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Educators Credit Union Rates & Review November 2026

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

Current rates for Educators Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.35%, 24-Month CD: 2.60%, 60-Month CD: 3.00%, Savings: 0.76%, MMA: 3.00%

Q: What CD terms does Educators Credit Union offer?

Educators Credit Union CD rates are 2.25% APY for a 12 month CD, 2.35% APY for an 18 month CD, 2.60% APY for a 2 year CD, 2.75% APY for a 3 year CD, 2.85% APY for a 4 year CD and 3.00% 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 Educators Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Educators Credit Union's CD 5 Years rates are at 3.00%, CD 4 Years rates are at 2.85%, CD 3 Years rates are at 2.75%, CD 2 Years rates are at 2.60%, CD 18 month rates are at 2.35%. Educators Credit Union's savings rates are at 0.76%. Educators Credit Union's money market rates are at 3.00%. Educators Credit Union's checking rates are as high as 0.01%. Educators Credit Union's 2/1 ARM rates are at 6.00%, Fixed Rate Mortgage - 10-year Fixed rates are at 6.00%, 5/1 ARM rates are at 6.25%, VA Mortgage Products - 15-year Fixed rates are at 6.25%, Construction Loans - 5/1 Adjustable rates are at 6.25%. Educators Credit Union's Personal Loan Rates are as low as 14.00%. Educators Credit Union's Credit Card Rates are at 10.90%. Educators Credit Union's CD rates are in line with the MonitorBankRates national average, and it has an A+ health rating. 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 4.30%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Educators Credit Union
Home Office

321 SE Frontage Road
Mount Pleasant, WI 53177-1917

https://www.ecu.com

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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.

Educators Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate 15 Month Special	4.14%	4.20%	15 Month
Min Deposit $500 Details Special certificate; rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 7 Month Special	4.14%	4.20%	7 Month
Min Deposit $500 Details Special certificate; rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 5 Years	2.97%	3.00%	5 Years
Min Deposit $500 Details Rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 4 Years	2.82%	2.85%	4 Years
Min Deposit $500 Details Rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 3 Years	2.72%	2.75%	3 Years
Min Deposit $500 Details Rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 30 month (Add-on)	2.62%	2.65%	30 Months
Min Deposit $500 Details Add-on option; add-on deposits minimum $500; rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 2 Years	2.58%	2.60%	2 Years
Min Deposit $500 Details Rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 18 month	2.33%	2.35%	18 Months
Min Deposit $500 Details Rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 1 Year	2.23%	2.25%	1 Year
Min Deposit $500 Details Rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 275 Days (Add-on)	1.94%	1.95%	275 Days
Min Deposit $500 Details Add-on option; add-on deposits minimum $500; rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 182 Days	1.89%	1.90%	182 Days
Min Deposit $500 Details Rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate 91 Days	1.79%	1.80%	91 Days
Min Deposit $500 Details Rates for new share certificates only; penalty will or may be imposed for early withdrawal; fees could reduce earnings; rates effective as of 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Savings Rates

Product	Rate	APY
HSA (Health Savings Account)	0.76%	0.76%
Min Balance $100 Details An HSA has a $25 set-up fee; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.76% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IBEW Savings	0.51%	0.51%
Min Balance $100 Details IBEW members in Wisconsin and Michigan only; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Saver's Sweepstakes	0.20%	0.20%
Min Deposit $0 Min Balance $0 Details Prize-linked savings account; earn one sweepstakes entry per $25 deposit, up to six entries per month; $0.00 minimum balance to earn APY; $0.00 minimum to open; fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Prime Share Savings	0.06%	0.06%
Min Balance $100 Details Balance: minimum $100 to earn dividends; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Special & Club Savings Accounts	0.06%	0.06%
Min Balance $100 Details Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	2.96%	3.00%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.81% → 3.00% ▲ 0.19 pts · high 3.00% / low 2.81% Oct 9, 20263.00%▲ from 2.81% Sep 14, 20262.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Money Market	2.76%	2.80%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 2.80% ▲ 0.17 pts · high 2.80% / low 2.63% Oct 9, 20262.80%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Money Market	2.64%	2.67%
Min Deposit $10,000 Min Balance $75,000 Details Balance: $75,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 2.67% ▲ 0.17 pts · high 2.67% / low 2.50% Oct 9, 20262.67%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Money Market	2.55%	2.58%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.42% → 2.58% ▲ 0.16 pts · high 2.58% / low 2.42% Oct 9, 20262.58%▲ from 2.42% Sep 14, 20262.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Money Market	1.00%	1.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.94% → 1.00% ▲ 0.06 pts · high 1.00% / low 0.94% Oct 9, 20261.00%▲ from 0.94% Sep 14, 20260.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
High Yield Money Market	0.19%	0.19%
Min Balance $50,000 Details Balance: Minimum $50,000; Regular account minimum deposit $1,000; IRA minimum deposit $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.19% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
High Yield Money Market	0.14%	0.14%
Min Balance $25,000 Details Balance: Minimum $25,000; Regular account minimum deposit $1,000; IRA minimum deposit $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.14% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
High Yield Money Market	0.11%	0.11%
Min Balance $10,000 Details Balance: Minimum $10,000; Regular account minimum deposit $1,000; IRA minimum deposit $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
High Yield Money Market	0.08%	0.08%
Min Balance $2,500 Details Balance: Minimum $2,500; Regular account minimum deposit $1,000; IRA minimum deposit $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
High Yield Money Market	0.06%	0.06%
Details Balance: <$2,500; Regular account minimum deposit $1,000; IRA minimum deposit $25; $10 monthly fee on daily balances below $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	0.01%	0.01%
Min Balance $2,500 Details Rates as of 10/01/2026; Minimum amount is minimum account balance to earn interest Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
2/1 ARM	6.00%	-	6.05%
Details Adjustable Rate Mortgage Loans (ARMs); Up to 30-year amortization; Closing costs $1,600; APR calculated on $100,000; first 2 years locked, then rate can change by 1% after year two and every year after; rate cannot increase more than 8% over life of loan Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Fixed Rate Mortgage - 10-year Fixed	6.00%	0.00%	6.119%	10 years
Details Minimum mortgage loan of $30,000; minimum credit score 620; APR calculated on $100,000; rates not guaranteed until formal lock Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.12% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5/1 ARM	6.25%	-	6.301%
Details Adjustable Rate Mortgage Loans (ARMs); Up to 30-year amortization; Closing costs $1,600; APR calculated on $100,000; first 5 years locked, then rate can change by 1% after year five and every year after; rate cannot increase more than 8% over life of loan Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
VA Mortgage Products - 15-year Fixed	6.25%	-	6.335%	15 years
Details No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; Payment per $1,000: $8.58 Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 6.08% → 6.34% ▲ 0.25 pts · high 6.59% / low 6.08% Oct 26, 20266.34%▼ from 6.46% Oct 13, 20266.46%▼ from 6.59% Oct 2, 20266.59%▲ from 6.46% Oct 1, 20266.46%▲ from 6.21% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Construction Loans - 5/1 Adjustable	6.25%	-	6.377%
Details 1-year term with conversion to 5-year ARM after completion. Maximum 90% LTV. $1,600 closing cost + cost of title. APR calculated on loan amount of $100,000. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Fixed Rate Mortgage - 15-year Fixed	6.375%	0.00%	6.46%	15 years
Details Minimum mortgage loan of $30,000; minimum credit score 620; APR calculated on $100,000; rates not guaranteed until formal lock Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.46% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Community Heroes Home - 5/5 ARM	6.50%	0.000	6.50%
Details Adjustable Rate; Rate (0.000 PTS); 99% LTV; PMI required over 80% LTV; 30-year amortization; Minimum credit score 740+; Occupation restrictions apply; No closing costs; Single family owner occupied homes only; No prepayment penalty Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.75% / low 6.25% Oct 19, 20266.50%▼ from 6.63% Oct 13, 20266.63%▼ from 6.75% Oct 2, 20266.75%▲ from 6.63% Oct 1, 20266.63%▲ from 6.38% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
VA Mortgage Products - 30-year Fixed	6.75%	-	6.803%	30 years
Details No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; Payment per $1,000: $6.49 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.43% → 6.80% ▲ 0.38 pts · high 6.93% / low 6.43% Oct 13, 20266.80%▼ from 6.93% Oct 2, 20266.93%▲ from 6.80% Oct 1, 20266.80%▲ from 6.55% Sep 18, 20266.55%▲ from 6.43% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Fixed Rate Mortgage - 20-year Fixed	6.75%	0.00%	6.819%	20 years
Details Minimum mortgage loan of $30,000; minimum credit score 620; APR calculated on $100,000; rates not guaranteed until formal lock Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.82% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Fixed Rate Mortgage - 30-year Buydown	6.75%	1.26%	6.958%	30 years
Details Buydown; minimum mortgage loan of $30,000; minimum credit score 620; APR calculated on $100,000; rates not guaranteed until formal lock Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 6.96% → 6.96% ▼ 0.00 pts · high 6.96% / low 6.96% Oct 26, 20266.96%▼ from 6.96% Oct 19, 20266.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Fixed Rate Mortgage - 30-year Fixed	7.125%	0.00%	7.179%	30 years
Details Minimum mortgage loan of $30,000; minimum credit score 620; APR calculated on $100,000; rates not guaranteed until formal lock Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.18% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Fixed Home Equity Loan	-	-	6.20%
Details As Low As; Loan to Value: 80% or less; Fixed rate; effective 10/01/2026; Normal closing cost approximately $199; Maximum loan 100% of appraisal value, total 1st and 2nd mortgages Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.20% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	6.49%
Details Loan to Value: <80% LTV; Intro Rate: 0% for first 3 months (new HELOC or refinance of existing ECU HELOC with additional $5,000 added to line); variable rate; Max APR 17.9%; rate adjusted quarterly to -0.51% to +1.99% over Prime Rate; maximum loan 100% of appraisal value; effective 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 9, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	7.99%
Details Loan to Value: 81%-90% LTV; Intro Rate: 0% for first 3 months (new HELOC or refinance of existing ECU HELOC with additional $5,000 added to line); variable rate; Max APR 17.9%; rate adjusted quarterly to -0.51% to +1.99% over Prime Rate; maximum loan 100% of appraisal value; effective 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 7.99% ▲ 1.75 pts · high 7.99% / low 6.24% Oct 9, 20267.99%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Fixed Home Equity Loan	-	-	8.15%
Details As Low As; Loan to Value: 81%-90%; Fixed rate; effective 10/01/2026; Normal closing cost approximately $199; Maximum loan 100% of appraisal value, total 1st and 2nd mortgages Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.15% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	8.99%
Details Loan to Value: 91%-100% LTV; Intro Rate: 0% for first 3 months (new HELOC or refinance of existing ECU HELOC with additional $5,000 added to line); variable rate; Max APR 17.9%; rate adjusted quarterly to -0.51% to +1.99% over Prime Rate; maximum loan 100% of appraisal value; effective 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 8.99% ▲ 2.75 pts · high 8.99% / low 6.24% Oct 9, 20268.99%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Fixed Home Equity Loan	-	-	9.65%
Details As Low As; Loan to Value: 91%-100%; Fixed rate; effective 10/01/2026; Normal closing cost approximately $199; Maximum loan 100% of appraisal value, total 1st and 2nd mortgages Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.65% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan - New Vehicle	-	-	4.80%
Details As Low As; Vehicle Year: 2025-2027; Financing up to 105% of approximate retail value; Rates based on credit score >=670 and 36-month term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto Loan - Used Vehicle	-	-	4.85%
Details As Low As; Vehicle Year: 2017-2024; Financing up to 105% of approximate retail value; Rates based on credit score >=670 and 36-month term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto Loan - Older Vehicle	-	-	10.69%
Details As Low As; Vehicle Year: 2011-2016; Financing up to 105% of approximate retail value; Rates based on credit score >=670 and 36-month term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Card	-	10.90%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Visa Signature Card - Cash Back Card	-	14.00%
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Oct 9, 202614.00%▲ from 13.75% Sep 14, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Signature Card - Cash Back Card	14.00%
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Oct 9, 202614.00%▲ from 13.75% Sep 14, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Other Rates

Product	Rate	Points	APY/APR
Construction Loans - Fixed	7.125%	-	7.26%
Details 1-year term with conversion to fixed rate after completion. Maximum 95% LTV. $1,600 closing cost + cost of title. PMI over 80% LTV. APR calculated on loan amount of $100,000. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.26% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
First-Time Homebuyers 5/5 ARM - Maximum second mortgage 5% LTV	6.625%	-	6.625%
Details No closing costs; 90% LTV; 30-year amortization (based on $100K loan amount); Minimum credit score 660; No prepayment penalty; APR calculated on $100,000 loan amount; Applies to up to 2 family/duplex properties Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
First-Time Homebuyers 5/5 ARM - Maximum second mortgage 7% LTV	6.75%	-	6.75%
Details No closing costs; 90% LTV; 30-year amortization (based on $100K loan amount); Minimum credit score 660; No prepayment penalty; APR calculated on $100,000 loan amount; Applies to up to 2 family/duplex properties Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
First-Time Homebuyers 5/5 ARM - Second Mortgage 5% LTV	8.875%	-	8.875%
Details Second Mortgage section; No closing costs; 90% LTV; 15-year fixed equivalent (based off $10K loan amount); Minimum credit score 660; No prepayment penalty; APR calculated on $100,000 loan amount; Applies to up to 2 family/duplex properties Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
First-Time Homebuyers 5/5 ARM - Second Mortgage 7% LTV	9.125%	-	9.125%
Details Second Mortgage section; No closing costs; 90% LTV; 15-year fixed equivalent (based off $10K loan amount); Minimum credit score 660; No prepayment penalty; APR calculated on $100,000 loan amount; Applies to up to 2 family/duplex properties Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Homes for Habitat - Fixed Rate	4.875%	-	4.875%
Details Homes for Habitat; No closing costs; Minimum credit score 580; Habitat for Humanity referral required; 30-year amortization; No down payment required Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Lot Loans - 2/1 Adjustable	6.00%	-	6.084%
Details APR calculated on loan amount of $100,000; 2-year ARM minimum $25K (APR based on $100K); 15-year amortization; $1,600 closing cost; maximum 90% LTV on purchases and 80% on refinance; Payment per $1,000: $8.45 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.08% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
USDA Rural Housing Loan - Fixed	6.875%	-	6.928%
Details Loan to Value: Fixed; No down payment required; $1,600 closing costs; Minimum credit score 620; Property location restrictions apply; Income eligibility requirements apply; APR calculated on loan amount of $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.05% → 6.93% ▼ 0.13 pts · high 7.05% / low 6.93% Oct 19, 20266.93%▼ from 7.05% Oct 13, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

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

Educators Credit Union’s Texas Ratio rose from 3.55% in Q3 2023 to 4.30% 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	$4.0B	4.30%	5.0	A+
March 31, 2026	$3.9B	2.95%	5.0	A+
December 31, 2025	$3.7B	4.20%	5.0	A+
September 30, 2025	$3.7B	4.41%	5.0	A+
June 30, 2025	$3.6B	4.76%	5.0	A+
March 31, 2025	$3.6B	3.45%	5.0	A+
December 31, 2024	$3.4B	4.09%	5.0	A+
September 30, 2024	$3.4B	3.81%	5.0	A+
June 30, 2024	$3.4B	3.40%	5.0	A+
March 31, 2024	$3.3B	2.75%	5.0	A+
December 31, 2023	$3.2B	3.79%	5.0	A+
September 30, 2023	$3.2B	3.55%	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 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 486

Part-Time Employees 31

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

4.30%

Return on Assets (ROA)

0.6972%

Return on Equity (ROE)

5.0102%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

3,985,562,700

Total Amount of Shares and Deposits

3,343,583,898

Total Shares and Deposits < 1 Year

3,277,240,687

Total Shares and Deposits 1 3 Years

51,315,343

Total Shares and Deposits > 3 Years

15,027,868

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

44,045,958

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

44,045,958

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

3,299,537,940

Total Interest Expense (Sum of items 6 8)

32,966,476

Share Certificates

15,381

Number of Accounts for Share Drafts

183,674

IRA KEOGH Accounts

5,973

Number of Accounts for Regular Shares

363,565

All other shares

11,289

Money Market Shares

14,186

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)

242,469,200

Total Liabilities

3,501,663,988

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Educators Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Educators Credit Union

Does Educators Credit Union offer CDs?

Yes. Educators Credit Union current CD rates include its CD 5 Years at 3.00% APY, its CD 4 Years at 2.85% APY and its CD 3 Years at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Educators Credit Union NCUA insured?

Yes. Educators 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 Educators Credit Union?

The highest Educators Credit Union CD rate is its CD 15 Month Special at 4.20% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Educators Credit Union offer?

Educators Credit Union CD rates are 2.25% APY for a 12 month CD, 2.35% APY for an 18 month CD, 2.60% APY for a 2 year CD, 2.75% APY for a 3 year CD, 2.85% APY for a 4 year CD and 3.00% 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 Educators Credit Union for its full lineup.

What is the highest savings rate at Educators Credit Union?

The highest Educators Credit Union savings rate is its HSA (Health Savings Account) at 0.76% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Educators Credit Union?

The highest Educators Credit Union money market rate is its Premium Money Market at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Educators Credit Union?

The highest Educators Credit Union checking rate is its Checking Account at 0.01% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Educators Credit Union 30 year fixed mortgage rate is its VA Mortgage Products - 30-year Fixed at 6.75%, verified by MonitorBankRates as of October 29, 2026. Educators Credit Union mortgage rates are 6.75% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.375% for a 15 year mortgage, 6.00% for a 10 year mortgage, 6.00% for a 2/1 ARM, 6.25% for a 5/1 ARM and 6.50% for a 5/5 ARM.

What is the lowest auto loan rate at Educators Credit Union?

The lowest Educators Credit Union auto loan rate is its Auto Loan - New Vehicle at 4.80% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Educators Credit Union?

The lowest Educators Credit Union personal loan rate is its Visa Signature Card - Cash Back Card at 14.00% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Educators Credit Union?

The lowest Educators Credit Union credit card APR is its Visa Platinum Card Credit Card at 10.90% APR, verified by MonitorBankRates as of October 29, 2026.

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.

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 Educators Credit Union rates compare?

Educators Credit Union's CD rates are in line with the MonitorBankRates national average, and it has an A+ health rating. Educators Credit Union's top rates are its CD 15 Month Special at 4.20% APY, its HSA (Health Savings Account) at 0.76% APY, its Premium Money Market at 3.00% APY, its Checking Account at 0.01% APY, its 2/1 ARM at 6.00%, its Visa Signature Card - Cash Back Card at 14.00% APR and its Visa Platinum Card Credit Card at 10.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Educators Credit Union Rates

12-Month CD2.25%
18-Month CD2.35%
24-Month CD2.60%
60-Month CD3.00%
Savings0.76%
MMA3.00%

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

Compare to Other Credit Unions

Educators Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Educators Credit Union Texas Ratio

Educators Credit Union Health Trend

Educators Credit Union CD Rates

Educators Credit Union Savings Rates

Educators Credit Union Money Market Rates

Educators Credit Union Checking Rates

Educators Credit Union Mortgage Rates

Educators Credit Union Home Equity & HELOC

Educators Credit Union Auto Loan Rates

Educators Credit Union Credit Card Rates

Educators Credit Union Personal Loan Rates

Educators Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Educators Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Educators Credit Union

Does Educators Credit Union offer CDs?

Are CDs from Educators Credit Union NCUA insured?

What is the highest CD rate at Educators Credit Union?

What CD terms does Educators Credit Union offer?

What is the highest savings rate at Educators Credit Union?

What is the highest money market rate at Educators Credit Union?

What is the highest checking rate at Educators Credit Union?

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

What is the lowest auto loan rate at Educators Credit Union?

What is the lowest personal loan rate at Educators Credit Union?

What is the lowest credit card APR at Educators Credit Union?

How many branches does Educators Credit Union operate?

Is a member application needed to join Educators Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Educators 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 Educators Credit Union rates compare?

Current Educators Credit Union Rates

Compare to Other Credit Unions