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iAdvertiser Disclosure
Advertiser Disclosure
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 ECU Credit Union 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.
Read Full Bio →
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 8, 2026
ECU Credit Union's 1-Year CD of Deposit (CD) rates are at 2.40%, 6-month CD of Deposit (CD) rates are at 2.30%, 4-Year CD of Deposit (CD) rates are at 2.05%, 5-Year CD of Deposit (CD) rates are at 2.05%, 3-Year CD of Deposit (CD) rates are at 2.00%. ECU Credit Union's savings rates are at 0.25%. ECU Credit Union's Personal Loan Rates are at 10.65%. MonitorBankRates evaluates the financial stability of ECU Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.62%. Rates were last updated on 04/08/2026. ECU 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 ECU Credit Union? Share your experience about ECU Credit Union by leaving a review below, or read customer reviews before you decide to use ECU Credit Union. 
ECU Credit Union CD Rates
ECU Credit Union Savings Rates
ECU Credit Union Checking Rates
ECU Credit Union Mortgage Rates
ECU Credit Union Home Equity & HELOC
ECU Credit Union Auto Loan Rates
ECU Credit Union Credit Card Rates
ECU Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for ECU 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 ECU 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 ECU Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
ECU Credit Union
Website
https://www.ecucreditunion.com
Address
8250 Bryan Dairy Rd Ste 150,
Largo, FL 33777
Phone
800-382-2400
Fax
727-393-0127
President
Steven Harris
CEO
Susan Langley
Full-Time Employees
10
Part-Time Employees
2
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.62%
Return on Assets (ROA)
0.4390%
Return on Equity (ROE)
2.6377%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
35,676,701
Total Amount of Shares and Deposits
29,342,705
Total Shares and Deposits < 1 Year
29,311,921
Total Shares and Deposits 1 3 Years
30,784
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,149,784
Total Uninsured Shares and Deposits > $250K (F+J)
1,149,784
Total Insured Shares and Deposits > $250K (item 17 less item K)
28,192,921
Total Interest Expense (Sum of items 6 8)
240,929
Share Certificates
27
Number of Accounts for Share Drafts
977
IRA KEOGH Accounts
95
Number of Accounts for Regular Shares
2,495
Money Market Shares
214
Net Income (unless the amount is already included in Undivided Earnings)
156,637
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,963,252
Total Liabilities
29,738,368
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ECU Credit UnionIs ECU Credit Union a safe place to deposit money?Yes, ECU Credit Union is considered a safe financial institution. With a Texas Ratio of 1.6218187831501%, 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 ECU Credit Union operate?ECU 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 ECU Credit Union?Yes, to access services at ECU 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, ECU 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, ECU Credit Union provides members with tools to manage their accounts and build a solid financial history. Does ECU Credit Union offer online and mobile banking?Most modern institutions like ECU 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.ecucreditunion.com. Current ECU Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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