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 Education First Credit Union Inc Rates & Review September 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.
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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: September 22, 2026
Education First Credit Union Inc's 36 Month CD rates are at 3.90%, 24 Month CD rates are at 3.85%, 12 Month CD rates are at 3.75%, 48 Month CD rates are at 3.65%, 6 Month CD rates are at 3.65%. Education First Credit Union Inc's savings rates are at 0.05%. Education First Credit Union Inc's money market rates are at 1.20%. 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 12.49%. 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 12.80%. Rates last updated and verified on 09/22/2026. 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 
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
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Education First Credit Union Inc Student Loan Rates
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Financial Health HistoryEducation First Credit Union Inc’s Texas Ratio rose from 8.06% in Q2 2023 to 12.80% in Q1 2026, so its financial health has weakened 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 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
33
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 (94/100)
Texas Ratio
12.80%
Return on Assets (ROA)
0.3693%
Return on Equity (ROE)
3.8625%
Non-Performing Loans Ratio (NPL)
1.97%
Total Assets
149,065,757
Total Amount of Shares and Deposits
129,784,060
Total Shares and Deposits < 1 Year
124,942,206
Total Shares and Deposits 1 3 Years
3,843,863
Total Shares and Deposits > 3 Years
997,991
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,896,218
Total Uninsured Shares and Deposits > $250K (F+J)
6,896,590
Total Insured Shares and Deposits > $250K (item 17 less item K)
122,887,470
Total Interest Expense (Sum of items 6 8)
448,299
Share Certificates
1,219
Number of Accounts for Share Drafts
5,196
IRA KEOGH Accounts
258
Number of Accounts for Regular Shares
14,191
All other shares
989
Non Member Deposits
5
Money Market Shares
987
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)
5,402,585
Total Liabilities
133,833,922
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Education First Credit Union IncHow 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. Current Education First Credit Union Inc Rates
Retrieved from our database of financial products. Rates subject to change.
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