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 Educators 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.
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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
Educators Credit Union's 7 Month Special CD (Regular & IRA Accounts) rates are at 3.80%, 5 Years CD (Regular & IRA Accounts) rates are at 3.00%, 4 Years CD (Regular & IRA Accounts) rates are at 2.85%, 3 Years CD (Regular & IRA Accounts) rates are at 2.75%, 30 month (Add-on) CD (Regular & IRA Accounts) rates are at 2.65%. Educators Credit Union's savings rates are at 0.06%. Educators Credit Union's money market rates are at 0.06%. Educators Credit Union's 2/1 Adjustable Rate Mortgage Loans (ARMs) rates are at 5.12%, 10-year Fixed rates are at 5.12%, Educators Special (10-year Fixed Refinance) 10-year Fixed rates are at 5.25%, 15-year Fixed rates are at 5.38%, 15-year Fixed rates are at 5.50%. Educators Credit Union's Personal Loan Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Educators Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.61%. Rates were last updated on 04/08/2026. Educators 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 Educators Credit Union? Share your experience about Educators Credit Union by leaving a review below, or read customer reviews before you decide to use Educators Credit Union. Educators Credit Union
Home Office 321 SE Frontage Road
https://www.ecu.com Mount Pleasant, WI 53177 1917 
Educators Credit Union CD Rates
Educators Credit Union Savings Rates
Educators Credit Union Money Market Rates
Educators Credit Union Checking Rates
Educators Credit Union Mortgage Rates
Educators Credit Union Home Equity & HELOC
Educators Credit Union Auto Loan Rates
Educators Credit Union Credit Card Rates
Educators Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Educators 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 Educators 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 Educators Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Educators Credit Union
Website
https://www.ecu.com
Address
321 SE Frontage Road,
Mount Pleasant, WI 53177 1917
Phone
262-886-5900
Fax
President
Mary Lueneburg
CEO
Linda Hoover
Full-Time Employees
476
Part-Time Employees
21
Branch Locations
25
ATM Locations
25
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.61%
Return on Assets (ROA)
1.0989%
Return on Equity (ROE)
7.8332%
Non-Performing Loans Ratio (NPL)
0.96%
Total Assets
3,673,832,342
Total Amount of Shares and Deposits
3,161,638,661
Total Shares and Deposits < 1 Year
3,109,637,438
Total Shares and Deposits 1 3 Years
37,791,675
Total Shares and Deposits > 3 Years
14,209,549
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
37,586,056
Total Uninsured Shares and Deposits > $250K (F+J)
37,586,056
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,124,052,605
Total Interest Expense (Sum of items 6 8)
52,016,680
Share Certificates
16,131
Number of Accounts for Share Drafts
180,601
IRA KEOGH Accounts
6,293
Number of Accounts for Regular Shares
363,225
All other shares
11,547
Money Market Shares
14,293
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
275,209,945
Total Liabilities
3,229,789,825
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Educators Credit UnionIs Educators Credit Union a safe place to deposit money?Yes, Educators Credit Union is considered a safe financial institution. With a Texas Ratio of 4.606269294861%, 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 Educators Credit Union operate?Educators 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 Educators Credit Union?Yes, to access services at Educators 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, Educators 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, Educators Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Educators Credit Union offer online and mobile banking?Most modern institutions like Educators 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.ecu.com. Current Educators Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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