What are the current interest rates at County Educators Federal Credit Union?

Current rates for County Educators Federal Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 2.78%, Savings: 0.20%, MMA: 2.79%

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County Educators Federal Credit Union

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County Educators Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

County Educators Federal Credit Union's top rates as of October 12, 2026 are 4.21% APY on its 6 Month CDs CD, 0.20% APY on savings, 2.79% APY on money market accounts, 0.05% APY on checking, and personal loans from 8.49% APR, according to rates verified by MonitorBankRates. Other County Educators Federal Credit Union CD rates include 6 Month CDs at 4.06%, 1 Year CDs at 3.80%, and 1 Year CDs at 3.55%. MonitorBankRates evaluates the financial stability of County Educators Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.17%. Rates last updated and verified on 10/12/2026.

County Educators Federal 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 County Educators Federal Credit Union? Share your experience about County Educators Federal Credit Union by leaving a review below, or read customer reviews before you decide to use County Educators Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.17%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

County Educators Federal Credit Union
County Excellence FCU Br1

16 E Lincoln Ave
Roselle Park, NJ 07204-1743

https://www.countyedfcu.org

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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.

County Educators Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Share Certificates	4.15%	4.21%	6 Month
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/12/2026 Rate History 1 change since Sep 30, 2026 · 4.06% → 4.21% ▲ 0.15 pts · high 4.21% / low 4.06% Oct 8, 20264.21%▲ from 4.06% Sep 30, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
6 Month Share Certificates	4.00%	4.06%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 4.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
1 Year Share Certificates	3.75%	3.80%	1 Year
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/12/2026 Rate History 1 change since Sep 30, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 8, 20263.80%▲ from 3.55% Sep 30, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
1 Year Share Certificates	3.50%	3.55%	1 Year
Min Deposit $500 Min Balance $500 Details Balance: $500.00-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
1 Year Share Certificates	3.50%	3.50%	1 Year
Min Deposit $500 Min Balance $500 Details Balances $500.00-$49,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 30, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50% Oct 12, 20263.50%▼ from 3.55% Sep 30, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
2 Year Share Certificates	2.75%	2.78%	2 Year
Min Deposit $500 Min Balance $500 Details Balance: $500.00-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
2 Year Share Certificates	2.75%	2.78%	2 Year
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
3 Year Share Certificates	2.50%	2.52%	3 Year
Min Deposit $500 Min Balance $500 Details Balance: $500.00-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.52% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
3 Year Share Certificates	2.50%	2.52%	3 Year
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.52% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

County Educators Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.20%	0.20%
Min Deposit $1 Details Holiday, Winter Relief, Spring Savings, Summer Savers Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
Youth Savings	0.20%	0.20%
Min Deposit $50 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
Regular Savings	0.10%	0.10%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

County Educators Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market - Tiered Rate	2.75%	2.79%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Up Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
Money Market - Tiered Rate	2.50%	2.53%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
Money Market - Tiered Rate	2.25%	2.27%
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

County Educators Federal Credit Union Checking Rates

Product	Rate	APY	View More
Courtesy Checking	0.05%	0.05%
Min Deposit $0 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

County Educators Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HELOC Variable	6.25%	-	6.25%	Up to 15 Years
Details As Low As; Rates Starting @; Maximum Loan Amount: Up to 100% Combined Loan to Value Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

County Educators Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	5.55%	Up to 60 Months
Details As Low As; Rates as low as include all available discounts. Not all applicants qualify. Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 5.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
Used Vehicle Loan	-	-	6.30%	Up to 60 Months
Details As Low As; includes all available discounts. Not all applicants qualify Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 6.30% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
New Vehicle Loan	-	-	6.80%	61-84 Months
Details As Low As; Rates as low as include all available discounts. Not all applicants qualify. Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 6.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
Used Vehicle Loan	-	-	7.55%	61-84 Months
Details As Low As; includes all available discounts. Not all applicants qualify Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 7.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

County Educators Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	8.49%	Up to 24 Months
Details As Low As; Rates Starting @; Financing up to $20,000.00 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
Personal Loans	10.00%	25 to 48 Months
Details As Low As; Rates Starting @; Financing up to $20,000.00 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

County Educators Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
1 Year IRA Certificates - Roth/Coverdell	3.75%	-	3.80%	1 Year
Min Deposit $500 Min Balance $500 Details Balance: $500.00-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
1 Year IRA Certificates - Roth/Coverdell	4.00%	-	4.06%	1 Year
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/12/2026 Rate History 1 change since Sep 30, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80% Oct 12, 20264.06%▲ from 3.80% Sep 30, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
2 Year IRA Certificates - Roth/Coverdell	2.25%	-	2.27%	2 Year
Min Deposit $500 Min Balance $500 Details Balance: $500.00-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
2 Year IRA Certificates - Roth/Coverdell	2.25%	-	2.27%	2 Year
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
3 Year IRA Certificates - Roth/Coverdell	2.10%	-	2.12%	3 Year
Min Deposit $500 Min Balance $500 Details Balance: $500.00-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
3 Year IRA Certificates - Roth/Coverdell	2.10%	-	2.12%	3 Year
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%
Traditional IRA	0.15%	-	0.15%
Min Deposit $0 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.17%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

County Educators Federal Credit Union’s Texas Ratio rose from 3.46% in Q3 2023 to 8.17% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$138M	8.17%	5.0	A
March 31, 2026	$134M	7.43%	5.0	A
December 31, 2025	$129M	8.01%	5.0	A
September 30, 2025	$124M	7.34%	5.0	A
June 30, 2025	$126M	4.87%	5.0	A+
March 31, 2025	$126M	4.53%	5.0	A+
December 31, 2024	$122M	5.17%	5.0	A+
September 30, 2024	$116M	1.53%	5.0	A+
June 30, 2024	$120M	2.80%	5.0	A+
March 31, 2024	$121M	2.26%	5.0	A+
December 31, 2023	$123M	2.15%	5.0	A+
September 30, 2023	$122M	3.46%	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 County Educators Federal 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 County Educators Federal 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 County Educators Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name County Educators Federal Credit Union

Website https://www.countyedfcu.org

Address 16 E Lincoln Ave, Roselle Park, NJ 07204-1743

Phone 908-245-0173

Fax 908-245-5953

President Frank Malta

CEO Judite Pinho

Full-Time Employees 20

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.17%

Return on Assets (ROA)

0.3711%

Return on Equity (ROE)

4.3892%

Non-Performing Loans Ratio (NPL)

1.37%

Total Assets

137,883,162

Total Amount of Shares and Deposits

126,474,348

Total Shares and Deposits < 1 Year

125,967,502

Total Shares and Deposits 1 3 Years

506,846

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,217,338

Total Uninsured Shares and Deposits > $250K (F+J)

5,217,338

Total Insured Shares and Deposits > $250K (item 17 less item K)

121,257,010

Total Interest Expense (Sum of items 6 8)

774,183

Share Certificates

714

Number of Accounts for Share Drafts

3,675

IRA KEOGH Accounts

123

Number of Accounts for Regular Shares

10,059

Money Market Shares

374

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)

28,655,972

Total Liabilities

126,618,556

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

County Educators Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About County Educators Federal Credit Union

How many branches does County Educators Federal Credit Union operate?

County Educators Federal 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 County Educators Federal Credit Union?

Yes, to access services at County Educators Federal 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, County Educators Federal 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, County Educators Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does County Educators Federal Credit Union offer online and mobile banking?

Most modern institutions like County Educators Federal 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.countyedfcu.org.

Current County Educators Federal Credit Union Rates

12-Month CD3.50%
24-Month CD2.78%
Savings0.20%
MMA2.79%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

County Educators Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

County Educators Federal Credit Union Texas Ratio

County Educators Federal Credit Union Health Trend

County Educators Federal Credit Union CD Rates

County Educators Federal Credit Union Savings Rates

County Educators Federal Credit Union Money Market Rates

County Educators Federal Credit Union Checking Rates

County Educators Federal Credit Union Home Equity & HELOC

County Educators Federal Credit Union Auto Loan Rates

County Educators Federal Credit Union Personal Loan Rates

County Educators Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

County Educators Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About County Educators Federal Credit Union

How many branches does County Educators Federal Credit Union operate?

Is a member application needed to join County Educators Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does County Educators Federal Credit Union offer online and mobile banking?

Current County Educators Federal Credit Union Rates

Compare to Other Credit Unions