What are the current interest rates at Education 1st Credit Union?

Current rates for Education 1st Credit Union include: 12-Month CD: 3.95%, 18-Month CD: 3.95%, 24-Month CD: 3.99%, 60-Month CD: 4.10%, Savings: 0.15%, MMA: 3.85%

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Education 1st Credit Union

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Education 1st Credit Union Rates & Review October 2026

Q: Is a member application needed to join Education 1st Credit Union?

Yes, to access services at Education 1st 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Education 1st 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 9, 2026

Education 1st Credit Union's top rates as of October 9, 2026 are 4.10% APY on its 60 Month CD of Deposit, 0.15% APY on savings, 3.85% APY on money market accounts, 0.25% APY on checking, personal loans from 9.75% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other Education 1st Credit Union CD rates include 24 Month CD of Deposit at 3.99%, 36 Month CD of Deposit at 3.99%, and 48 Month CD of Deposit at 3.99%. MonitorBankRates evaluates the financial stability of Education 1st Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.44%. Rates last updated and verified on 10/09/2026.

Education 1st 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 Education 1st Credit Union? Share your experience about Education 1st Credit Union by leaving a review below, or read customer reviews before you decide to use Education 1st Credit Union.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.44%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Education 1st Credit Union
Main Office

1250 Country Hills Dr
Ogden, UT 84403-2560

https://e1cu.org

Customer Reviews

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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.

Education 1st Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate of Deposit	-	4.10%	60 months
Min Deposit $1,000 Details Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
24 Month Certificate of Deposit	-	3.99%	24 months
Min Deposit $1,000 Details Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
36 Month Certificate of Deposit	-	3.99%	36 months
Min Deposit $1,000 Details Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
48 Month Certificate of Deposit	-	3.99%	48 months
Min Deposit $1,000 Details Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
12 Month Certificate of Deposit	-	3.95%	12 months
Min Deposit $1,000 Details Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
18 Month Certificate of Deposit	-	3.95%	18 months
Min Deposit $1,000 Details Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
6 Month Certificate of Deposit	-	3.95%	6 months
Min Deposit $1,000 Details Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Education 1st Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	-	0.50%
Min Deposit $0 Details Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Ollie's Kids Club Account	-	0.15%
Min Deposit $6 Details Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Share Savings Account	-	0.15%
Min Deposit $6 Details Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Education 1st Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	3.85%
Min Deposit $0 Min Balance $1,000,000 Details Balance: $1,000,000 and above; Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Market Account	-	3.80%
Min Deposit $0 Min Balance $500,000 Details Balance: $500,000 - $999,999; Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Market Account	-	3.75%
Min Deposit $0 Min Balance $250,000 Details Balance: $250,000 - $499,999; Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Market Account	-	2.80%
Min Deposit $0 Min Balance $150,000 Details Balance: $150,000 - $249,000; Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Market Account	-	2.25%
Min Deposit $0 Min Balance $75,000 Details Balance: $75,000 -$149,999; Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Market Account	-	1.80%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 - $74,999; Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Money Market Account	-	1.25%
Min Deposit $0 Min Balance $0 Details Balance: $0.01 - $24,999; Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Education 1st Credit Union Checking Rates

Product	Rate	APY
Super 60 Checking Account	-	0.25%
Min Deposit $0 Details Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Premier Checking Account	-	0.15%
Min Deposit $0 Min Balance $2,500 Details Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Education 1st Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity LOC	-	-	6.75%	180 months
Details Published APR range: Starting at 6.75%. Rate Type: Variable Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Education 1st Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Auto	-	-	3.95%	24 months
Details Published APR range: 3.95% - 15.25%. Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
New or Used Auto	-	-	4.10%	36 months
Details Published APR range: 4.10% - 15.40%. Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.10% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
New or Used Auto	-	-	4.25%	48 months
Details Published APR range: 4.25% - 15.55%. Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
New or Used Auto	-	-	4.30%	60 months
Details Published APR range: 4.30% - 15.70%. Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.30% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
New or Used Auto	-	-	4.60%	72 months
Details Published APR range: 4.60% - 15.90%. Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.60% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
New or Used Auto	-	-	4.80%	84 months
Details Published APR range: 4.80% - 16.00%. Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.80% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Education 1st Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV, Boat, ATV Loan	-	6.30%	60 months
Details Published APR range: Starting at 6.30%. Terms up to 120 months available; Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Motorcycle Loan	-	7.30%	60 months
Details Published APR range: Starting at 7.30%. Terms up to 84 months available; Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Education 1st Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	10.75%
Details Rate Type: Variable; APR range: 10.75% - 16.25.% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Education 1st Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.75%	12 months
Details Published APR range: 9.75% - 16.75%. Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Signature Loan	9.75%	24 months
Details Published APR range: 9.75% - 17.50%. Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Signature Loan	10.50%	36 months
Details Published APR range: 10.50% - 17.99%. Rate Type: Fixed Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Education 1st Credit Union Other Rates

Product	Rate	Points	APY/APR
Auxiliary Share Account	-	-	0.05%
Min Deposit $0 Details Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Individual Retirement Account (IRA)	-	-	0.15%
Min Deposit $0 Details Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Education 1st Credit Union’s Texas Ratio fell from 1.78% in Q3 2023 to 0.44% 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; 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	$62M	0.44%	5.0	A+
March 31, 2026	$62M	2.02%	5.0	A+
December 31, 2025	$74M	6.48%	5.0	A
September 30, 2025	$60M	1.08%	5.0	A+
June 30, 2025	$61M	5.92%	5.0	A+
March 31, 2025	$60M	0.51%	5.0	A+
December 31, 2024	$53M	0.11%	5.0	A+
September 30, 2024	$53M	1.77%	5.0	A+
June 30, 2024	$53M	1.97%	5.0	A+
March 31, 2024	$49M	1.56%	5.0	A+
December 31, 2023	$48M	1.21%	5.0	A+
September 30, 2023	$46M	1.78%	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 Education 1st 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 Education 1st 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 Education 1st Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Education 1st Credit Union

Website https://e1cu.org

Address 1250 Country Hills Dr, Ogden, UT 84403-2560

Phone 801-392-4877

Fax 801-392-4879

President Kristy Ellis

CEO Kent Greenfield

Full-Time Employees 8

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.44%

Return on Assets (ROA)

0.3458%

Return on Equity (ROE)

3.4788%

Non-Performing Loans Ratio (NPL)

0.05%

Total Assets

61,948,958

Total Amount of Shares and Deposits

55,573,468

Total Shares and Deposits < 1 Year

44,754,468

Total Shares and Deposits 1 3 Years

8,388,066

Total Shares and Deposits > 3 Years

2,430,934

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

3,812,451

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

8,941,477

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

46,631,991

Total Interest Expense (Sum of items 6 8)

801,440

Share Certificates

375

Number of Accounts for Share Drafts

1,667

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,549

All other shares

624

Non Member Deposits

Money Market Shares

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)

4,523,000

Total Liabilities

55,791,865

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Education 1st Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Education 1st Credit Union

How many branches does Education 1st Credit Union operate?

Education 1st 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 Education 1st Credit Union?

Yes, to access services at Education 1st 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, Education 1st 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, Education 1st Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Education 1st Credit Union offer online and mobile banking?

Most modern institutions like Education 1st 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://e1cu.org.