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Educators Credit Union

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Educators Credit Union Rates & Review April 2026

Q: How many branches does Educators Credit Union operate?

Educators 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.

Q: Is a member application needed to join Educators Credit Union?

Yes, to access services at Educators 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.

Q: Is there a first-time homebuyer program?

Currently, Educators 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Educators Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 20, 2026

You can compare Educators Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.00%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 0.03%. Savings rates are at 0.05% and money market rates are at 1.51%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates can be compared to Educators Credit Union rates. MonitorBankRates evaluates the financial stability of Educators Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.61%. Rates were last updated on 04/20/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.61%

Excellent Lower than avg

Educators Credit Union
Home Office

321 SE Frontage Road
Mount Pleasant, WI 53177 1917

https://www.ecu.com

Educators Credit Union Mortgage Rates

Product	Rate	Points	APR
2/1 Adjustable Rate Mortgage Loans (ARMs)	-	5.000%	5.05%
Details Up to 30-year amortization. Closing costs = $1,600. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 2/1 ARM means that the first two years have a locked APR set at closing. The rate can then change by 1% after the first two years and every year after. The rate cannot increase more than 8% during the life of the loan. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
5/1* Adjustable Rate Mortgage Loans (ARMs)	5.25%	-	5.30%
Details Up to 30-year amortization. Closing costs = $1,600. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 5/1 ARM means that the first five years have a locked APR set at closing. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Educators Credit Union

Website https://www.ecu.com

Address 321 SE Frontage Road, Mount Pleasant, WI 53177 1917

Phone 262-886-5900

Fax

President Mary Lueneburg

CEO Linda Hoover

Full-Time Employees 476

Part-Time Employees 21

Branch Locations 25

ATM Locations 25

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.61%

Return on Assets (ROA)

1.0989%

Return on Equity (ROE)

7.8332%

Non-Performing Loans Ratio (NPL)

0.96%

Total Assets

3,673,832,342

Total Amount of Shares and Deposits

3,161,638,661

Total Shares and Deposits < 1 Year

3,109,637,438

Total Shares and Deposits 1 3 Years

37,791,675

Total Shares and Deposits > 3 Years

14,209,549

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

37,586,056

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

37,586,056

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

3,124,052,605

Total Interest Expense (Sum of items 6 8)

52,016,680

Share Certificates

16,131

Number of Accounts for Share Drafts

180,601

IRA KEOGH Accounts

6,293

Number of Accounts for Regular Shares

363,225

All other shares

11,547

Money Market Shares

14,293

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

275,209,945

Total Liabilities

3,229,789,825

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Educators Credit Union

Is Educators Credit Union a safe place to deposit money?

Yes, Educators Credit Union is considered a safe financial institution. With a Texas Ratio of 4.606269294861%, 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 Educators Credit Union operate?

Educators 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 Educators Credit Union?

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

Does Educators Credit Union offer online and mobile banking?

Most modern institutions like Educators 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.ecu.com.