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iAdvertiser Disclosure
Advertiser Disclosure
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 Educational and Governmental Federal Credit Union Rates & Review April 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: April 17, 2026
Educational and Governmental Federal Credit Union's savings rates are at 0.20%. Educational and Governmental Federal Credit Union's 15 Year Fixed Rate rates are at 2.62%, 20 Year Fixed Rate rates are at 3.00%, 30 Year Fixed Rate rates are at 3.25%. Educational and Governmental Federal Credit Union's Personal Loan Rates are at 3.74%. MonitorBankRates evaluates the financial stability of Educational and Governmental Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.73%. Rates were last updated on 04/17/2026. Educational and Governmental Federal 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 Educational and Governmental Federal Credit Union? Share your experience about Educational and Governmental Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Educational and Governmental Federal Credit Union. Educational and Governmental Federal Credit Union
Main 333 N Central Ave Fl 2
https://www.egefcu.com Hartsdale, NY 10530 1811 
Educational and Governmental Federal Credit Union Savings Rates
Educational and Governmental Federal Credit Union Mortgage Rates
Educational and Governmental Federal Credit Union Home Equity & HELOC
Educational and Governmental Federal Credit Union Auto Loan Rates
Educational and Governmental Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Educational and Governmental Federal 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 Educational and Governmental Federal 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 Educational and Governmental Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Educational and Governmental Federal Credit Union
Website
https://www.egefcu.com
Address
333 N Central Ave Fl 2,
Hartsdale, NY 10530 1811
Phone
914-946-6200
Fax
914-946-2910
President
Rochelle Retleff
CEO
Garrett Gizowski
Full-Time Employees
10
Part-Time Employees
3
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.73%
Return on Assets (ROA)
0.0902%
Return on Equity (ROE)
0.8362%
Non-Performing Loans Ratio (NPL)
2.89%
Total Assets
55,916,593
Total Amount of Shares and Deposits
49,239,537
Total Shares and Deposits < 1 Year
47,892,417
Total Shares and Deposits 1 3 Years
1,347,120
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
788,156
Total Uninsured Shares and Deposits > $250K (F+J)
788,156
Total Insured Shares and Deposits > $250K (item 17 less item K)
48,451,381
Total Interest Expense (Sum of items 6 8)
99,023
Share Certificates
90
Number of Accounts for Share Drafts
2,886
IRA KEOGH Accounts
50
Number of Accounts for Regular Shares
6,559
Money Market Shares
137
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,513,470
Total Liabilities
49,984,313
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Educational and Governmental Federal Credit UnionIs Educational and Governmental Federal Credit Union a safe place to deposit money?Yes, Educational and Governmental Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.729316730908%, 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 Educational and Governmental Federal Credit Union operate?Educational and Governmental Federal 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 Educational and Governmental Federal Credit Union?Yes, to access services at Educational and Governmental Federal 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, Educational and Governmental Federal 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, Educational and Governmental Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Educational and Governmental Federal Credit Union offer online and mobile banking?Most modern institutions like Educational and Governmental Federal 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.egefcu.com. Current Educational and Governmental Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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