Area Educational Credit Union Rates and Review January 2026
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Brian McKay
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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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Compare Area Educational Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Area Educational Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityArea Educational Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Area Educational Credit Union? Share your experience about Area Educational Credit Union by leaving a review below, or read customer reviews before you decide to use Area Educational Credit Union. Overall, Area Educational Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Area Educational Credit Union AREA EDUCATIONAL CREDIT UNION 812 CHARLESTON AVE MATTOON, IL 61938  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Low Rate
14.000%
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Member First VISA
15.040%
No balance transfer fees or annual fees.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loan
12.000% - 12.090%
$1,500 - $15,000
60 - 60
Loan Specials
8.500%
$0 - $6,000
42
Signature Loan
10.000%
$0
12 - 12
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Area Educational Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Area Educational Credit Union
Website: https://www.myaecu.com
Full Time Employees: 4Part Time Employees: 2 President: JAMES COFFMAN CEO: KERRY FEARN Branch Locations: 1 ATM Locations: 0 Corporate Office Address:
812 CHARLESTON AVE
MATTOON, IL 61938 Phone Number: 217-234-7817 Fax Number: 217-235-2780 FinancialsTotal Assets:
31,555,020
Total Amount of Shares and Deposits:
24,757,125
Total Shares and Deposits < 1 Year:
24,757,125
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
179,825
Total Uninsured Shares and Deposits > $250K (F+J):
179,825
Total Insured Shares and Deposits > $250K (item 17 less item K):
24,577,300
Total Interest Expense (Sum of items 6 8):
373,965
IRA KEOGH Accounts:
68
Number of Accounts for Regular Shares:
2,546
Net Income (unless the amount is already included in Undivided Earnings):
337,989
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
4,671,240
Total Liabilities:
24,795,875
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Area Educational Credit UnionIs a member application needed to join Area Educational Credit Union?Yes, to access services at Area Educational Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Area Educational Credit Union provides a range of mortgage and home equity products. Is Area Educational Credit Union a safe place to deposit money?Yes, Area Educational Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Area Educational Credit Union offer online and mobile banking?Most modern institutions like Area Educational Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.76%, 6-month CD rates at 0.20% and 3-month CD rates at 0.85%. Savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.95%. Credit Card rates are at 11.90%. Personal Loan rates are at 15.00%. All these rates, and more, can be found in our database of rates which you can compare to 
