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

Education 1St Credit Union is headquartered in Ogden and is the 32nd largest credit union in the state of Utah. It is also the 2,757th largest credit union in the nation. It was established in 1932 and as of September of 2018, it had grown to 5 employees and 2,764 members at 2 locations. Education 1St Credit Union's CD rates are 2X the national average, and it has a B health rating.


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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

NCUA #67127
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD8.24%
Annual Interest Income$995.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$33.6MM$32.5MM
LoansQ3 2018vs Q3 2017$26.2MM$22.3MM
DepositsQ3 2018vs Q3 2017$30.3MM$29.5MM
Equity CapitalQ3 2018vs Q3 2017$3.3MM$3.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$147.00K$121.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$148.00K$96.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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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

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

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

3.28%$1k-60 Month Share Certificate
2.80%$1k-48 Month Share Certificate
2.60%$1k-36 Month Share Certificate
2.40%$1k-24 Month Share Certificate
2.30%$1k-18 Month Share Certificate
2.20%$1k-12 Month Share Certificate
1.25%$1k-6 Month Share Certificate

Education 1St Credit Union IRA Rates

3.28%$1k-60 Month IRA Share Certificate
2.80%$1k-48 Month IRA Share Certificate
2.60%$1k-36 Month IRA Share Certificate
2.40%$1k-24 Month IRA Share Certificate
2.30%$1k-18 Month IRA Share Certificate
2.20%$1k-12 Month IRA Share Certificate
1.25%$1k-6 Month IRA Share Certificate

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

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