
36 months
DetailsUp to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2025 - 2026
-
6.50%
48 months
DetailsNADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - New
-
6.90%
60 months
DetailsUp to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2023 - 2024
-
6.90%
24 months
DetailsModel Year: 2023 - 2024; Valuation: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2023 - 2024
-
6.90%
36 months
DetailsModel Year: 2023 - 2024; Valuation: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2025 - 2026
-
6.90%
48 months
DetailsUp to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2025 - 2026
-
6.90%
60 months
DetailsNADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2020-2022
-
7.50%
24 months
DetailsUsed: 2020 - 2022; Value basis: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2023 - 2024
-
7.50%
36 months
DetailsModel Year: 2023 - 2024; Valuation: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2023 - 2024
-
7.50%
48 months
DetailsModel Year: 2023 - 2024; Valuation: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2025 - 2026
-
7.50%
60 months
DetailsUp to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2020-2022
-
7.90%
24 months
DetailsUsed: 2020 - 2022; Value basis: Up to retail value
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 7.50% → 7.90% ▲ 0.40 pts · high 7.90% / low 7.50%
Oct 22, 20267.90%▲ from 7.50%
Oct 13, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2020-2022
-
7.90%
36 months
DetailsUsed: 2020 - 2022; Value basis: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 7.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2023 - 2024
-
7.90%
48 months
DetailsModel Year: 2023 - 2024; Valuation: Up to retail value
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 7.50% → 7.90% ▲ 0.40 pts · high 7.90% / low 7.50%
Oct 22, 20267.90%▲ from 7.50%
Oct 13, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2023 - 2024
-
7.90%
60 months
DetailsModel Year: 2023 - 2024; Valuation: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 7.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2020-2022
-
8.50%
36 months
DetailsUsed: 2020 - 2022; Value basis: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 8.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2020-2022
-
8.50%
48 months
DetailsUsed: 2020 - 2022; Value basis: NADA Trade-in Value
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 8.90% → 8.50% ▼ 0.40 pts · high 8.90% / low 8.50%
Oct 22, 20268.50%▼ from 8.90%
Oct 13, 20268.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2023 - 2024
-
8.50%
60 months
DetailsModel Year: 2023 - 2024; Valuation: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 22, 2026 · 8.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used 2020-2022
-
8.90%
48 months
DetailsUsed: 2020 - 2022; Value basis: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 8.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used: 2013 - 2019
-
8.90%
24 months
DetailsValuation: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 8.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used: 2013 - 2019
-
9.50%
24 months
DetailsValuation: Up to retail value
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 8.90% → 9.50% ▲ 0.60 pts · high 9.50% / low 8.90%
Oct 22, 20269.50%▲ from 8.90%
Oct 13, 20268.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used: 2013 - 2019
-
9.50%
36 months
DetailsValuation: NADA Trade-in Value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 9.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Powersports Loan - Used: 2013 - 2019
-
9.90%
36 months
DetailsValuation: Up to retail value
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 9.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Area Educational Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
12.00%
Up to 24 months
DetailsAPR 12% APR
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Personal Loan
13.50%
25-36 months
Details13.5% APR
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Financial Health History
Area Educational Credit Union’s Texas Ratio fell from 2.95% in Q3 2023 to 1.62% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$34M
1.62%
5.0
A+
March 31, 2026
$33M
0.44%
5.0
A+
December 31, 2025
$32M
1.04%
5.0
A+
September 30, 2025
$32M
0.93%
5.0
A+
June 30, 2025
$32M
1.03%
5.0
A+
March 31, 2025
$32M
1.72%
5.0
A+
December 31, 2024
$30M
2.24%
5.0
A+
September 30, 2024
$30M
4.07%
5.0
A+
June 30, 2024
$30M
2.82%
5.0
A+
March 31, 2024
$30M
3.08%
5.0
A+
December 31, 2023
$30M
2.64%
5.0
A+
September 30, 2023
$30M
2.95%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Area Educational 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 Area Educational 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 Area Educational Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
274,663
Total Uninsured Shares and Deposits > $250K (F+J)
274,663
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,567,344
Total Interest Expense (Sum of items 6 8)
260,239
IRA KEOGH Accounts
70
Number of Accounts for Regular Shares
2,511
Net Income (unless the amount is already included in Undivided Earnings)
226,443
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,701,469
Total Liabilities
26,877,416
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Area Educational Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Area Educational Credit Union
Frequently Asked Questions About Area Educational Credit Union
What is the lowest auto loan rate at Area Educational Credit Union?
The lowest Area Educational Credit Union auto loan rate is its New Car Loan - 20% Down at 3.50% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Area Educational Credit Union?
The lowest Area Educational Credit Union personal loan rate is its Personal Loan at 12.00% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Area Educational Credit Union operate?
Area Educational 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 Area Educational Credit Union?
Yes, to access services at Area Educational 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, Area Educational 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, Area Educational Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Area Educational Credit Union offer online and mobile banking?
Most modern institutions like Area Educational 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.myaecu.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Area Educational Credit Union rates compare?
Area Educational Credit Union's top rate is its Personal Loan at 12.00% APR, verified by MonitorBankRates on October 29, 2026.
Brian McKay
