Educational Federal Credit Union Rates and Review January 2026
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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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Compare Educational Federal 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 Educational Federal 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 AvailabilityEducational Federal 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 Educational Federal Credit Union? Share your experience about Educational Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Educational Federal Credit Union. Overall, Educational Federal 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. 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
View 50 More
Credit Card Rate ComparisonTravel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
Platinum Visa
15.350%
Student Select Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
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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 Loans
13.740%
$5,000
60 - 60
Personal Loan
9.990% - 16.240%
$0
61 - 66
Personal/Signature
10.990%
$0
24 - 36
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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 Educational Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Educational Federal Credit Union
Website: https://www.edfed.org
Full Time Employees: 307Part Time Employees: 19 President: Claude Archer CEO: Michael DiBenedetto Branch Locations: 9 ATM Locations: 8 Corporate Office Address:
7800 SW 117th Ave
Miami, FL 33183 3825 Phone Number: 305-270-5200 Fax Number: FinancialsTotal Assets:
1,728,331,833
Total Amount of Shares and Deposits:
1,452,726,456
Total Shares and Deposits < 1 Year:
1,441,433,447
Total Shares and Deposits 1 3 Years:
7,099,971
Total Shares and Deposits > 3 Years:
4,193,038
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
123,602,216
Total Uninsured Shares and Deposits > $250K (F+J):
123,602,216
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,329,124,240
Total Interest Expense (Sum of items 6 8):
11,373,721
Share Certificates:
7,199
Number of Accounts for Share Drafts:
98,285
IRA KEOGH Accounts:
3,096
Number of Accounts for Regular Shares:
167,576
All other shares:
20
Money Market Shares:
116
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
228,677,632
Total Liabilities:
1,473,107,106
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Educational Federal Credit UnionIs a member application needed to join Educational Federal Credit Union?Yes, to access services at Educational Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Educational Federal Credit Union provides a range of mortgage and home equity products. Is Educational Federal Credit Union a safe place to deposit money?Yes, Educational Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Educational Federal Credit Union offer online and mobile banking?Most modern institutions like Educational Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.50%, 6-month CD rates at 0.10% and 3-month CD rates at 0.50%. Savings rates are at 0.10% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 5.76%. Credit Card rates are at 19.24%. Personal Loan rates are at 11.90%. All these rates, and more, can be found in our database of rates which you can compare to 
