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 Education Credit Union Rates & Review March 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: March 25, 2026
Education Credit Union's 6 Month CD rates are at 3.50%, 12 Month CD rates are at 3.40%, 24 Month CD rates are at 3.10%, 36 Month CD rates are at 2.50%, 60 Month CD rates are at 2.50%. Education Credit Union's savings rates are at 0.05%. Education Credit Union's money market rates are at 0.00%. Education Credit Union's Personal Loan Rates are at 10.75%. 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 03/25/2026. 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 
Education Credit Union CD Rates
Education Credit Union Savings Rates
Education Credit Union Money Market Rates
Education Credit Union Checking Rates
Education Credit Union Credit Card Rates
Education Credit Union Personal Loan Rates
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
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
FinancialsMonitorBankRates 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
22
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
Frequently Asked Questions About Education Credit UnionIs Education Credit Union a safe place to deposit money?Yes, Education Credit Union is considered a safe financial institution. With a Texas Ratio of 6.2447803783026%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Education Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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