Education 1St Credit Union

Overview / Commentary
1250 Country Hills Dr
Ogden, UT 84403

Education 1St Credit Union is headquartered in Ogden and is the 31st largest credit union in the state of Utah. It is also the 2,700th largest credit union in the nation. It was established in 1932 and as of December of 2019, it had grown to 7 employees and 2,687 members at 2 locations. Education 1St Credit Union's money market rates are 14% higher than 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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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 - YTD0.88%
Return on Equity - YTD8.29%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$34.6MM$34.3MM
LoansQ4 2019vs Q4 2018$28.1MM$27.3MM
DepositsQ4 2019vs Q4 2018$30.9MM$30.9MM
Equity CapitalQ4 2019vs Q4 2018$3.6MM$3.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$138.00K$135.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$66.00K$68.00K
Real Estate OwnedQ4 2019vs Q4 2018$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

0.85%--Roth IRA Shares
0.10%$6-Share Savings
0.10%--IRA Shares
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

1.35%$1k-60 Month Share Certificate
1.15%$1k-48 Month Share Certificate
1.00%$1k-36 Month Share Certificate
0.90%$1k-24 Month Share Certificate
0.70%$1k-18 Month Share Certificate
0.60%$1k-12 Month Share Certificate
0.50%$1k-6 Month Share Certificate

Education 1St Credit Union IRA Rates

1.35%$1k-60 Month IRA Share Certificate
1.15%$1k-48 Month IRA Share Certificate
1.00%$1k-36 Month IRA Share Certificate
0.90%$1k-24 Month IRA Share Certificate
0.70%$1k-18 Month IRA Share Certificate
0.60%$1k-12 Month IRA Share Certificate
0.50%$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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