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Education First Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 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 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
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 4/27/2025
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 4/27/2025
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
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.educationfirstfcu.org
409-898-3770
7025 Eastex Fwy
Beaumont, TX 77706

Education First Federal Credit Union is headquartered in Beaumont and is the 57th largest credit union in the state of Texas. It is also the 664th largest credit union in the nation. It was established in 1952 and as of December of 2024, it had grown to 145 employees and 32,520 members at 8 locations. Education First Federal Credit Union's CD rates are 5X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Education First Federal Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Hardin, Jasper, Jefferson, Newton, Orange, or Tyler. Membership is also open to current or retired employee of the East Chambers or High Island Independent School Districts and immediate family of current members.
See current membership details

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Health
C+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #24470
Year Chartered1952
Employees145
Primary Regulator
Profit Margin
Return on Assets - YTD-0.66%
Return on Equity - YTD-12.38%
Annual Interest Income$30.3MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$605.7MM$628.7MM
LoansQ4 2024vs Q4 2023$378.8MM$394.2MM
DepositsQ4 2024vs Q4 2023$538.8MM$529.4MM
Equity CapitalQ4 2024vs Q4 2023$32.7MM$32.2MM
Loan Loss AllowanceQ4 2024vs Q4 2023$6.9MM$3.6MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$8.2MM$4.8MM
Real Estate OwnedQ4 2024vs Q4 2023$265K$10K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 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 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
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 4/27/2025
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 4/27/2025
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
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 First Federal 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 First Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25-Regular Share Account
0.20%$25-Special Savings Account
0.20%$0-Christmas Club
0.20%$0-Vacation Club
0.20%$25-Business Savings

Education First Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$250k*-Money Market Account
OTHER TIERS: 0.50% → $2k - $20k | 0.60% → $20k - $50k | 0.70% → $50k - $250k
0.90%*$250k*-Business Money Market Account
OTHER TIERS: 0.50% → $2k - $20k | 0.60% → $20k - $50k | 0.70% → $50k - $250k

Education First Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2k-Checking Account
0.05%$2k-Business Plus Checking Account

Education First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%$500-1 Year CD
4.33%$500-Business 1 Year CD
3.81%$500-6 Month CD
3.81%$500-Business 6 Month CD
3.56%$500-2 Year CD
3.56%$500-3 Year CD
3.56%$500-5 Year CD
3.56%$500-Business 2 Year CD
3.56%$500-Business 3 Year CD
3.56%$500-Business 5 Year CD
2.53%$500-3 Month CD
2.53%$500-Business 3 Month CD

Education First Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25-IRA Share Savings
Locations


Education First Federal Credit Union Locations
Branch Office2014 S Wheeler StJasper, TX 75951-5624
Branch Office4350 Laurel StBeaumont, TX 77707-0001
Branch Office4695 Rolfe Christopher DrBeaumont, TX 77705-5511
Branch Office6885 Eastex FwyBeaumont, TX 77706-6514
Branch Office1121 S Magnolia St Ste 900Woodville, TX 75979-5673
Branch Office333 Highway 96 SSilsbee, TX 77656-4807
Branch Office155 W Monroe StKountze, TX 77625-7613
Branch Office199 S LHS DrLumberton, TX 77657

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