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Education Credit Union Rates & Review May 2026

Item: Education Credit Union
Rating: 5983
Author: cCzd

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 12, 2026

You can compare Education Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.05%, 6-month share certificate rates at 4.00% and 3-month share certificate rates at 0.30%. Savings rates are at 0.02% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to Education Credit Union rates. MonitorBankRates evaluates the financial stability of Education Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.24%. Rates were last updated on 05/12/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.24%

Excellent Higher than avg

Education Credit Union
Operations Center

6203 Hillside Rd
Amarillo, TX 79109 7193

https://www.educationcu.com

Current Rate Availability

We do not have Education Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Education 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Education Credit Union

Website https://www.educationcu.com

Address 6203 Hillside Rd, Amarillo, TX 79109 7193

Phone 806-358-7777

Fax 806-242-9556

President Linda Purdy

CEO Marcus Smith

Full-Time Employees 148

Part-Time Employees 14

Branch Locations 11

ATM Locations 9

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.24%

Return on Assets (ROA)

0.0459%

Return on Equity (ROE)

0.4050%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

476,316,770

Total Amount of Shares and Deposits

412,048,440

Total Shares and Deposits < 1 Year

406,938,612

Total Shares and Deposits 1 3 Years

5,079,828

Total Shares and Deposits > 3 Years

30,000

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

14,670,349

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

14,670,349

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

397,378,091

Total Interest Expense (Sum of items 6 8)

6,637,207

Share Certificates

2,733

Number of Accounts for Share Drafts

28,601

IRA KEOGH Accounts

757

Number of Accounts for Regular Shares

44,849

All other shares

1,234

Non Member Deposits

Money Market Shares

606

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

29,184,583

Total Liabilities

423,365,527

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Education 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

cCzd

★★★★★

December 17, 2025

gXyD

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Want to discuss Education Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Education Credit Union

Frequently Asked Questions About Education Credit Union

How many branches does Education Credit Union operate?

Education 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 Credit Union?

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

Does Education Credit Union offer online and mobile banking?

Most modern institutions like Education 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.educationcu.com.