|
iAdvertiser Disclosure
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.
 Education First Credit Union Inc 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 First Credit Union Inc's CD - 60 Month rates are at 4.15%, CD - 48 Month rates are at 4.00%, CD - 36 Month rates are at 3.90%, CD - 24 Month rates are at 3.85%, CD - 12 Month rates are at 3.75%. Education First Credit Union Inc's savings rates are at 1.00%. Education First Credit Union Inc's money market rates are at 1.75%. Education First Credit Union Inc's checking rates are as high as 0.05%. Education First Credit Union Inc's Personal Loan Rates are as low as 9.99%. Education First Credit Union Inc's Credit Card Rates are at 12.74%. Education First Credit Union Inc's CD rates are 35% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Education First Credit Union Inc with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.58%. Rates last updated and verified on 10/30/2026. Education First Credit Union Inc 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 First Credit Union Inc? Share your experience about Education First Credit Union Inc by leaving a review below, or read customer reviews before you decide to use Education First Credit Union Inc. Education First Credit Union Inc
Columbus Branch / Corporate HQ 510 E Mound St
https://www.educu.org Columbus, OH 43215-5539  Customer Reviews
Be the first to review
Write a Review
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 First Credit Union Inc CD Rates
Education First Credit Union Inc Savings Rates
Education First Credit Union Inc Money Market Rates
Education First Credit Union Inc Checking Rates
Education First Credit Union Inc Home Equity & HELOC
Education First Credit Union Inc Auto Loan Rates
Education First Credit Union Inc RV, Boat and Powersport Loan Rates
Education First Credit Union Inc Student Loan Rates
Education First Credit Union Inc Credit Card Rates
Education First Credit Union Inc Personal Loan Rates
Education First Credit Union Inc Other Rates
Financial Health HistoryEducation First Credit Union Inc’s Texas Ratio rose from 8.05% in Q3 2023 to 13.58% in Q2 2026, so its financial health has held steady at a healthy level 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)
Powered by
MonitorBankRates
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 First Credit Union Inc 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 First Credit Union Inc 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 First Credit Union Inc's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Education First Credit Union Inc
Website
https://www.educu.org
Address
510 E Mound St,
Columbus, OH 43215-5539
Phone
614-221-9376
Fax
614-212-8127
President
David Dobos
CEO
Michael Wettrich
Full-Time Employees
32
Part-Time Employees
5
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.58%
Return on Assets (ROA)
0.5956%
Return on Equity (ROE)
5.9560%
Non-Performing Loans Ratio (NPL)
2.13%
Total Assets
145,690,688
Total Amount of Shares and Deposits
125,572,677
Total Shares and Deposits < 1 Year
119,285,861
Total Shares and Deposits 1 3 Years
5,425,322
Total Shares and Deposits > 3 Years
861,494
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,573,637
Total Uninsured Shares and Deposits > $250K (F+J)
6,573,997
Total Insured Shares and Deposits > $250K (item 17 less item K)
118,998,680
Total Interest Expense (Sum of items 6 8)
873,492
Share Certificates
1,155
Number of Accounts for Share Drafts
5,203
IRA KEOGH Accounts
254
Number of Accounts for Regular Shares
14,134
All other shares
995
Non Member Deposits
5
Money Market Shares
994
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)
3,509,353
Total Liabilities
130,149,088
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Education First Credit Union Inc 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.
Add Your Rating and Review for Education First Credit Union Inc
Frequently Asked Questions About Education First Credit Union IncDoes Education First Credit Union Inc offer CDs?Yes. Education First Credit Union Inc current CD rates include its CD - 60 Month at 4.15% APY, its CD - 48 Month at 4.00% APY and its CD - 36 Month at 3.90% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Education First Credit Union Inc NCUA insured?Yes. Education First Credit Union Inc 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 First Credit Union Inc?The highest Education First Credit Union Inc CD rate is its CD - 60 Month at 4.15% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Education First Credit Union Inc offer?Education First Credit Union Inc CD rates are 3.75% APY for a 12 month CD, 3.85% APY for a 2 year CD, 3.90% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.15% 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 First Credit Union Inc for its full lineup. What is the highest savings rate at Education First Credit Union Inc?The highest Education First Credit Union Inc savings rate is its Health Savings Account at 1.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Education First Credit Union Inc?The highest Education First Credit Union Inc money market rate is its Money Market at 1.75% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Education First Credit Union Inc?The highest Education First Credit Union Inc checking rate is its Dividend Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Education First Credit Union Inc?The lowest Education First Credit Union Inc auto loan rate is its Auto Loan - Model Year 2024-2022 at 5.24% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Education First Credit Union Inc?The lowest Education First Credit Union Inc personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Education First Credit Union Inc?The lowest Education First Credit Union Inc credit card APR is its Visa Platinum Card Credit Card at 12.74% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Education First Credit Union Inc operate?Education First Credit Union Inc 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 First Credit Union Inc?Yes, to access services at Education First Credit Union Inc, 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 First Credit Union Inc 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 First Credit Union Inc provides members with tools to manage their accounts and build a solid financial history. Does Education First Credit Union Inc offer online and mobile banking?Most modern institutions like Education First Credit Union Inc 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.educu.org. 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 First Credit Union Inc rates compare?Education First Credit Union Inc's CD rates are 35% higher than the MonitorBankRates national average, and it has an A health rating. Education First Credit Union Inc's top rates are its CD - 60 Month at 4.15% APY, its Health Savings Account at 1.00% APY, its Money Market at 1.75% APY, its Dividend Checking at 0.05% APY, its Debt Consolidation Loan at 9.99% APR and its Visa Platinum Card Credit Card at 12.74% APR, verified by MonitorBankRates on October 30, 2026. Current Education First Credit Union Inc Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
ECU Credit Union
Appalachian Power Employees Federal Credit Union
Union County Employees Federal Credit Union
UP Employees Federal Credit Union
Express Credit Union
Heart Of Louisiana Federal Credit Union
Aeroquip Credit Union
Listerhill Credit Union
Educators Credit Union Waco, TX
First Central Credit Union
Ware County School Employees Federal Credit Union
Union Trades Federal Credit Union
Abbey Credit Union
St Joe Valley Credit Union
AltaOne Federal Credit Union
Hialeah Municipal Employees Federal Credit Union
Snocope Credit Union
Chrome Federal Credit Union
Evansville Federal Credit Union
Harvard Community Credit Union
Alpine Community Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
