Education 1St Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.28%	5-year CD	3.10% - American Express National Bank 60 Month CD
2.20%	1-year CD	2.65% - Barclays 12 Month Online CD
0.10%	Savings	2.20% - Barclays Online Savings Account

View all Education 1St Credit Union rates »

Overview / Commentary

e1cu.org

800-292-1198

1250 Country Hills Dr
Ogden, UT 84403-2560

Education 1St Credit Union is headquartered in Ogden and is the 32^nd largest credit union in the state of Utah. It is also the 2,757^th 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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Health

Data as of Q3 2018

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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

Overall
NCUA #	67127
Year Chartered	1932
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.79%
Return on Equity - YTD	8.24%
Annual Interest Income	$995.00K

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$33.6MM$32.5MM
Loans	Q3 2018vs Q3 2017	$26.2MM$22.3MM
Deposits	Q3 2018vs Q3 2017	$30.3MM$29.5MM
Equity Capital	Q3 2018vs Q3 2017	$3.3MM$3.0MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$147.00K$121.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$148.00K$96.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Money Market
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IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Education 1St Credit Union Locations
Branch Office	800 Jackson Ave	Ogden, UT 84404
Branch Office	1250 Country Hills Dr	Ogden, UT 84403-2560

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