What are the current interest rates at Educational Employees Credit Union?

Current rates for Educational Employees Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.51%, 24-Month CD: 3.56%, 60-Month CD: 3.71%, Savings: 1.00%

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Educational Employees Credit Union

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Educational Employees Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Educational Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Educational Employees Credit Union's top rates as of October 9, 2026 are 4.50% APY on its Share Saver CD - 12-Month Term, 1.00% APY on savings, 0.05% APY on checking, 5.12% on its 10 Year Fixed Rate - Primary Residence mortgage, personal loans from 12.00% APR, and credit cards from 10.99% APR, according to rates verified by MonitorBankRates. Other Educational Employees Credit Union CD rates include Share Saver CD - 12-Month Term at 4.25%, Share Saver CD - 12-Month Term at 4.00%, and 3 Year CDs at 3.76%. Other Educational Employees Credit Union mortgage rates include 15 Year Fixed Rate - Primary Residence at 5.50%, 30 Year Fixed Rate Jumbo - Primary Residence at 5.75%, and 20 Year Fixed Rate - Primary Residence at 5.62%. MonitorBankRates evaluates the financial stability of Educational Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.58%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.58%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Educational Employees Credit Union
Corporate

2222 W Shaw Ave
Fresno, CA 93711-3419

https://www.myeecu.org

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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.

Educational Employees Credit Union CD Rates

Product	Rate	APY	Term
Share Saver Certificate - 12-Month Term	4.41%	4.50%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 (maximum principal balance) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term	4.17%	4.25%	12 Months
Min Deposit $400 Min Balance $400 Details Balance: $400 - $499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term	3.93%	4.00%	12 Months
Min Deposit $300 Min Balance $300 Details Balance: $300 - $399.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 Year Share Certificates	3.70%	3.76%	3 Year
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.61% → 3.76% ▲ 0.15 pts · high 3.76% / low 3.61% Oct 9, 20263.76%▲ from 3.61% Sep 18, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term	3.69%	3.75%	12 Months
Min Deposit $200 Min Balance $200 Details Balance: $200 - $299.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
2 Year Share Certificates	3.65%	3.71%	2 Year
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 9, 20263.71%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 Year Share Certificates	3.65%	3.71%	3 Year
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56% Oct 9, 20263.71%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 5 Year	3.65%	3.71%	5 Year
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51% Oct 9, 20263.71%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
18 Month Share Certificates	3.60%	3.66%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.66% ▲ 0.21 pts · high 3.66% / low 3.45% Oct 9, 20263.66%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
2 Year Share Certificates	3.60%	3.66%	2 Year
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51% Oct 9, 20263.66%▲ from 3.51% Sep 18, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 Year Share Certificates	3.60%	3.66%	3 Year
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51% Oct 9, 20263.66%▲ from 3.51% Sep 18, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 4 Year	3.60%	3.66%	4 Year
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.66% ▲ 0.21 pts · high 3.66% / low 3.45% Oct 9, 20263.66%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
18 Month Share Certificates	3.55%	3.61%	18 Month
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40% Oct 9, 20263.61%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
2 Year Share Certificates	3.55%	3.61%	2 Year
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45% Oct 9, 20263.61%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
3 Year Share Certificates	3.55%	3.61%	3 Year
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45% Oct 9, 20263.61%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 3 Year	3.55%	3.61%	3 Year
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40% Oct 9, 20263.61%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
1 Year Share Certificates	3.50%	3.56%	1 Year
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.56% ▲ 0.16 pts · high 3.56% / low 3.40% Oct 9, 20263.56%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
18 Month Share Certificates	3.50%	3.56%	18 Month
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35% Oct 9, 20263.56%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
2 Year Share Certificates	3.50%	3.56%	2 Year
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.56% ▲ 0.16 pts · high 3.56% / low 3.40% Oct 9, 20263.56%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 2 Year	3.50%	3.56%	2 Year
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35% Oct 9, 20263.56%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
1 Year Share Certificates	3.45%	3.51%	1 Year
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.51% ▲ 0.16 pts · high 3.51% / low 3.35% Oct 9, 20263.51%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
18 Month Share Certificates	3.45%	3.51%	18 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Oct 9, 20263.51%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 18 Month	3.45%	3.51%	18 Month
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Oct 9, 20263.51%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term	3.45%	3.50%	12 Months
Min Deposit $50 Min Balance $50 Details Balance: $50 - $199.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
1 Year Share Certificates	3.40%	3.45%	1 Year
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Oct 9, 20263.45%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
1 Year Share Certificates	3.35%	3.40%	1 Year
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 9, 20263.40%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share Certificate - 1 Year	3.35%	3.40%	1 Year
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 9, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 Month Share Certificates	3.20%	3.25%	6 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.14% → 3.25% ▲ 0.11 pts · high 3.25% / low 3.14% Oct 9, 20263.25%▲ from 3.14% Sep 18, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 Month Share Certificates	3.15%	3.20%	6 Month
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.20% ▲ 0.11 pts · high 3.20% / low 3.09% Oct 9, 20263.20%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 Month Share Certificates	3.11%	3.15%	6 Month
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.15% ▲ 0.11 pts · high 3.15% / low 3.04% Oct 9, 20263.15%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 Month Share Certificates	3.06%	3.10%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 3.10% ▲ 0.11 pts · high 3.10% / low 2.99% Oct 9, 20263.10%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
91 Day Share Certificates	2.91%	2.95%	91 Day
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.78% → 2.95% ▲ 0.17 pts · high 2.95% / low 2.78% Oct 9, 20262.95%▲ from 2.78% Sep 18, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
91 Day Share Certificates	2.86%	2.90%	91 Day
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.73% → 2.90% ▲ 0.17 pts · high 2.90% / low 2.73% Oct 9, 20262.90%▲ from 2.73% Sep 18, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
91 Day Share Certificates	2.81%	2.85%	91 Day
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.68% → 2.85% ▲ 0.17 pts · high 2.85% / low 2.68% Oct 9, 20262.85%▲ from 2.68% Sep 18, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
91 Day Share Certificates	2.76%	2.80%	91 Day
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.63% → 2.80% ▲ 0.17 pts · high 2.80% / low 2.63% Oct 9, 20262.80%▲ from 2.63% Sep 18, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Savings Rates

Product	Rate	APY
Holiday Wise Club Savings Account	-	1.00%
Details Maximum account balance is $12,000. $5 fee for each early withdrawal prior to club year-end on October 31. Balance transferred November 1 to savings or checking. Account automatically renews unless canceled or changed. Fees may reduce earnings. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Summer Planner Savings Account	-	1.00%
Details Maximum account balance is $12,000. One early withdrawal allowed each account term prior to July 1. Balance transferred July 1 to savings or checking. Account automatically renews unless canceled or changed. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Holiday Wise Club Savings Account	0.30%	0.30%
Min Balance $0 Details Balance: $0.00 - $12,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Summer Planner Savings Account	0.30%	0.30%
Min Balance $0 Details Balance: $0.00 - $12,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Minor Share Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 - Over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Savings and Sub-Share Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 - Over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Minor Share Savings	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Savings and Sub-Share Savings	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Minor Share Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 - $249.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Minor Share Savings	0.10%	0.10%
Min Balance $250 Details Balance: $250.00 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Share Savings and Sub-Share Savings	0.10%	0.10%
Min Balance $250 Details Balance: $250.00 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Checking Rates

Product	Rate	APY
Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500.00 - Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Golden Owl Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500.00 - Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Right Start Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500.00 - Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Rate - Primary Residence	5.125%	0.000	5.478%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.48% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
15 Year Fixed Rate - Primary Residence	5.50%	0.000	5.752%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
30 Year Fixed Rate Jumbo - Primary Residence	5.75%	0.000	5.779%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.78% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
20 Year Fixed Rate - Primary Residence	5.625%	0.000	5.826%	20 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.83% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
30 Year Fixed Rate - Primary Residence	5.75%	0.000	5.902%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
FHA 30 Year Fixed Rate	6.875%	0.000	7.091%	30 Year
Details Additional APR listed for this product: 7.193%. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
30 Year Fixed Rate - Non-Owner Occupied	7.00%	0.000	7.169%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.17% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
VA 30 Yr Fixed	6.99%	1.000	7.234%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 7.24% → 7.23% ▼ 0.01 pts · high 7.24% / low 7.23% Oct 9, 20267.23%▼ from 7.24% Sep 29, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
VA 30 Yr Fixed	7.25%	0.000	7.395%	30 years
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 29, 2026 · 7.40% → 7.40% ▼ 0.00 pts · high 7.40% / low 7.27% Oct 9, 20267.40%▲ from 7.27% Oct 2, 20267.27%▼ from 7.40% Sep 29, 20267.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC 1st Trust Deed	-	-	6.00%	10 Years
Details Lifetime Maximum Variable APR: 11.000%; Maximum Credit Limit: $400,000; Annual Fee:; Fees to Open: $125 - $725 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Oct 9, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
HELOC 2nd Trust Deed	-	-	6.00%	10 Years
Details Lifetime Maximum Variable APR: 11.000%; Maximum Credit Limit: $400,000; Annual Fee:; Fees to Open: $125 - $725 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Oct 9, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan: 2023 and Newer Models	-	-	4.99%	60 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Auto Loan: 2023 and Newer Models	-	-	4.99%	72 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Auto Loan: 2023 and Newer Models	-	-	4.99%	36 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Auto Loan: 2023 and Newer Models	-	-	4.99%	48 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student New Auto Loan: 2023 and Newer Models	-	-	4.99%	36 - 72 Months
Details GPA 3.50 or higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student Used Auto Loan: 2020-2022 Models	-	-	4.99%	2022 months
Details GPA 3.50 or higher Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	4.99%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	4.99%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	4.99%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	4.99%	72 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Auto Loan: 2023 and Newer Models	-	-	5.00%
Details As Low As; .50% discount for automatic payment from EECU checking account. Maximum loan amount $125,000. Membership eligibility/approval and $5 savings deposit required to join EECU. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Auto Loan: 2023 and Newer Models	-	-	5.99%	84 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Auto Loan: 2020-2022 Models	-	-	5.99%	84 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student New Auto Loan: 2023 and Newer Models	-	-	6.49%	36 - 72 Months
Details GPA 3.00 or 3.49 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student Used Auto Loan: 2020-2022 Models	-	-	6.49%	2022 months
Details GPA 3.00 - 3.49 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide	-	-	7.24%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide	-	-	7.74%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Classic Auto Loan: 2016 Or Older Collectible Vehicles	-	-	7.94%	Up to 60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide	-	-	7.94%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.94% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide	-	-	7.94%	72 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.94% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student New Auto Loan: 2023 and Newer Models	-	-	8.99%	36 - 72 Months
Details GPA 2.50 or 2.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student Used Auto Loan: 2020-2022 Models	-	-	8.99%	2022 months
Details GPA 2.50 - 2.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New and Used Off-Road Vehicle Loan	-	-	9.00%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New and Used Off-Road Vehicle Loan	-	-	10.00%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New and Used Off-Road Vehicle Loan	-	-	11.00%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student New Auto Loan: 2023 and Newer Models	-	-	14.99%	36 - 72 Months
Details GPA 2.49 or less Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Student Used Auto Loan: 2020-2022 Models	-	-	14.99%	2022 months
Details GPA 2.49 or less Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 14.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	6.00%	36 Months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Motorcycle Loan	-	6.00%	48 Months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Motorcycle Loan	-	6.00%	60 Months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Motorcycle Loan	-	6.00%	72 Months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	6.50%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	6.50%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	6.50%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	6.50%	72 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	6.50%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	6.50%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	6.50%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	6.50%	72 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Motorcycle Loan	-	6.50%	36 Months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Motorcycle Loan	-	6.50%	48 Months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Motorcycle Loan	-	6.50%	60 Months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Motorcycle Loan	-	6.50%	72 Months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	7.00%	84 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	7.00%	84 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	7.00%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	7.00%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	7.00%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	7.00%	72 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.00%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.00%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.00%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.00%	72 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	7.50%	84 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	8.00%	120 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	8.00%	120 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	8.50%	84 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	8.50%	120 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New Boat Loan: Not Previously Registered	-	9.00%	144 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	9.00%	144 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	9.50%	120 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	9.50%	144 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New RV Loan: 2022 and Newer Models	-	10.00%	180 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used Boat Loan: Previously Registered	-	10.50%	144 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Used RV Loan: 2021 and Older Models	-	10.50%	180 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Rewards	-	10.99%
Details Credit Limit: Up to $35,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Visa Golden Owl	-	12.99%
Details Credit Limit: Up to $15,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Visa Classic	-	13.99%
Details Credit Limit: Up to $15,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Visa Starter/Student	-	13.99%
Details Credit Limit: Up to $2,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Line of Credit Loan	12.00%
Details As Low As; Based on balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

Educational Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15 Year Fixed Closed End 2nd - 2nd / Vacation	6.75%	0.000	6.845%	15 Year
Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.85% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
15 Year Fixed Closed End 2nd - Owner Occupied	6.25%	0.000	6.34%	15 Year
Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
30 Year Fixed Rate - 2nd / Vacation	6.75%	0.000	6.915%	30 Year
Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.92% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
ECOlogical Loan	-	-	7.50%	84 Months
Details Loan amount: $100 - $60,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
ECOlogical Loan	-	-	7.50%	120 Months
Details Loan amount: $15,001 - $60,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
ECOlogical Loan	-	-	7.50%	180 Months
Details Loan amount: $25,001 - $60,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Educator Credential Loan	-	-	7.50%	60 Months
Details As Low As; Estimated Monthly Payment: Based on balance Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
MyCash Technology Loan	-	-	3.00%
Details Loan amount: $500 - $1,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Technology Loan	-	-	7.00%	60 Months
Details As Low As; Estimated Monthly Payment: Based on Balance Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
USDA 30 Yr Fixed	6.00%	0.000	6.129%	30 Yr
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Educational Employees Credit Union’s Texas Ratio stayed near 0.52% in Q3 2023 to 0.58% 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.4B	0.58%	5.0	A+
March 31, 2026	$5.4B	0.57%	5.0	A+
December 31, 2025	$5.3B	0.68%	5.0	A+
September 30, 2025	$5.1B	0.67%	5.0	A+
June 30, 2025	$5.0B	0.78%	5.0	A+
March 31, 2025	$4.9B	0.62%	5.0	A+
December 31, 2024	$4.7B	0.75%	5.0	A+
September 30, 2024	$4.7B	0.68%	5.0	A+
June 30, 2024	$4.7B	0.58%	5.0	A+
March 31, 2024	$4.8B	0.58%	5.0	A+
December 31, 2023	$4.6B	0.57%	5.0	A+
September 30, 2023	$4.6B	0.52%	5.0	A+

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 Educational Employees 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 Educational Employees 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 Educational Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Educational Employees Credit Union

Website https://www.myeecu.org

Address 2222 W Shaw Ave, Fresno, CA 93711-3419

Phone 800-538-3328

Fax 559-451-0858

President Lisa Cutts

CEO Elizabeth Dooley

Full-Time Employees 581

Part-Time Employees 25

Branch Locations 22

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.58%

Return on Assets (ROA)

0.9222%

Return on Equity (ROE)

6.3230%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

5,365,284,872

Total Amount of Shares and Deposits

4,589,675,885

Total Shares and Deposits < 1 Year

4,136,674,698

Total Shares and Deposits 1 3 Years

442,544,744

Total Shares and Deposits > 3 Years

10,456,443

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

177,924,523

Total Uninsured Shares and Deposits > $250K (F+J)

177,924,523

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,411,751,362

Total Interest Expense (Sum of items 6 8)

26,782,359

Share Certificates

27,959

Number of Accounts for Share Drafts

318,111

IRA KEOGH Accounts

10,548

Number of Accounts for Regular Shares

440,718

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)

483,850,815

Total Liabilities

4,651,543,721

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Educational Employees Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Educational Employees Credit Union

How many branches does Educational Employees Credit Union operate?

Educational Employees 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 Educational Employees Credit Union?

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

Does Educational Employees Credit Union offer online and mobile banking?

Most modern institutions like Educational Employees 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.myeecu.org.

Current Educational Employees Credit Union Rates

12-Month CD3.40%
18-Month CD3.51%
24-Month CD3.56%
60-Month CD3.71%
Savings1.00%

Retrieved from our database of financial products. Rates subject to change.

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Educational Employees Credit Union Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About Educational Employees Credit Union

How many branches does Educational Employees Credit Union operate?

Is a member application needed to join Educational Employees Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Educational Employees Credit Union offer online and mobile banking?

Current Educational Employees Credit Union Rates

Compare to Other Credit Unions