ECU Credit Union


Overview / Commentary
727-471-1330
8250 Bryan Dairy Rd Ste 150
Largo, FL 33777

ECU Credit Union is headquartered in Largo and is the 90th largest credit union in the state of Florida. It is also the 2,735th largest credit union in the nation. It was established in 1991 and as of March of 2025, it had grown to 10 employees and 2,484 members at 3 locations. ECU Credit Union's money market rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

ECU Credit Union of Florida is open to those who live or work in the Florida Counties of Hillsborough, Orange, Osceola, Pasco, Pinellas, or Seminole. Employees of CVS Health, Rite Aide, Bardmoor Palms facility, Eckerd Kids, Walgreens, or employed by an affiliated contractor, sub-contractor, or at a facility located within the same complex as a branch office also qualify. Membership eligibility also extends to include the former ECU credit unions members and the family members of current credit union members.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. ECU Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #67336
Year Chartered1991
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD3.68%
Annual Interest Income$444K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$36.2MM$37.2MM
LoansQ1 2025vs Q1 2024$11.9MM$12.3MM
DepositsQ1 2025vs Q1 2024$30MM$31.2MM
Equity CapitalQ1 2025vs Q1 2024$5.8MM$5.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$139K$165K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$138K$238K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not ECU Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

ECU Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$500-Regular Share Savings
0.25%$0-Youth Share Savings
0.25%$0-Christmas Club
0.25%$0-Pet Care Club
0.25%$0-Vacation Club Account

ECU Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-Money Savers
OTHER TIERS: 1.00% $5k - $10k | 1.26% $10k - $25k | 1.51% $2.5k - $50k | 1.76% $50k - $100k

ECU Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5k-Elite Checking
0.15%$5k-Preferred Checking
0.15%$5k-High School Checking

ECU Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-IRA Account
OTHER TIERS: 0.50% $0 - $2.5k | 0.75% $2.5k - $5k | 1.00% $5k - $10k | 1.26% $10k - $25k | 1.51% $25k - $50k | 1.76% $50k - $100k
Locations


ECU Credit Union Locations
Branch Office16597 Interstate 45 SConroe, TX 77385
Branch Office8250 Bryan Dairy Rd Ste 150Largo, FL 33777
Branch Office8201 Chancellor DrOrlando, FL 32809

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