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Education First Credit Union Inc Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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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| iEditorial Disclosure
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 10, 2026

Education First Credit Union Inc's top rates as of October 10, 2026 are 4.15% APY on its 60 Month CD, 1.00% APY on savings, 1.75% APY on money market accounts, 0.05% APY on checking, personal loans from 9.99% APR, and credit cards from 12.74% APR, according to rates verified by MonitorBankRates. Other Education First Credit Union Inc CD rates include 60 Month IRA CD at 4.15%, 48 Month CD at 4.00%, and 48 Month IRA CD at 4.00%. MonitorBankRates evaluates the financial stability of Education First Credit Union Inc with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.58%. Rates last updated and verified on 10/10/2026.

Education First Credit Union Inc 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 Education First Credit Union Inc? Share your experience about Education First Credit Union Inc by leaving a review below, or read customer reviews before you decide to use Education First Credit Union Inc.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 93/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
13.58%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Education First Credit Union Inc
Columbus Branch / Corporate HQ
510 E Mound St
Columbus, OH 43215-5539
https://www.educu.org
Member NCUA
Customer Reviews
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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.

Education First Credit Union Inc CD Rates

Product Rate APY Term View More
60 Month Certificate 4.073% 4.15% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60%
3.05%3.88%4.70%Sep 14, 2026: 3.60% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
60 Month IRA Certificate 4.073% 4.15% 60 Month
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60%
3.05%3.88%4.70%Sep 14, 2026: 3.60% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
48 Month Certificate 3.928% 4.00% 48 Month
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
48 Month IRA Certificate 3.928% 4.00% 48 Month
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
36 Month Certificate 3.832% 3.90% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
36 Month IRA Certificate 3.832% 3.90% 36 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
24 Month Certificate 3.784% 3.85% 24 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
24 Month IRA Certificate 3.784% 3.85% 24 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
12 Month Certificate 3.687% 3.75% 12 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
12 Month IRA Certificate 3.687% 3.75% 12 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
6 Month Certificate 3.59% 3.65% 6 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
6 Month IRA Certificate 3.59% 3.65% 6 Month
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc Savings Rates

Product Rate APY View More
Health Savings Account 0.995% 1.00%
Min Balance $25,000
Details Balance: $25,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Health Savings Account 0.747% 0.75%
Min Balance $10,000
Details Balance: $10,000 - $24,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Health Savings Account 0.499% 0.50%
Min Balance $1,000
Details Balance: $1,000 - $9,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Health Savings Account 0.25% 0.25%
Min Balance $0
Details Balance: $0 - $999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Club Savings Account (ABC & Teen) 0.05% 0.05%
Min Balance $1
Details Balance: $1.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Holiday Savings Account 0.05% 0.05%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
IRA Savings 0.05% 0.05%
Min Deposit $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Share Savings 0.05% 0.05%
Min Deposit $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc Money Market Rates

Product Rate APY View More
Money Market 1.736% 1.75%
Min Balance $25,000
Details Balance: $25,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Money Market 1.391% 1.40%
Min Balance $10,000
Details Balance: $10,000.00 - $24,999.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 6 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Money Market 1.193% 1.20%
Min Balance $1,000
Details Balance: $1,000.00 - $9,999.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 6 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc Checking Rates

Product Rate APY View More
Dividend Checking 0.05% 0.05%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.00%
Details Loan to Value: 80% or Less; Rate: As Low As (Prime)
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APROct 10, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 5.24% up to 66 months
Details As low as; Model Year: 2026-2025
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 10, 2026: 5.24% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Auto Loan - - 5.99% up to 66 months
Details As low as; Model Year: 2021-2019
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RV, Watercraft, Travel Trailers & Motorcycles Loan - 5.24% 60 Months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
RV, Watercraft, Travel Trailers & Motorcycles Loan - 5.49% 72 months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
RV, Watercraft, Travel Trailers & Motorcycles Loan - 5.74% 120 months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
RV, Watercraft, Travel Trailers & Motorcycles Loan - 5.99% 180 months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
RV, Watercraft, Travel Trailers & Motorcycles Loan - 6.24% 240 Months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 18, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc Student Loan Rates

Product Rate Points APR Term View More
Continuing Education Loan - - 10.00% 60 months
Details Term: Maximum Term 60 months; Rate: Variable Prime+3%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
9.25%9.88%10.50%Sep 14, 2026: 9.75% APROct 10, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 202610.00%▲ from 9.75%
  • Sep 14, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc Credit Card Rates

Product Rate APR View More
Visa Platinum Card - 12.74%
Details As low as; This APR will vary with the market based on the Prime Rate. Rate is calculated by adding 5.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 12.49% → 12.74% ▲ 0.25 pts · high 12.74% / low 12.49%
11.99%12.62%13.24%Sep 14, 2026: 12.49% APROct 10, 2026: 12.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 202612.74%▲ from 12.49%
  • Sep 14, 202612.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Rewards First Visa Platinum Card - 15.74%
Details As low as; This APR will vary with the market based on the Prime Rate. Rate is calculated by adding 8.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 15.49% → 15.74% ▲ 0.25 pts · high 15.74% / low 15.49%
14.99%15.62%16.24%Sep 14, 2026: 15.49% APROct 10, 2026: 15.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 202615.74%▲ from 15.49%
  • Sep 14, 202615.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Stretch Pay Credit Card - 18.00%
Details $1,000 Limit ($95 Annual Fee)
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 18.00% APR
17.50%18.00%18.50%Oct 10, 2026: 18.00% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc Personal Loan Rates

Product APR Term View More
Debt Consolidation / up to 24 Months Loan 9.99% up to 24 Months
Details $1,000-$2,499; As low as
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 10, 2026: 9.99% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Debt Consolidation / up to 36 Months Loan 9.99% up to 36 Months
Details $2,500 - $4,999; As low as
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 10, 2026: 9.99% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Debt Consolidation / up to 48 Months Loan 9.99% up to 48 Months
Details $5,000-$7,499; As low as
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 10, 2026: 9.99% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Debt Consolidation Loan 9.99% up to 24 Months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 3 times
9.49%9.99%10.49%Sep 18, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Debt Consolidation Loan 9.99% up to 36 Months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 3 times
9.49%9.99%10.49%Sep 18, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Debt Consolidation Loan 9.99% up to 48 Months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 3 times
9.49%9.99%10.49%Sep 18, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Debt Consolidation Loan 9.99% up to 60 Months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 3 times
9.49%9.99%10.49%Sep 18, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Personal / up to 24 months Loan 9.99% up to 24 months
Details $1,000-$2,499; As low as
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Personal / up to 36 months Loan 9.99% up to 36 months
Details $2,500 - $4,999; As low as
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Personal / up to 48 months Loan 9.99% up to 48 months
Details $5,000-$7,499; As low as
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Personal / up to 60 months Loan 9.99% up to 60 months
Details $7,500+; As low as
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Personal Loan 9.99% up to 24 months
Details As low as; Loan Amount: $1,000-$2,499
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 18, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Personal Loan 9.99% up to 36 months
Details As low as; Loan Amount: $2,500 - $4,999
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 18, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Personal Loan 9.99% up to 48 months
Details As low as; Loan Amount: $5,000-$7,499
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 18, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Personal Loan 9.99% up to 60 months
Details As low as; Loan Amount: $7,500+
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 18, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%

Education First Credit Union Inc Other Rates

Product Rate Points APY/APR Term View More
and over / up to 60 Months Loan - - 9.99% up to 60 Months
Details $7,500; As low as
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Credit Builder Loan - - 10.00% Up to 12 Months
Details Maximum $2000; Rate: Variable Prime
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 10, 2026: 10.00% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
Home Improvement Loan - - 10.49% Up to 84 months
Details As low as
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.58%
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

Education First Credit Union Inc’s Texas Ratio rose from 8.05% in Q3 2023 to 13.58% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.6% 2.0★ 9.2% 3.0★ 13.7% 4.0★ 18.3% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 8.05% A Q3 2023 A Q4 2023 A Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 13.58% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$146M13.58%5.0A
March 31, 2026$149M12.80%5.0A
December 31, 2025$147M9.47%5.0A
September 30, 2025$147M10.47%5.0A
June 30, 2025$148M12.71%5.0A
March 31, 2025$149M10.35%5.0A
December 31, 2024$145M11.55%5.0A
September 30, 2024$139M9.13%5.0A
June 30, 2024$140M5.82%5.0A+
March 31, 2024$139M9.10%5.0A
December 31, 2023$137M10.17%5.0A
September 30, 2023$138M8.05%5.0A
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 Education First Credit Union Inc 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 Education First Credit Union Inc 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 Education First Credit Union Inc's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Education First Credit Union Inc
Website https://www.educu.org
Address 510 E Mound St, Columbus, OH 43215-5539
Phone 614-221-9376
Fax 614-212-8127
President David Dobos
CEO Michael Wettrich
Full-Time Employees 32
Part-Time Employees 5
Branch Locations 3
ATM Locations 2
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.58%
Return on Assets (ROA)
0.5956%
Return on Equity (ROE)
5.9560%
Non-Performing Loans Ratio (NPL)
2.13%
Total Assets
145,690,688
Total Amount of Shares and Deposits
125,572,677
Total Shares and Deposits < 1 Year
119,285,861
Total Shares and Deposits 1 3 Years
5,425,322
Total Shares and Deposits > 3 Years
861,494
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,573,637
Total Uninsured Shares and Deposits > $250K (F+J)
6,573,997
Total Insured Shares and Deposits > $250K (item 17 less item K)
118,998,680
Total Interest Expense (Sum of items 6 8)
873,492
Share Certificates
1,155
Number of Accounts for Share Drafts
5,203
IRA KEOGH Accounts
254
Number of Accounts for Regular Shares
14,134
All other shares
995
Non Member Deposits
5
Money Market Shares
994
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)
3,509,353
Total Liabilities
130,149,088
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Education First Credit Union Inc earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Education First Credit Union Inc

How many branches does Education First Credit Union Inc operate?

Education First Credit Union Inc 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 Education First Credit Union Inc?

Yes, to access services at Education First Credit Union Inc, 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, Education First Credit Union Inc 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, Education First Credit Union Inc provides members with tools to manage their accounts and build a solid financial history.

Does Education First Credit Union Inc offer online and mobile banking?

Most modern institutions like Education First Credit Union Inc 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.educu.org.

Current Education First Credit Union Inc Rates

  • 12-Month CD3.75%
  • 24-Month CD3.85%
  • 60-Month CD4.15%
  • Savings1.00%
  • MMA1.75%
Retrieved from our database of financial products. Rates subject to change.

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