Education 1St Credit Union

Overview / Commentary

www.e1cu.org

800-292-1198

1250 Country Hills Dr
Ogden, UT 84403-2560

Education 1St Credit Union is headquartered in Ogden and is the 31^st largest credit union in the state of Utah. It is also the 2,735^th largest credit union in the nation. It was established in 1932 and as of September of 2019, it had grown to 7 employees and 2,719 members at 2 locations. Education 1St Credit Union's CD rates are 2X 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.
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Health

Data as of Q3 2019

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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	7
Primary Regulator

Profit Margin
Return on Assets - YTD	0.76%
Return on Equity - YTD	7.36%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$33.7MM$33.6MM
Loans	Q3 2019vs Q3 2018	$26.8MM$26.2MM
Deposits	Q3 2019vs Q3 2018	$30.1MM$30.3MM
Equity Capital	Q3 2019vs Q3 2018	$3.5MM$3.3MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$129.00K$147.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$35.00K$148.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Money Market
CD
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
2.37%	-	-	Roth IRA Shares
0.30%	-	-	IRA Shares
0.25%	-	-	Christmas Club
0.10%	$25	-	Share Savings

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
2.35%^*	$50k^*	-	60 Month Share Certificate
OTHER TIERS: 2.33% → $1k - $50k
2.30%^*	$50k^*	-	48 Month Share Certificate
OTHER TIERS: 2.28% → $1k - $50k
2.25%^*	$50k^*	-	36 Month Share Certificate
OTHER TIERS: 2.22% → $1k - $50k
2.15%^*	$50k^*	-	24 Month Share Certificate
OTHER TIERS: 2.12% → $1k - $50k
2.01%^*	$50k^*	-	18 Month Share Certificate
OTHER TIERS: 1.99% → $1k - $50k
1.99%^*	$50k^*	-	12 Month Share Certificate
OTHER TIERS: 1.97% → $1k - $50k
1.85%^*	$50k^*	-	6 Month Share Certificate
OTHER TIERS: 1.83% → $1k - $50k

Education 1St Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.35%^*	$50k^*	-	60 Month IRA Share Certificate
OTHER TIERS: 2.33% → $1k - $50k
2.30%^*	$50k^*	-	48 Month IRA Share Certificate
OTHER TIERS: 2.28% → $1k - $50k
2.25%^*	$50k^*	-	36 Month IRA Share Certificate
OTHER TIERS: 2.22% → $1k - $50k
2.15%^*	$50k^*	-	24 Month IRA Share Certificate
OTHER TIERS: 2.12% → $1k - $50k
2.01%^*	$50k^*	-	18 Month IRA Share Certificate
OTHER TIERS: 1.99% → $1k - $50k
1.99%^*	$50k^*	-	12 Month IRA Share Certificate
OTHER TIERS: 1.97% → $1k - $50k
1.85%^*	$50k^*	-	6 Month IRA Share Certificate
OTHER TIERS: 1.83% → $1k - $50k

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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