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Education 1St Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
4.39%
Our Rating
3.1  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.e1cu.org
801-392-4877
1250 Country Hills Dr
Ogden, UT 84403

Education 1St Credit Union is headquartered in Ogden and is the 30th largest credit union in the state of Utah. It is also the 2,379th largest credit union in the nation. It was established in 1932 and as of December of 2024, it had grown to 6 employees and 2,609 members at 1 location. Education 1St Credit Union's money market rates are 10X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Education First Credit Union is open to: those who live in Weber County, employees of Utah State Deaf and Blind School or Ogden City School District, alumni or students of Ogden School District, family of current credit union members.
See current membership details

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Health
B+

Data as of Q4 2024

Learn why bank health matters
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 relatively low asset base.

Health Grade Components

Overall
NCUA #67127
Year Chartered1932
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD8.25%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$53.5MM$47.5MM
LoansQ4 2024vs Q4 2023$49MM$41.4MM
DepositsQ4 2024vs Q4 2023$48MM$42.5MM
Equity CapitalQ4 2024vs Q4 2023$5.3MM$4.9MM
Loan Loss AllowanceQ4 2024vs Q4 2023$164K$131K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$6K$61K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
4.39%
Our Rating
3.1  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/16/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Education 1St 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.

Education 1St Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Christmas Club
0.15%$6-Share Savings
0.15%$6-Kids Club Savings Account

Education 1St Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.60%*$500k*-Money Market Account
OTHER TIERS: 1.50% → $0 - $25k | 2.00% → $25k - $75k | 2.50% → $75k - $150k | 3.50% → $150k - $250k | 4.20% → $250k - $500k

Education 1St Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$1k-6 Month Share Certificate
4.90%$1k-12 Month Share Certificate
4.30%$1k-18 Month Share Certificate
4.25%$1k-24 Month Share Certificate
4.05%$1k-36 Month Share Certificate
3.90%$1k-48 Month Share Certificate
3.90%$1k-60 Month Share Certificate

Education 1St Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$1k-6 Month IRA Share Certificate
4.90%$1k-12 Month IRA Share Certificate
4.30%$1k-18 Month IRA Share Certificate
4.25%$1k-24 Month IRA Share Certificate
4.05%$1k-36 Month IRA Share Certificate
3.90%$1k-48 Month IRA Share Certificate
3.90%$1k-60 Month IRA Share Certificate
3.00%$0-Roth IRA Shares
0.25%$0-IRA Shares
Locations


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

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