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Educational Employees Credit Union

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Educational Employees Credit Union Rates & Review November 2026

Q: What are the current interest rates at Educational Employees Credit Union?

Current rates for Educational Employees Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.51%, 24-Month CD: 3.56%, 60-Month CD: 3.71%, Savings: 0.30%

Q: What CD terms does Educational Employees Credit Union offer?

Educational Employees Credit Union CD rates are 4.25% APY for a 12 month CD, 3.66% APY for an 18 month CD, 3.71% APY for a 2 year CD, 3.76% APY for a 3 year CD and 3.71% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Educational Employees Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Educational Employees Credit Union's Share Saver CD - 12-Month Term rates are at 4.25%, 3 Year CDs rates are at 3.76%, 2 Year CDs rates are at 3.71%, 18 Month CDs rates are at 3.66%, 1 Year CDs rates are at 3.56%. Educational Employees Credit Union's savings rates are at 0.30%. Educational Employees Credit Union's checking rates are as high as 0.05%. Educational Employees Credit Union's 10 Year Fixed Rate - Primary Residence rates are at 5.62%, 15 Year Fixed Rate - Primary Residence rates are at 6.00%, 30 Year Fixed Rate Jumbo - Primary Residence rates are at 6.25%, 20 Year Fixed Rate - Primary Residence rates are at 6.12%, 30 Year Fixed Rate - Primary Residence rates are at 6.25%. Educational Employees Credit Union's Personal Loan Rates are as low as 12.00%. Educational Employees Credit Union's Credit Card Rates are at 10.99%. Educational Employees Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Educational Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.58%. Rates last updated and verified on 10/29/2026.

Educational Employees 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 Employees Credit Union? Share your experience about Educational Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Educational Employees Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.58%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Educational Employees Credit Union
Corporate

2222 W Shaw Ave
Fresno, CA 93711-3419

https://www.myeecu.org

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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.

Educational Employees Credit Union CD Rates

Product	Rate	APY	Term
Share Saver Certificate - 12-Month Term	4.17%	4.25%	12 months
Min Balance $400 Details Tier 4; Minimum balance to open & earn APY: $400; Tiered rate term account; maximum principal balance $500; one Share Saver Certificate per account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term	3.93%	4.00%	12 months
Min Balance $300 Details Tier 3; Minimum balance to open & earn APY: $300; Tiered rate term account; maximum principal balance $500; one Share Saver Certificate per account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 Year Share Certificates	3.70%	3.76%	3 Year
Min Balance $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.61% → 3.76% ▲ 0.15 pts · high 3.76% / low 3.61% Oct 9, 20263.76%▲ from 3.61% Sep 18, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term	3.69%	3.75%	12 months
Min Balance $200 Details Tier 2; Minimum balance to open & earn APY: $200; Tiered rate term account; maximum principal balance $500; one Share Saver Certificate per account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
2 Year Share Certificates	3.65%	3.71%	2 Year
Min Balance $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 9, 20263.71%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 Year Share Certificates	3.65%	3.71%	3 Year
Min Balance $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 9, 20263.71%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 5 Year	3.65%	3.71%	5 Year
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51% Oct 9, 20263.71%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
18 Month Share Certificates	3.60%	3.66%	18 Month
Min Balance $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.66% ▲ 0.21 pts · high 3.66% / low 3.45% Oct 9, 20263.66%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
2 Year Share Certificates	3.60%	3.66%	2 Year
Min Balance $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51% Oct 9, 20263.66%▲ from 3.51% Sep 18, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 Year Share Certificates	3.60%	3.66%	3 Year
Min Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51% Oct 9, 20263.66%▲ from 3.51% Sep 18, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 4 Year	3.60%	3.66%	4 Year
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.66% ▲ 0.21 pts · high 3.66% / low 3.45% Oct 9, 20263.66%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
18 Month Share Certificates	3.55%	3.61%	18 Month
Min Balance $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40% Oct 9, 20263.61%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
2 Year Share Certificates	3.55%	3.61%	2 Year
Min Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45% Oct 9, 20263.61%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 Year Share Certificates	3.55%	3.61%	3 Year
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45% Oct 9, 20263.61%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 3 Year	3.55%	3.61%	3 Year
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40% Oct 9, 20263.61%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
1 Year Share Certificates	3.50%	3.56%	1 Year
Min Balance $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.56% ▲ 0.16 pts · high 3.56% / low 3.40% Oct 9, 20263.56%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
18 Month Share Certificates	3.50%	3.56%	18 Month
Min Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35% Oct 9, 20263.56%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
2 Year Share Certificates	3.50%	3.56%	2 Year
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.56% ▲ 0.16 pts · high 3.56% / low 3.40% Oct 9, 20263.56%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 2 Year	3.50%	3.56%	2 Year
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35% Oct 9, 20263.56%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
1 Year Share Certificates	3.45%	3.51%	1 Year
Min Balance $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.51% ▲ 0.16 pts · high 3.51% / low 3.35% Oct 9, 20263.51%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
18 Month Share Certificates	3.45%	3.51%	18 Month
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Oct 9, 20263.51%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 18 Month	3.45%	3.51%	18 Month
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Oct 9, 20263.51%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term	3.45%	3.50%	12 months
Min Balance $50 Details Tier 1; Minimum balance to open & earn APY: $50; Tiered rate term account; maximum principal balance $500; one Share Saver Certificate per account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
1 Year Share Certificates	3.40%	3.45%	1 Year
Min Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Oct 9, 20263.45%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
1 Year Share Certificates	3.35%	3.40%	1 Year
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 9, 20263.40%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 1 Year	3.35%	3.40%	1 Year
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 9, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 Month Share Certificates	3.20%	3.25%	6 Month
Min Balance $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.14% → 3.25% ▲ 0.11 pts · high 3.25% / low 3.14% Oct 9, 20263.25%▲ from 3.14% Sep 18, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 Month Share Certificates	3.15%	3.20%	6 Month
Min Balance $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.20% ▲ 0.11 pts · high 3.20% / low 3.09% Oct 9, 20263.20%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 Month Share Certificates	3.11%	3.15%	6 Month
Min Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.15% ▲ 0.11 pts · high 3.15% / low 3.04% Oct 9, 20263.15%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 Month Share Certificates	3.06%	3.10%	6 Month
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 3.10% ▲ 0.11 pts · high 3.10% / low 2.99% Oct 9, 20263.10%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
91 Day Share Certificates	2.91%	2.95%	91 Day
Min Balance $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.78% → 2.95% ▲ 0.17 pts · high 2.95% / low 2.78% Oct 9, 20262.95%▲ from 2.78% Sep 18, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
91 Day Share Certificates	2.86%	2.90%	91 Day
Min Balance $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.73% → 2.90% ▲ 0.17 pts · high 2.90% / low 2.73% Oct 9, 20262.90%▲ from 2.73% Sep 18, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
91 Day Share Certificates	2.81%	2.85%	91 Day
Min Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.68% → 2.85% ▲ 0.17 pts · high 2.85% / low 2.68% Oct 9, 20262.85%▲ from 2.68% Sep 18, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
91 Day Share Certificates	2.76%	2.80%	91 Day
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.63% → 2.80% ▲ 0.17 pts · high 2.80% / low 2.63% Oct 9, 20262.80%▲ from 2.63% Sep 18, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Savings Rates

Product	Rate	APY
Holiday Wise Club Savings Account	0.30%	0.30%
Min Balance $0 Details Balance: $0.00 - $12,000.00; Maximum account balance is $12,000; $5 fee for each early withdrawal prior to club year-end on October 31; Balance transferred November 1 to savings or checking; Account automatically renews unless canceled or changed; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Summer Planner Savings Account	0.30%	0.30%
Min Balance $0 Details Balance: $0.00 - $12,000.00; Maximum account balance is $12,000. One early withdrawal allowed each account term prior to July 1. Balance transferred July 1 to savings or checking. Account automatically renews unless canceled or changed. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Minor Share Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Savings and Sub-Share Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Minor Share Savings	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Savings and Sub-Share Savings	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Minor Share Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 - $249.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Minor Share Savings	0.10%	0.10%
Min Balance $250 Details Balance: $250.00 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Savings and Sub-Share Savings	0.10%	0.10%
Min Balance $250 Details Balance: $250.00 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Checking Rates

Product	Rate	APY	View More
Checking, Right Start Checking, Golden Owl Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500.00 and over Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Rate - Primary Residence	5.625%	0.000	5.986%	10 years
Details Portfolio; P&I per $100,000: $1,091.47 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 5.48% → 5.99% ▲ 0.51 pts · high 5.99% / low 5.48% Oct 19, 20265.99%▲ from 5.48% Sep 29, 20265.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
15 Year Fixed Rate - Primary Residence	6.00%	0.000	6.259%	15 years
Details Portfolio; P&I per $100,000: $843.86 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 5.75% → 6.26% ▲ 0.51 pts · high 6.26% / low 5.75% Oct 19, 20266.26%▲ from 5.75% Sep 29, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
30 Year Fixed Rate Jumbo - Primary Residence	6.25%	0.000	6.281%	30 years
Details Portfolio; Jumbo; P&I per $100,000: $615.72 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 5.78% → 6.28% ▲ 0.50 pts · high 6.28% / low 5.78% Oct 19, 20266.28%▲ from 5.78% Sep 29, 20265.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
20 Year Fixed Rate - Primary Residence	6.125%	0.000	6.333%	20 years
Details Portfolio; P&I per $100,000: $723.66 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 5.83% → 6.33% ▲ 0.51 pts · high 6.33% / low 5.83% Oct 19, 20266.33%▲ from 5.83% Sep 29, 20265.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
30 Year Fixed Rate - Primary Residence	6.25%	0.000	6.408%	30 years
Details Portfolio; P&I per $100,000: $615.72 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 5.90% → 6.41% ▲ 0.51 pts · high 6.41% / low 5.90% Oct 19, 20266.41%▲ from 5.90% Sep 29, 20265.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
VA 30 Yr Fixed	6.625%	1.000	6.862%	30 years
Details Government; 1.000 points; P&I per $100,000: $640.31 Last Updated 10/29/2026 Rate History 3 changes since Sep 29, 2026 · 7.24% → 6.86% ▼ 0.38 pts · high 7.24% / low 6.86% Oct 26, 20266.86%▼ from 6.99% Oct 19, 20266.99%▼ from 7.23% Oct 9, 20267.23%▼ from 7.24% Sep 29, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
FHA 30 Year Fixed Rate	6.875%	0.000	7.091%	30 years
Details Government; P&I per $100,000: $656.93 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 7.09% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
FHA 30 Year Fixed Rate	6.875%	1.000	7.193%	30 years
Details Government; 1.000 points; P&I per $100,000: $656.93 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
VA 30 Yr Fixed	7.125%	0.000	7.268%	30 years
Details Government; P&I per $100,000: $673.72 Last Updated 10/29/2026 Rate History 3 changes since Sep 29, 2026 · 7.40% → 7.27% ▼ 0.13 pts · high 7.40% / low 7.27% Oct 19, 20267.27%▼ from 7.40% Oct 9, 20267.40%▲ from 7.27% Oct 2, 20267.27%▼ from 7.40% Sep 29, 20267.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
30 Year Fixed Rate - Non-Owner Occupied	7.50%	0.000	7.676%	30 years
Details Portfolio; P&I per $100,000: $699.21 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 7.17% → 7.68% ▲ 0.51 pts · high 7.68% / low 7.17% Oct 19, 20267.68%▲ from 7.17% Sep 29, 20267.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC - 1st Trust Deed	-	-	6.00%
Details Current Variable APR; Lifetime Maximum Variable APR: 11.000%; Maximum Credit Limit: $400,000; Annual Fee:; Draw Period: 10 Years; Fees to Open: $125 - $725; Maximum lifetime variable APR is 5.00% over initial rate; Available on California owner-occupied real property only; EECU membership required Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
HELOC - 2nd Trust Deed	-	-	6.00%
Details Current Variable APR; Lifetime Maximum Variable APR: 11.000%; Maximum Credit Limit: $400,000; Annual Fee:; Draw Period: 10 Years; Fees to Open: $125 - $725; Maximum lifetime variable APR is 5.00% over initial rate; Available on California owner-occupied real property only; EECU membership required Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan: 2023 and Newer Models	-	-	4.99%	36 months
Details As Low As; Includes .50% discount for automatic payment from EECU checking account; Must be titled in California; Maximum loan amount $125,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Auto Loan: 2023 and Newer Models	-	-	4.99%	48 months
Details As Low As; Includes .50% discount for automatic payment from EECU checking account; Must be titled in California; Maximum loan amount $125,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Auto Loan: 2023 and Newer Models	-	-	4.99%	60 months
Details As Low As; Loan minimum $5,000; Includes .50% discount for automatic payment from EECU checking account; Must be titled in California; Maximum loan amount $125,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Auto Loan: 2023 and Newer Models	-	-	4.99%	72 months
Details As Low As; Loan minimum $15,000; Includes .50% discount for automatic payment from EECU checking account; Must be titled in California; Maximum loan amount $125,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student New Auto Loan: 2023 and Newer Models	-	-	4.99%	36 - 72 Months
Details As Low As; GPA 3.50 or higher; Maximum loan amount $20,000; Required automatic payment from EECU checking account; Student must be 18 years of age or older, enrolled in a minimum of six (6) units; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student Used Auto Loan: 2020-2022 Models	-	-	4.99%
Details Model year 2022; As Low As; GPA 3.50 or higher; Maximum loan amount $20,000; Required automatic payment from EECU checking account; Student must be 18 or older, enrolled in minimum six (6) units, grade report/transcript less than six months old Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	4.99%	36 Months
Details As Low As; Rate includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	4.99%	48 Months
Details As Low As; Rate includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	4.99%	60 Months
Details As Low As; Rate includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	4.99%	72 Months
Details As Low As; Rate includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Auto Loan: 2023 and Newer Models	-	-	5.99%	84 months
Details As Low As; Loan minimum $25,000; Includes .50% discount for automatic payment from EECU checking account; Must be titled in California; Maximum loan amount $125,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	5.99%	84 Months
Details As Low As; Rate includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student New Auto Loan: 2023 and Newer Models	-	-	6.49%	36 - 72 Months
Details As Low As; GPA 3.00 or 3.49; Maximum loan amount $20,000; Required automatic payment from EECU checking account; Student must be 18 years of age or older, enrolled in a minimum of six (6) units; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student Used Auto Loan: 2020-2022 Models	-	-	6.49%
Details Model year 2022; As Low As; GPA 3.00 - 3.49; Maximum loan amount $20,000; Required automatic payment from EECU checking account; Student must be 18 or older, enrolled in minimum six (6) units, grade report/transcript less than six months old Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide	-	-	7.24%	36 Months
Details APR As Low As; Maximum loan amount $100,000; Includes .50% discount for automatic payment from EECU checking account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide	-	-	7.74%	48 Months
Details APR As Low As; Maximum loan amount $100,000; Includes .50% discount for automatic payment from EECU checking account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Classic Auto Loan: 2016 or Older Collectible Vehicles	-	-	7.94%	Up to 60 Months
Details As Low As; Maximum loan amount $50,000; Includes .50% discount for automatic payment from EECU checking account; Must be titled in California Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.94% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide	-	-	7.94%	60 Months
Details APR As Low As; Maximum loan amount $100,000; Includes .50% discount for automatic payment from EECU checking account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.94% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide	-	-	7.94%	72 Months
Details APR As Low As; Maximum loan amount $100,000; Includes .50% discount for automatic payment from EECU checking account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.94% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student New Auto Loan: 2023 and Newer Models	-	-	8.99%	36 - 72 Months
Details As Low As; GPA 2.50 or 2.99; Maximum loan amount $20,000; Required automatic payment from EECU checking account; Student must be 18 years of age or older, enrolled in a minimum of six (6) units; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student Used Auto Loan: 2020-2022 Models	-	-	8.99%
Details Model year 2022; As Low As; GPA 2.50 - 2.99; Maximum loan amount $20,000; Required automatic payment from EECU checking account; Student must be 18 or older, enrolled in minimum six (6) units, grade report/transcript less than six months old Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New and Used Off-Road Vehicle Loan	-	-	9.00%	36 Months
Details As Low As; Must be titled in California; Maximum loan amount $20,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New and Used Off-Road Vehicle Loan	-	-	10.00%	48 Months
Details As Low As; Must be titled in California; Maximum loan amount $20,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New and Used Off-Road Vehicle Loan	-	-	11.00%	60 Months
Details As Low As; Must be titled in California; Maximum loan amount $20,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student New Auto Loan: 2023 and Newer Models	-	-	14.99%	36 - 72 Months
Details As Low As; GPA 2.49 or less; Maximum loan amount $20,000; Required automatic payment from EECU checking account; Student must be 18 years of age or older, enrolled in a minimum of six (6) units; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student Used Auto Loan: 2020-2022 Models	-	-	14.99%
Details Model year 2022; As Low As; GPA 2.49 or less; Maximum loan amount $20,000; Required automatic payment from EECU checking account; Student must be 18 or older, enrolled in minimum six (6) units, grade report/transcript less than six months old Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 14.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	6.00%	36 Months
Details As Low As; includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $30,000; Must be titled in California Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Motorcycle Loan	-	6.00%	48 Months
Details As Low As; includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $30,000; Must be titled in California Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Motorcycle Loan	-	6.00%	60 Months
Details As Low As; includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $30,000; Must be titled in California Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Motorcycle Loan	-	6.00%	72 Months
Details As Low As; includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $30,000; Must be titled in California Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	6.50%	36 Months
Details As Low As; Must be titled in California; Maximum loan amount $100,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	6.50%	36 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	6.50%	48 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	6.50%	60 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	6.50%	72 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Motorcycle Loan	-	6.50%	36 Months
Details As Low As; includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $30,000; Must be titled in California Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Motorcycle Loan	-	6.50%	48 Months
Details As Low As; includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $30,000; Must be titled in California Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Motorcycle Loan	-	6.50%	60 Months
Details As Low As; includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $30,000; Must be titled in California Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Motorcycle Loan	-	6.50%	72 Months
Details As Low As; includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $30,000; Must be titled in California Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	7.00%	84 Months
Details As Low As; Must be titled in California; Maximum loan amount $100,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	7.00%	84 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	7.00%	36 Months
Details As Low As; Must be titled in California; Maximum loan amount $100,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.00%	36 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft.; Includes .50% automatic payment discount from EECU checking Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.00%	48 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft.; Includes .50% automatic payment discount from EECU checking Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.00%	60 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft.; Includes .50% automatic payment discount from EECU checking Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.00%	72 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft.; Includes .50% automatic payment discount from EECU checking Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.50%	84 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft.; Includes .50% automatic payment discount from EECU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	8.00%	120 Months
Details As Low As; Must be titled in California; Maximum loan amount $100,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	8.00%	120 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	8.50%	84 Months
Details As Low As; Must be titled in California; Maximum loan amount $100,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	8.50%	120 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft.; Includes .50% automatic payment discount from EECU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	9.00%	144 Months
Details As Low As; Must be titled in California; Maximum loan amount $100,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	9.00%	144 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	9.50%	120 Months
Details As Low As; Must be titled in California; Maximum loan amount $100,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	9.50%	144 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft.; Includes .50% automatic payment discount from EECU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	10.00%	180 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	10.50%	144 Months
Details As Low As; Must be titled in California; Maximum loan amount $100,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	10.50%	180 Months
Details As Low As; Maximum loan amount $250,000; Trailer max. length 48 ft. and/or width 8.5 ft.; Includes .50% automatic payment discount from EECU checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Rewards	-	10.99%
Details As Low As; Credit Limit: Up to $35,000; APR* As Low As includes .50% discount for automatic payment from EECU checking account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Visa Golden Owl	-	12.99%
Details As Low As; Credit Limit: Up to $15,000; APR* As Low As includes .50% discount for automatic payment from EECU checking account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Visa Classic	-	13.99%
Details As Low As; Credit Limit: Up to $15,000; APR* As Low As includes .50% discount for automatic payment from EECU checking account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Visa Starter/Student	-	13.99%
Details As Low As; Credit Limit: Up to $2,500; APR* As Low As includes .50% discount for automatic payment from EECU checking account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Line of Credit Loan	12.00%
Details As Low As; Loan amount: $100 to $30,000; Estimated Monthly Payment: Based on balance; Membership eligibility/approval and $5 savings deposit required to join EECU Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15 Year Fixed Closed End 2nd - 2nd / Vacation	7.25%	0.000	7.35%	15 years
Details Portfolio; Closed End 2nd; P&I per $100,000: $912.86 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 6.85% → 7.35% ▲ 0.50 pts · high 7.35% / low 6.85% Oct 19, 20267.35%▲ from 6.85% Sep 29, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
15 Year Fixed Closed End 2nd - Owner Occupied	6.75%	0.000	6.845%	15 years
Details Portfolio; Closed End 2nd; P&I per $100,000: $884.91 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 6.34% → 6.85% ▲ 0.50 pts · high 6.85% / low 6.34% Oct 19, 20266.85%▲ from 6.34% Sep 29, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
30 Year Fixed Rate - 2nd / Vacation	7.25%	0.000	7.422%	30 years
Details Portfolio; P&I per $100,000: $682.18 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 6.92% → 7.42% ▲ 0.51 pts · high 7.42% / low 6.92% Oct 19, 20267.42%▲ from 6.92% Sep 29, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Budget Balancer Loan	-	-	12.50%
Details As Low As; Loan amount: $100 to $30,000; Estimated monthly payment based on balance; As Low As rate includes .50% discount for automatic payment from EECU checking account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
ECOlogical Loan	-	-	7.50%	84 Months
Details As Low As; Loan amount $100 - $60,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Educator Credential Loan	-	-	7.50%	60 Months
Details As Low As; Loan amount $2,500 - $15,000; .50% discount for automatic payment from EECU checking account included Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
MyCash Technology Loan	-	-	3.00%
Details From $500 To $1,000; APR includes 1.00% discount for required automatic payment; minimum loan amount $500, maximum loan amount $1,000; applies to members ages 18 and older; not available for refinancing existing EECU loans; membership eligibility/approval and $5 savings deposit required to join EECU Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Technology Loan	-	-	7.00%	60 Months
Details As Low As; Loan amount $500 - $7,500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Educational Employees Credit Union’s Texas Ratio stayed near 0.52% in Q3 2023 to 0.58% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.4B	0.58%	5.0	A+
March 31, 2026	$5.4B	0.57%	5.0	A+
December 31, 2025	$5.3B	0.68%	5.0	A+
September 30, 2025	$5.1B	0.67%	5.0	A+
June 30, 2025	$5.0B	0.78%	5.0	A+
March 31, 2025	$4.9B	0.62%	5.0	A+
December 31, 2024	$4.7B	0.75%	5.0	A+
September 30, 2024	$4.7B	0.68%	5.0	A+
June 30, 2024	$4.7B	0.58%	5.0	A+
March 31, 2024	$4.8B	0.58%	5.0	A+
December 31, 2023	$4.6B	0.57%	5.0	A+
September 30, 2023	$4.6B	0.52%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Educational Employees 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 Employees 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 Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Educational Employees Credit Union

Website https://www.myeecu.org

Address 2222 W Shaw Ave, Fresno, CA 93711-3419

Phone 800-538-3328

Fax 559-451-0858

President Lisa Cutts

CEO Elizabeth Dooley

Full-Time Employees 581

Part-Time Employees 25

Branch Locations 22

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.58%

Return on Assets (ROA)

0.9222%

Return on Equity (ROE)

6.3230%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

5,365,284,872

Total Amount of Shares and Deposits

4,589,675,885

Total Shares and Deposits < 1 Year

4,136,674,698

Total Shares and Deposits 1 3 Years

442,544,744

Total Shares and Deposits > 3 Years

10,456,443

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

177,924,523

Total Uninsured Shares and Deposits > $250K (F+J)

177,924,523

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,411,751,362

Total Interest Expense (Sum of items 6 8)

26,782,359

Share Certificates

27,959

Number of Accounts for Share Drafts

318,111

IRA KEOGH Accounts

10,548

Number of Accounts for Regular Shares

440,718

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)

483,850,815

Total Liabilities

4,651,543,721

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Educational Employees Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Educational Employees Credit Union

Does Educational Employees Credit Union offer CDs?

Yes. Educational Employees Credit Union current CD rates include its Share Saver CD - 12-Month Term at 4.25% APY, its 3 Year CDs at 3.76% APY and its 2 Year CDs at 3.71% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Educational Employees Credit Union NCUA insured?

Yes. Educational Employees 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 Educational Employees Credit Union?

The highest Educational Employees Credit Union CD rate is its Share Saver CD - 12-Month Term at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Educational Employees Credit Union offer?

Educational Employees Credit Union CD rates are 4.25% APY for a 12 month CD, 3.66% APY for an 18 month CD, 3.71% APY for a 2 year CD, 3.76% APY for a 3 year CD and 3.71% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Educational Employees Credit Union for its full lineup.

What is the highest savings rate at Educational Employees Credit Union?

The highest Educational Employees Credit Union savings rate is its Holiday Wise Club Savings Account at 0.30% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Educational Employees Credit Union?

The highest Educational Employees Credit Union checking rate is its Checking, Right Start Checking, Golden Owl Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Educational Employees Credit Union?

The lowest Educational Employees Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Rate Jumbo - Primary Residence at 6.25%, verified by MonitorBankRates as of October 29, 2026. Educational Employees Credit Union mortgage rates are 6.25% for a 30 year mortgage, 6.125% for a 20 year mortgage, 6.00% for a 15 year mortgage and 5.625% for a 10 year mortgage.

What is the lowest auto loan rate at Educational Employees Credit Union?

The lowest Educational Employees Credit Union auto loan rate is its New Auto Loan: 2023 and Newer Models at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Educational Employees Credit Union?

The lowest Educational Employees Credit Union personal loan rate is its Signature Line of Credit Loan at 12.00% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Educational Employees Credit Union?

The lowest Educational Employees Credit Union credit card APR is its Visa Platinum Rewards Credit Card at 10.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Educational Employees Credit Union operate?

Educational Employees 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 Employees Credit Union?

Yes, to access services at Educational Employees 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 Employees 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 Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Educational Employees Credit Union offer online and mobile banking?

Most modern institutions like Educational Employees 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.myeecu.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 Educational Employees Credit Union rates compare?

Educational Employees Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. Educational Employees Credit Union's top rates are its Share Saver CD - 12-Month Term at 4.25% APY, its Holiday Wise Club Savings Account at 0.30% APY, its Checking, Right Start Checking, Golden Owl Checking at 0.05% APY, its 10 Year Fixed Rate - Primary Residence at 5.625%, its Signature Line of Credit Loan at 12.00% APR and its Visa Platinum Rewards Credit Card at 10.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Educational Employees Credit Union Rates

12-Month CD3.40%
18-Month CD3.51%
24-Month CD3.56%
60-Month CD3.71%
Savings0.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Educational Employees Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Educational Employees Credit Union Texas Ratio

Educational Employees Credit Union Health Trend

Educational Employees Credit Union CD Rates

Educational Employees Credit Union Savings Rates

Educational Employees Credit Union Checking Rates

Educational Employees Credit Union Mortgage Rates

Educational Employees Credit Union Home Equity & HELOC

Educational Employees Credit Union Auto Loan Rates

Educational Employees Credit Union RV, Boat and Powersport Loan Rates

Educational Employees Credit Union Credit Card Rates

Educational Employees Credit Union Personal Loan Rates

Educational Employees Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Educational Employees Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Educational Employees Credit Union

Does Educational Employees Credit Union offer CDs?

Are CDs from Educational Employees Credit Union NCUA insured?

What is the highest CD rate at Educational Employees Credit Union?

What CD terms does Educational Employees Credit Union offer?

What is the highest savings rate at Educational Employees Credit Union?

What is the highest checking rate at Educational Employees Credit Union?

What is the lowest 30 year fixed mortgage rate at Educational Employees Credit Union?

What is the lowest auto loan rate at Educational Employees Credit Union?

What is the lowest personal loan rate at Educational Employees Credit Union?

What is the lowest credit card APR at Educational Employees Credit Union?

How many branches does Educational Employees Credit Union operate?

Is a member application needed to join Educational Employees Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Educational Employees Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Educational Employees Credit Union rates compare?

Current Educational Employees Credit Union Rates

Compare to Other Credit Unions