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%

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Educators Credit Union Rates & Review October 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 and Verified: October 9, 2026

Educators Credit Union's top rates as of October 9, 2026 are 4.20% APY on its CD - 15 Month Special, 0.76% APY on savings, 3.00% APY on money market accounts, 0.01% APY on checking, 6.25% on its 2/1 ARM mortgage, personal loans from 14.00% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Educators Credit Union CD rates include CD - 7 Month Special at 4.20%, 5 Year CD at 3.00%, and CD - 5 Years at 3.00%. Other Educators Credit Union mortgage rates include 10-year Fixed at 6.25%, 5/1 ARM at 6.50%, and 15-year Fixed at 6.50%. 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 10/09/2026.

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 Q2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year Share Certificate	2.97%	3.00%	5 Years
Min Deposit $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 10/01/2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year Share Certificate	2.82%	2.85%	4 Years
Min Deposit $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 10/01/2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year Share Certificate	2.72%	2.75%	3 Years
Min Deposit $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 10/01/2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
30 Month Share Certificate	2.62%	2.65%	30 Months (Add-on)
Min Deposit $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 10/01/2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.65% APY · checked 2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
2 Year Share Certificate	2.58%	2.60%	2 Years
Min Deposit $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 10/01/2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
18 Month Share Certificate	2.33%	2.35%	18 Months
Min Deposit $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 10/01/2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.35% APY · checked 2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
275 Day Share Certificate	1.94%	1.95%	275 Days (Add-on)
Min Deposit $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 10/01/2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
182 Day Share Certificate	1.89%	1.90%	182 Days
Min Deposit $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 10/01/2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
91 Day Share Certificate	1.79%	1.80%	91 Days
Min Deposit $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 10/01/2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 2 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 Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 2 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. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.76% APY · checked 5 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. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.51% APY · checked 5 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 Fees may reduce earnings. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Prime Share Savings	0.06%	0.06%
Min Balance $100 Last Updated 10/09/2026 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%
Special & Club Savings Accounts	0.06%	0.06%
Min Balance $100 Details Only open to Wisconsin, Illinois and Minnesota residents. Fiduciary and business accounts are not eligible. For all the account disclosures, please go to www.ecu.com/sweepstakes. Last Updated 10/09/2026 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 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 and over Last Updated 10/09/2026 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 - $249,999.99 Last Updated 10/09/2026 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 - $99,999.99 Last Updated 10/09/2026 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 - $74,999.99 Last Updated 10/09/2026 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 - $49,999.99 Last Updated 10/09/2026 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 Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and over; IRA minimum deposit: $25; $10 fee per month for daily balances below $1,000. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.19% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
High Yield Money Market	0.14%	0.14%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999; IRA minimum deposit: $25; $10 fee per month for daily balances below $1,000. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
High Yield Money Market	0.11%	0.11%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; IRA minimum deposit: $25; $10 fee per month for daily balances below $1,000. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
High Yield Money Market	0.08%	0.08%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500 - $9,999; IRA minimum deposit: $25; $10 fee per month for daily balances below $1,000. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
High Yield Money Market	0.06%	0.06%
Min Deposit $1,000 Min Balance $0 Details Balance: <$2,500; IRA minimum deposit: $25; $10 fee per month for daily balances below $1,000. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.06% APY · checked 4 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	0.01%	0.01%
Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 4 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	6.25%	-	6.301%	up to 30 months
Details Term: Up to 30-year amortization; 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. Investments 1% higher on the current ARM rate. $1,900 closing cost. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
10-year Fixed	6.25%	0.00%	6.37%	10 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.37% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5/1 ARM	6.50%	-	6.552%	up to 30 months
Details Term: Up to 30-year amortization; 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. Investments 1% higher on the current ARM rate. $1,900 closing cost. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
15-year Fixed	6.50%	-	6.585%	15-year
Details VA Mortgage Products. No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
15-year Fixed	6.625%	0.00%	6.711%	15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.71% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5/5 ARM	6.75%	0.000	6.75%
Details Adjustable Rate; PMI required over 80% LTV. 99% LTV. 30-year amortization. Minimum credit score 740+. Occupation restrictions apply. No closing costs. APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty. Single family owner occupied homes only. Contact us for more information about investment properties or non-owner occupied homes. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
30-year Fixed	6.875%	-	6.928%	30-year
Details VA Mortgage Products. No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.93% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
20-year Fixed	7.00%	0.00%	7.07%	20 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.07% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
30-year Fixed	7.375%	0.00%	7.43%	30 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.43% APR 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 Loan to Value: 80% or less; This is a fixed rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.20% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	6.49%
Details Intro rate expires: 3 months; Regular APR: 6.49% - 17.9%; Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Member must open a new home equity line of credit OR refinance an existing Educators Credit Union HELOC with an additional $5,000 added to the line of credit. After the 3-month introductory period, the rate will revert to the current rate. Last Updated 10/09/2026 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%
HELOC USDA Rural Housing Fixed	7.125%	-	7.179%
Details 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. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.80% → 7.18% ▲ 0.38 pts · high 7.18% / low 6.80% Oct 9, 20267.18%▲ from 6.80% Sep 18, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	7.99%
Details Intro rate expires: 3 months; Regular APR: 7.99% - 17.9%; Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Member must open a new home equity line of credit OR refinance an existing Educators Credit Union HELOC with an additional $5,000 added to the line of credit. After the 3-month introductory period, the rate will revert to the current rate. Last Updated 10/09/2026 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 Loan to Value: 81%-90%; This is a fixed rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	8.99%
Details Intro rate expires: 3 months; Regular APR: 8.99% - 17.9%; Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Member must open a new home equity line of credit OR refinance an existing Educators Credit Union HELOC with an additional $5,000 added to the line of credit. After the 3-month introductory period, the rate will revert to the current rate. Last Updated 10/09/2026 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 Loan to Value: 91%-100%; This is a fixed rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.65% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Educators Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.80%	36 months
Details Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply. APR = Annual Percentage Rate. Payment per $1,000 borrowed based on 36-month term and stated rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Used Auto	-	-	4.85%	36 months
Details Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply. APR = Annual Percentage Rate. Payment per $1,000 borrowed based on 36-month term and stated rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Older Auto	-	-	10.69%	36 months
Details Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply. APR = Annual Percentage Rate. Payment per $1,000 borrowed based on 36-month term and stated rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.69% APR · checked 4 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%
Details Visa Platinum rates start at 10.90%. Subject to credit approval. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Visa Signature Card - Cash Back Card	-	14.00%
Details Visa Signature variable rates start at 7% over Prime Rate and are adjusted quarterly. Subject to credit approval. Last Updated 10/09/2026 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 Visa Signature variable rates start at 7% over Prime Rate and are adjusted quarterly. Subject to credit approval. Last Updated 10/09/2026 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	Term
30-year Buydown Loan	7.00%	1.69%	7.221%	30 years
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.22% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5/5 ARM - Maximum second mortgage 5% LTV	6.875%	-	6.875%
Details 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5/5 ARM - Maximum second mortgage 5% LTV	8.875%	-	8.875%
Details 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5/5 ARM - Maximum second mortgage 7% LTV	7.00%	-	7.00%
Details 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5/5 ARM - Maximum second mortgage 7% LTV	9.125%	-	9.125%
Details 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.13% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Construction Loan	6.50%	-	6.629%
Details 1-year term with conversion to 5-year ARM after completion. Maximum 90% LTV. $1,600 closing cost + cost of title. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Homes for Habitat Fixed Rate	4.875%	-	4.875%	30 years
Details No closing costs. Minimum credit score 580. Habitat for Humanity referral required. 30-year amortization. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required. No closing costs. Minimum credit score 580. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.25% → 4.88% ▲ 0.63 pts · high 4.88% / low 4.25% Oct 1, 20264.88%▲ from 4.50% Sep 18, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Lot Loans	6.25%	-	6.335%
Details Maximum 90% LTV on purchases and maximum 80% on refinance. 2-year ARM minimum $25K (APR based on $100K). 15-year amortization. $1,600 closing cost. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.96% → 6.34% ▲ 0.38 pts · high 6.34% / low 5.96% Oct 2, 20266.34%▲ from 5.96% Sep 18, 20265.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Share Certificate - 18 Months	2.33%	-	2.35%	18 Months
Min Deposit $500 Details Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.35% APY · checked 2 times 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

Q2 2026 MBR Health & Safety Badge

Educators Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Educators Credit Union

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.

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 October 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

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?

Current Educators Credit Union Rates

Compare to Other Credit Unions