Education 1St Credit Union


Overview / Commentary
800-292-1198
1250 Country Hills Dr
Ogden, UT 84403-2560

Education 1St Credit Union is headquartered in Ogden and is the 30th largest credit union in the state of Utah. It is also the 2,710th largest credit union in the nation. It was established in 1932 and as of December of 2018, it had grown to 7 employees and 2,739 members at 2 locations. Education 1St Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

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Health
B+
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. Education 1St Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #67127
Year Chartered1932
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD7.98%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$34.3MM$32.4MM
LoansQ4 2018vs Q4 2017$27.3MM$22.9MM
DepositsQ4 2018vs Q4 2017$30.9MM$29.3MM
Equity CapitalQ4 2018vs Q4 2017$3.3MM$3.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$135.00K$120.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$68.00K$76.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Education 1St Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--IRA Shares
0.25%--Roth IRA Shares
0.10%$25-Share Savings
0.10%--Christmas Club

Education 1St Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$500k*-Money Market Account
OTHER TIERS: 0.20% Up to $50k | 0.25% $50k - $100k | 0.35% $100k - $500k

Education 1St Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$50k*-60 Month Share Certificate
OTHER TIERS: 3.00% $1k - $50k
2.94%*$50k*-48 Month Share Certificate
OTHER TIERS: 2.90% $1k - $50k
2.89%*$50k*-36 Month Share Certificate
OTHER TIERS: 2.85% $1k - $50k
2.63%*$50k*-24 Month Share Certificate
OTHER TIERS: 2.60% $1k - $50k
2.48%*$50k*-18 Month Share Certificate
OTHER TIERS: 2.45% $1k - $50k
2.32%*$50k*-12 Month Share Certificate
OTHER TIERS: 2.30% $1k - $50k
1.36%*$50k*-6 Month Share Certificate
OTHER TIERS: 1.35% $1k - $50k

Education 1St Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$50k*-60 Month IRA Share Certificate
OTHER TIERS: 3.00% $1k - $50k
2.94%*$50k*-48 Month IRA Share Certificate
OTHER TIERS: 2.90% $1k - $50k
2.89%*$50k*-36 Month IRA Share Certificate
OTHER TIERS: 2.85% $1k - $50k
2.63%*$50k*-24 Month IRA Share Certificate
OTHER TIERS: 2.60% $1k - $50k
2.48%*$50k*-18 Month IRA Share Certificate
OTHER TIERS: 2.45% $1k - $50k
2.32%*$50k*-12 Month IRA Share Certificate
OTHER TIERS: 2.30% $1k - $50k
1.36%*$50k*-6 Month IRA Share Certificate
OTHER TIERS: 1.35% $1k - $50k
Locations


Education 1St Credit Union Locations
Branch Office800 Jackson AveOgden, UT 84404
Branch Office1250 Country Hills DrOgden, UT 84403-2560

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