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Advertiser Disclosure
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 Education Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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
Education Credit Union's CDs of Deposit - 36 Month rates are at 4.15%, CDs of Deposit - 24 Month rates are at 4.00%, CDs of Deposit - 12 Month rates are at 3.75%, CDs of Deposit - 6 Month rates are at 3.50%, CDs of Deposit - 60 Month rates are at 2.50%. Education Credit Union's savings rates are at 1.00%. Education Credit Union's money market rates are at 2.15%. Education Credit Union's checking rates are as high as 4.25%. Education Credit Union's Personal Loan Rates are as low as 11.50%. Education Credit Union's Credit Card Rates are at 10.99%. Education Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 3.97%. Rates last updated and verified on 10/30/2026. 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. Education Credit Union
Operations Center 6203 Hillside Rd
https://www.educationcu.com Amarillo, TX 79109-7193  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 Credit Union CD Rates
Education Credit Union Savings Rates
Education Credit Union Money Market Rates
Education Credit Union Checking Rates
Education Credit Union Auto Loan Rates
Education Credit Union RV, Boat and Powersport Loan Rates
Education Credit Union Credit Card Rates
Education Credit Union Personal Loan Rates
Education Credit Union Other Rates
Financial Health HistoryEducation Credit Union’s Texas Ratio stayed near 4.16% in Q3 2023 to 3.97% 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; 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Steve West
CEO
Marcus Smith
Full-Time Employees
136
Part-Time Employees
24
Branch Locations
11
ATM Locations
11
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.97%
Return on Assets (ROA)
0.2664%
Return on Equity (ROE)
2.1083%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
469,232,914
Total Amount of Shares and Deposits
404,305,559
Total Shares and Deposits < 1 Year
401,197,095
Total Shares and Deposits 1 3 Years
3,063,531
Total Shares and Deposits > 3 Years
44,933
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
22,371,490
Total Uninsured Shares and Deposits > $250K (F+J)
22,371,490
Total Insured Shares and Deposits > $250K (item 17 less item K)
381,934,069
Total Interest Expense (Sum of items 6 8)
3,710,829
Share Certificates
2,639
Number of Accounts for Share Drafts
28,941
IRA KEOGH Accounts
721
Number of Accounts for Regular Shares
45,106
All other shares
1,220
Non Member Deposits
13
Money Market Shares
592
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)
22,964,846
Total Liabilities
410,642,124
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Education Credit UnionDoes Education Credit Union offer CDs?Yes. Education Credit Union current CD rates include its CDs of Deposit - 36 Month at 4.15% APY, its CDs of Deposit - 24 Month at 4.00% APY and its CDs of Deposit - 12 Month at 3.75% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Education Credit Union NCUA insured?Yes. Education 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 Education Credit Union?The highest Education Credit Union CD rate is its CDs of Deposit - 36 Month at 4.15% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Education Credit Union offer?Education Credit Union CD rates are 3.50% APY for a 6 month CD, 3.75% APY for a 12 month CD, 4.00% APY for a 2 year CD, 4.15% APY for a 3 year CD and 2.50% 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 Education Credit Union for its full lineup. What is the highest savings rate at Education Credit Union?The highest Education Credit Union savings rate is its Education Savings Accounts (ESAs) at 1.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Education Credit Union?The highest Education Credit Union money market rate is its Super Money Market at 2.15% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Education Credit Union?The highest Education Credit Union checking rate is its $mart Checking at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Education Credit Union?The lowest Education Credit Union auto loan rate is its Automobile (Cars, Vans, Pickups) Loans - New/Used 2026 to 2022 Year Old Models at 4.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Education Credit Union?The lowest Education Credit Union personal loan rate is its Extra Credit LOC - Unsecured Loan at 11.50% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Education Credit Union?The lowest Education Credit Union credit card APR is its VISA Platinum Cash Rewards Credit Card at 10.99% APR, verified by MonitorBankRates as of October 30, 2026. 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. 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 Education Credit Union rates compare?Education Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. Education Credit Union's top rates are its CDs of Deposit - 36 Month at 4.15% APY, its Education Savings Accounts (ESAs) at 1.00% APY, its Super Money Market at 2.15% APY, its $mart Checking at 4.25% APY, its Extra Credit LOC - Unsecured Loan at 11.50% APR and its VISA Platinum Cash Rewards Credit Card at 10.99% APR, verified by MonitorBankRates on October 30, 2026. Current Education Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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