EECU

EECU Locations
1617 W 7th Street
Fort Worth, TX 76102
(800) 333-9934
www.eecu.org

EECU is headquartered in Fort Worth and is the 10st largest credit union in the state of Texas. It is also the 123rd largest credit union in the nation. It was established in 1934 and as of September of 2011, it had grown to 217 employees and 148,896 members. EECU has a 5-star health rating.

EECU Routing Number: 111994241

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Top Long-Term CD & IRA CD Rates at EECU in Fort Worth Texas - Local Only - 7/14/2011

EECU is offering competitive long-term CD and IRA CD rates. The Jumbo IRA CDs with a $50K minimum deposit have the best rates: 2.90% APY for 5 years and 2.65% APY for 4 years. The non-Jumbo IRA CDs wh ...

Top 4-Year & 5-Year CD Rates at EECU in Texas - Local Only - 7/18/2010

EECU is offering several competitive CD and IRA CD rates. The most competitive ones include a 3.00% APY 48-month CD and a 3.15% APY 60-month CD. Minimum deposit is $1,000. Higher rates are available f ...



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See Rates for: Checking | Savings | Money Market | CD | IRA

EECU Checking Account Rates

ApyMinMaxProduct
0.25%$90k-Business Checking Analysis Account
0.05%$1k-Real Worth Plus
0.05%$1k-Advantage Plus Checking
0.05%--Real Worth Premier Checking
0.05%--Business Checking Interest Account

EECU Savings Account Rates

ApyMinMaxProduct
0.40%--Variable IRA Savings
0.20%$100-Share Savings
0.20%--Dollar Dog Savings
0.20%--Young Investors
0.20%$100-Association Account

EECU Money Market Rates

ApyMinMaxProduct
0.45%$90k-Money Market Checking
0.40%$10k-Money Market Savings
0.40%$15k-Money Market Index IRA Savings
0.35%$10k-High Yield Money Market Relationship Account

EECU CD Rates

ApyMinMaxProduct
2.10%$50k-60 Month Jumbo CD
2.05%$1k$50k60 Month CD
1.75%$50k-48 Month Jumbo CD
1.70%$1k$50k48 Month CD
1.45%$50k-36 Month Jumbo CD
1.40%$1k$50k36 Month CD
1.30%$50k-24 Month Jumbo CD
1.25%$1k$50k24 Month CD
1.20%$5k-24 Month Bump Rate CD
1.10%$50k-18 Month Jumbo CD
1.05%$1k$50k18 Month CD
1.00%$5k-18 Month Bump Rate CD
0.90%$50k-12 Month Jumbo CD
0.85%$1k$50k12 Month CD
0.85%$1k-12 Month Online High Yield CD
0.80%$5k-12 Month Bump Rate CD
0.70%$1k$50k9 Month CD
0.70%$50k-9 Month Jumbo CD
0.55%$50k-6 Month Jumbo CD
0.50%$1k$50k6 Month CD
0.35%$50k-3 Month Jumbo CD
0.30%$1k$50k3 Month CD

EECU IRA Rates

ApyMinMaxProduct
2.20%$50k-60 Month Fixed Jumbo IRA
2.20%$50k-60 Month Fixed Jumbo Roth IRA
2.20%$50k-60 Month Fixed Jumbo CESA
2.20%$50k-60 Month Fixed Jumbo SEP IRA
2.15%$1k$50k60 Month Fixed IRA
2.15%$1k$50k60 Month Fixed Roth IRA
2.15%$1k$50k60 Month Fixed CESA
2.15%$1k$50k60 Month Fixed SEP IRA
1.85%$50k-48 Month Fixed Jumbo IRA
1.85%$50k-48 Month Fixed Jumbo Roth IRA
1.85%$50k-48 Month Fixed Jumbo CESA
1.85%$50k-48 Month Fixed Jumbo SEP IRA
1.80%$1k$50k48 Month Fixed IRA
1.80%$1k$50k48 Month Fixed Roth IRA
1.80%$1k$50k48 Month Fixed CESA
1.80%$1k$50k48 Month Fixed SEP IRA
1.40%$50k-24 Month Fixed Jumbo IRA
1.40%$50k-24 Month Fixed Jumbo Roth IRA
1.40%$50k-24 Month Fixed Jumbo CESA
1.40%$50k-24 Month Fixed Jumbo SEP IRA
1.35%$1k$50k24 Month Fixed IRA
1.35%$1k$50k24 Month Fixed Roth IRA
1.35%$1k$50k24 Month Fixed CESA
1.35%$1k$50k24 Month Fixed SEP IRA
1.20%$50k-18 Month Fixed Jumbo IRA
1.20%$50k-18 Month Fixed Jumbo Roth IRA
1.20%$50k-18 Month Fixed Jumbo CESA
1.20%$50k-18 Month Fixed Jumbo SEP IRA
1.15%$1k$50k18 Month Fixed IRA
1.15%$1k$50k18 Month Fixed Roth IRA
1.15%$1k$50k18 Month Fixed CESA
1.15%$1k$50k18 Month Fixed SEP IRA
1.00%$50k-12 Month Fixed Jumbo IRA
1.00%$50k-12 Month Fixed Jumbo Roth IRA
1.00%$50k-12 Month Fixed Jumbo CESA
1.00%$50k-12 Month Fixed Jumbo SEP IRA
0.95%$1k$50k12 Month Fixed IRA
0.95%$1k$50k12 Month Fixed Roth IRA
0.95%$1k$50k12 Month Fixed CESA
0.95%$1k$50k12 Month Fixed SEP IRA
0.70%$1k$50k6 Month Fixed IRA
0.70%$1k$50k6 Month Fixed Roth IRA
0.70%$1k$50k6 Month Fixed CESA
0.70%$1k$50k6 Month Fixed SEP IRA
0.65%$50k-6 Month Fixed Jumbo IRA
0.65%$50k-6 Month Fixed Jumbo Roth IRA
0.65%$50k-6 Month Fixed Jumbo CESA
0.65%$50k-6 Month Fixed Jumbo SEP IRA

Rates updated: 2/10/2012

Data for Q3 2011


Institution Statistics


EECU
NCUA #67928
BankRate ReportView
Year Established1934
Employees217
Primary Regulator

Assets and Liabilities

Assets$1.32 billion
Loans$895.74 million
Deposits$1.16 billion
Equity Capital$125.20 million
Loan Loss Allowance$5.52 million
Unbacked Noncurrent Loans$3.76 million
Real Estate Owned$1.29 million

Historic Data - September 2010

Assets$1.17 billion
Equity Capital$104.75 million
Loan Loss Allowance$5.22 million
Unbacked Noncurrent Loans$2.51 million

Profit Margin - Quarterly

Net Interest Margin4.06%
Return on Assets1.46%
Return on Equity15.44%
Interest Income$38.65 million
Non-Interest Income$16.12 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 EECU had $5.05 million in non-current loans and owned real-estate with $130.72 million in equity and loan loss allowances on hand to cover it. This gives EECU a Texas Ratio of 3.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for EECU held steady from 2.28% as of September 30, 2010 to 3.87% as of September 30, 2011, resulting in a negative change of 69.57%. This indicates that the balance sheet and financial strength for EECU has held steady in recent periods.
Deposit Growth5
In the past year, EECU has increased its total deposits by $125.86 million, resulting in 12.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth EECU has shown is excellent.
Capitalization3
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. EECU has $1.32 billion in assets with $130.72 million in equity, resulting in a capitalization level of 9.91%, which is average.
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