New ReportFall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%.Read the report
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.
ECU 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 30, 2026
ECU Credit Union's 1 Year CD of Deposit rates are at 3.25%, 6 Month CD of Deposit rates are at 3.15%, 4 Year CD of Deposit rates are at 2.90%, 2 Year CD of Deposit rates are at 2.85%, 3 Year CD of Deposit rates are at 2.85%. ECU Credit Union's savings rates are at 0.25%. ECU Credit Union's checking rates are as high as 0.50%. ECU Credit Union's Personal Loan Rates are as low as 10.65%. ECU Credit Union's Credit Card Rates are at 12.92%. ECU Credit Union's CD rates are 2% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of ECU Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.34%. Rates last updated and verified on 10/30/2026.
ECU 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 ECU Credit Union? Share your experience about ECU Credit Union by leaving a review below, or read customer reviews before you decide to use ECU Credit Union.
ECU 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
ECU 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
?
1.34%
ExcellentLower than avg
ECU Credit Union Texas Ratio
ECU Credit Union's Texas Ratio is 1.34%, which is considered excellent and is lower than the national average of 6.13%.
ECU 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.
0.42% to 1.34% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed 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.
ECU Credit Union CD Rates
Product
Rate
APY
Term
View More
1 Year Certificate of Deposit
-
3.25%
1-Year
Min Balance$5,000
DetailsRates valid 10/27/26 through 11/02/26; CD minimum balance $5,000; dividends compounded quarterly
Last Updated10/30/2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.34%
6 Month Certificate of Deposit
-
3.15%
6-Months
Min Balance$5,000
DetailsRates valid 10/27/26 through 11/02/26; CD minimum balance $5,000; dividends compounded quarterly
Last Updated10/30/2026
Rate History
1 change since Oct 22, 2026 · 3.10% → 3.15% ▲ 0.05 pts · high 3.15% / low 3.10%
Oct 30, 20263.15%▲ from 3.10%
Oct 22, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.34%
4 Year Certificate of Deposit
-
2.90%
4-Year
Min Balance$5,000
DetailsRates valid 10/27/26 through 11/02/26; CD minimum balance $5,000; dividends compounded quarterly
Last Updated10/30/2026
Rate History
1 change since Oct 22, 2026 · 3.15% → 2.90% ▼ 0.25 pts · high 3.15% / low 2.90%
Oct 30, 20262.90%▼ from 3.15%
Oct 22, 20263.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.34%
2 Year Certificate of Deposit
-
2.85%
2-Year
Min Balance$5,000
DetailsRates valid 10/27/26 through 11/02/26; CD minimum balance $5,000; dividends compounded quarterly
Last Updated10/30/2026
Rate History
1 change since Oct 22, 2026 · 3.00% → 2.85% ▼ 0.15 pts · high 3.00% / low 2.85%
Oct 30, 20262.85%▼ from 3.00%
Oct 22, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.34%
3 Year Certificate of Deposit
-
2.85%
3-Year
Min Balance$5,000
DetailsRates valid 10/27/26 through 11/02/26; CD minimum balance $5,000; dividends compounded quarterly
Last Updated10/30/2026
Rate History
1 change since Oct 22, 2026 · 3.10% → 2.85% ▼ 0.25 pts · high 3.10% / low 2.85%
Oct 30, 20262.85%▼ from 3.10%
Oct 22, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.34%
5 Year Certificate of Deposit
-
2.52%
5-Year
Min Balance$5,000
DetailsRates valid 10/27/26 through 11/02/26; CD minimum balance $5,000; dividends compounded quarterly
Last Updated10/30/2026
Rate History
1 change since Oct 22, 2026 · 3.20% → 2.52% ▼ 0.68 pts · high 3.20% / low 2.52%
No change since Oct 22, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.34%
Financial Health History
ECU Credit Union’s Texas Ratio rose from 0.42% in Q3 2023 to 1.34% in Q2 2026, so its financial health has stayed 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
1.34%
5.0
A+
March 31, 2026
$36M
2.01%
5.0
A+
December 31, 2025
$35M
1.50%
5.0
A+
September 30, 2025
$36M
1.58%
5.0
A+
June 30, 2025
$36M
1.63%
5.0
A+
March 31, 2025
$36M
2.31%
5.0
A+
December 31, 2024
$36M
6.07%
5.0
A
September 30, 2024
$37M
1.49%
5.0
A+
June 30, 2024
$37M
2.40%
5.0
A+
March 31, 2024
$37M
4.11%
5.0
A+
December 31, 2023
$37M
1.46%
5.0
A+
September 30, 2023
$37M
0.42%
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 ECU 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 ECU 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 ECU 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)
1,108,637
Total Uninsured Shares and Deposits > $250K (F+J)
1,108,637
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,644,978
Total Interest Expense (Sum of items 6 8)
147,061
Share Certificates
22
Number of Accounts for Share Drafts
936
IRA KEOGH Accounts
88
Number of Accounts for Regular Shares
2,460
Money Market Shares
224
Net Income (unless the amount is already included in Undivided Earnings)
-5,051
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)
2,171,471
Total Liabilities
28,177,521
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
ECU 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
There are no reviews for ECU Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
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 ECU Credit Union
Frequently Asked Questions About ECU Credit Union
Does ECU Credit Union offer CDs?
Yes. ECU Credit Union current CD rates include its 1 Year CD of Deposit at 3.25% APY, its 6 Month CD of Deposit at 3.15% APY and its 4 Year CD of Deposit at 2.90% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from ECU Credit Union NCUA insured?
Yes. ECU Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at ECU Credit Union?
The highest ECU Credit Union CD rate is its 1 Year CD of Deposit at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does ECU Credit Union offer?
ECU Credit Union CD rates are 3.15% APY for a 6 month CD, 3.25% APY for a 12 month CD, 2.85% APY for a 2 year CD, 2.85% APY for a 3 year CD, 2.90% APY for a 4 year CD and 2.52% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with ECU Credit Union for its full lineup.
What is the highest savings rate at ECU Credit Union?
The highest ECU Credit Union savings rate is its Regular Savings at 0.25% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at ECU Credit Union?
The highest ECU Credit Union checking rate is its Elite Checking at 0.501% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest auto loan rate at ECU Credit Union?
The lowest ECU Credit Union auto loan rate is its Auto Loan - New Vehicles at 4.00% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at ECU Credit Union?
The lowest ECU Credit Union personal loan rate is its Personal Loan at 10.65% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest credit card APR at ECU Credit Union?
The lowest ECU Credit Union credit card APR is its VISA Platinum Rewards Credit Card at 12.92% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does ECU Credit Union operate?
ECU 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 ECU Credit Union?
Yes, to access services at ECU 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, ECU 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, ECU Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does ECU Credit Union offer online and mobile banking?
Most modern institutions like ECU 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.ecucreditunion.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 ECU Credit Union rates compare?
ECU Credit Union's CD rates are 2% higher than the MonitorBankRates national average, and it has an A+ health rating. ECU Credit Union's top rates are its 1 Year CD of Deposit at 3.25% APY, its Regular Savings at 0.25% APY, its Elite Checking at 0.501% APY, its Personal Loan at 10.65% APR and its VISA Platinum Rewards Credit Card at 12.92% APR, verified by MonitorBankRates on October 30, 2026.
Current ECU Credit Union Rates
12-Month CD3.25%
24-Month CD2.85%
60-Month CD2.52%
Savings0.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
