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 Educators Credit Union Waco, TX Rates & Review November 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 and Verified: October 30, 2026
Educators Credit Union Waco, TX's 24 Month Regular CD of Deposit (CD) rates are at 2.53%, 36 Month Regular CD of Deposit (CD) rates are at 2.53%, 48 Month Regular CD of Deposit (CD) rates are at 2.53%, 60 Month Regular CD of Deposit (CD) rates are at 2.53%, 12 Month Regular CD of Deposit (CD) rates are at 2.27%. Educators Credit Union Waco, TX's savings rates are at 0.40%. Educators Credit Union Waco, TX's money market rates are at 1.11%. Educators Credit Union Waco, TX's checking rates are as high as 0.10%. Educators Credit Union Waco, TX's Personal Loan Rates are as low as 11.94%. Educators Credit Union Waco, TX's Credit Card Rates are at 9.75%. Educators Credit Union Waco, TX's CD rates are 17% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 0.19%. Rates last updated and verified on 10/30/2026. 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. 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 Waco, TX CD Rates
Educators Credit Union Waco, TX Checking Rates
Educators Credit Union Waco, TX Auto Loan Rates
Educators Credit Union Waco, TX RV, Boat and Powersport Loan Rates
Educators Credit Union Waco, TX Credit Card Rates
Educators Credit Union Waco, TX Personal Loan Rates
Educators Credit Union Waco, TX Other Rates
Financial Health HistoryEducators Credit Union Waco, TX’s Texas Ratio stayed near 0.15% in Q3 2023 to 0.19% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
36
Part-Time Employees
14
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
0.19%
Return on Assets (ROA)
1.1501%
Return on Equity (ROE)
5.6588%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
609,522,501
Total Amount of Shares and Deposits
484,833,391
Total Shares and Deposits < 1 Year
481,976,978
Total Shares and Deposits 1 3 Years
2,418,401
Total Shares and Deposits > 3 Years
438,012
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
38,500,161
Total Uninsured Shares and Deposits > $250K (F+J)
38,500,161
Total Insured Shares and Deposits > $250K (item 17 less item K)
446,333,230
Total Interest Expense (Sum of items 6 8)
3,732,528
Share Certificates
3,255
Number of Accounts for Share Drafts
11,188
IRA KEOGH Accounts
998
Number of Accounts for Regular Shares
35,014
All other shares
1,602
Money Market Shares
887
Net Income (unless the amount is already included in Undivided Earnings)
7,010,293
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)
26,493,583
Total Liabilities
485,638,741
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About Educators Credit Union Waco, TXDoes Educators Credit Union Waco, TX offer CDs?Yes. Educators Credit Union Waco, TX current CD rates include its 24 Month Regular CD of Deposit (CD) at 2.53% APY, its 36 Month Regular CD of Deposit (CD) at 2.53% APY and its 48 Month Regular CD of Deposit (CD) at 2.53% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Educators Credit Union Waco, TX NCUA insured?Yes. Educators Credit Union Waco, TX 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 Waco, TX?The highest Educators Credit Union Waco, TX CD rate is its 24 Month Regular CD of Deposit (CD) at 2.53% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Educators Credit Union Waco, TX offer?Educators Credit Union Waco, TX CD rates are 2.27% APY for a 12 month CD, 2.53% APY for a 2 year CD, 2.53% APY for a 3 year CD, 2.53% APY for a 4 year CD and 2.53% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Educators Credit Union Waco, TX for its full lineup. What is the highest savings rate at Educators Credit Union Waco, TX?The highest Educators Credit Union Waco, TX savings rate is its IRA Savings at 0.40% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Educators Credit Union Waco, TX?The highest Educators Credit Union Waco, TX money market rate is its Money Market Accounts at 1.11% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Educators Credit Union Waco, TX?The highest Educators Credit Union Waco, TX checking rate is its College Choice Checking at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Educators Credit Union Waco, TX?The lowest Educators Credit Union Waco, TX personal loan rate is its Personal Loan - Signature at 11.94% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Educators Credit Union Waco, TX?The lowest Educators Credit Union Waco, TX credit card APR is its Platinum MasterCard Credit Card at 9.75% APR, verified by MonitorBankRates as of October 30, 2026. 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. 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 Waco, TX rates compare?Educators Credit Union Waco, TX's CD rates are 17% lower than the MonitorBankRates national average, and it has an A+ health rating. Educators Credit Union Waco, TX's top rates are its 24 Month Regular CD of Deposit (CD) at 2.53% APY, its IRA Savings at 0.40% APY, its Money Market Accounts at 1.11% APY, its College Choice Checking at 0.10% APY, its Personal Loan - Signature at 11.94% APR and its Platinum MasterCard Credit Card at 9.75% APR, verified by MonitorBankRates on October 30, 2026. Current Educators Credit Union Waco, TX Rates
Retrieved from our database of financial products. Rates subject to change.
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