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 Educators Credit Union Waco, TX Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 20, 2026
Educators Credit Union Waco, TX's Personal Loan Rates are at 11.69%. MonitorBankRates evaluates the financial stability of Educators Credit Union Waco, TX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.15%. Rates were last updated on 04/20/2026. Educators Credit Union Waco, TX 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 Waco, TX? Share your experience about Educators Credit Union Waco, TX by leaving a review below, or read customer reviews before you decide to use Educators Credit Union Waco, TX. 
Educators Credit Union Waco, TX Auto Loan Rates
Educators Credit Union Waco, TX Credit Card Rates
Educators Credit Union Waco, TX Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Educators Credit Union Waco, TX 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 Waco, TX 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 Waco, TX's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Educators Credit Union Waco, TX
Website
https://edcu.com
Address
501 W STATE Highway 6,
WACO, TX 76710 5589
Phone
254-776-7900
Fax
254-751-5876
President
AL POLLARD
CEO
WILLIAM PALASOTA
Full-Time Employees
39
Part-Time Employees
8
Branch Locations
8
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.15%
Return on Assets (ROA)
1.4643%
Return on Equity (ROE)
7.5163%
Non-Performing Loans Ratio (NPL)
0.12%
Total Assets
582,814,449
Total Amount of Shares and Deposits
468,376,833
Total Shares and Deposits < 1 Year
465,161,809
Total Shares and Deposits 1 3 Years
2,485,003
Total Shares and Deposits > 3 Years
730,021
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
32,704,189
Total Uninsured Shares and Deposits > $250K (F+J)
32,704,189
Total Insured Shares and Deposits > $250K (item 17 less item K)
435,672,644
Total Interest Expense (Sum of items 6 8)
5,509,020
Share Certificates
2,997
Number of Accounts for Share Drafts
12,967
IRA KEOGH Accounts
1,049
Number of Accounts for Regular Shares
35,242
All other shares
25
Money Market Shares
885
Net Income (unless the amount is already included in Undivided Earnings)
8,533,865
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
28,429,878
Total Liabilities
469,276,888
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Educators Credit Union Waco, TXIs Educators Credit Union Waco, TX a safe place to deposit money?Yes, Educators Credit Union Waco, TX is considered a safe financial institution. With a Texas Ratio of 0.1531413908037%, 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 Waco, TX operate?Educators Credit Union Waco, TX 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 Waco, TX?Yes, to access services at Educators Credit Union Waco, TX, 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 Waco, TX 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 Waco, TX provides members with tools to manage their accounts and build a solid financial history. Does Educators Credit Union Waco, TX offer online and mobile banking?Most modern institutions like Educators Credit Union Waco, TX 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://edcu.com. Compare to Other Credit Unions
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