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Educational Employees Credit Union

Popular Accounts at this Credit Union

0.75%1-year CD1 Year Share Certificate
0.30%SavingsSavings Account
1.21%3-year CD3 Year Share Certificate

Overview / Commentary
2222 W Shaw Ave
Fresno, CA 93711-3419

Educational Employees Credit Union is headquartered in Fresno and is the 15th largest credit union in the state of California. It is also the 73rd largest credit union in the nation. It was established in 1934 and as of September of 2017, it had grown to 465 employees and 271,667 members at 19 locations. Educational Employees Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Educational Employees Credit Union is open to employees, retirees, students, or members of school organizations in Fresno, Tulare, Kings, Merced, Mariposa, Madera, Inyo, San Benito, San Luis Obispo or Monterey Counties in California and their relatives. Membership is also open to employees of St. Agnes Hospital in Fresno, California.
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Reviews (2)

Educational employee credit union

Posted by: James2 | Apr 11, 2014

EECU is a great place to bank with. Friendly cashiers, free checking, and great rates on loans. What I really like about EECU is that no matter what branch you go to there is always a small bank setting that makes you feel right at home.

Educational Employees Credit Union

Posted by: cambert11 | May 13, 2011

Despite the exclusive sounding name, this community bank is very easy to join. You don't have to actually be an educational employee, if you have a friend or relative who is, or even a friend of a friend, that will usually be enough to qualify you for membership. There are 3 branch offices in and around the Fresno area and more importantly plenty of EECU atm machines. You may worry with a smaller bank that you will be spending extra on fees by being forced to use other atm machines, but that is not the case here. I find the locations good and I am always able to easily find an EECU atm machine when out around town. The service is what you may expect from a small town bank, they are always very polite and have always been very helpful in assisting me. Their online banking feature is useful the website is easy to navigate. I've used loan services with this bank and it was a good experience, they were willing to work with me and get me a great rate on my auto loan. I've also met with their staff financial advisor for help in starting an investment portfolio , a great experience overall. I can highly recommend this bank, they are offer competitive rates and online banking, but if you prefer the 'human' factor over an online transaction you won't be disappointed. There are good, friendly people working there, they really will make you feel welcomed and like this is a place you can stay for the long-term.


Health Grade Components

NCUA #60520
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD6.95%
Annual Interest Income$59.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$2.90B$2.71B
LoansQ3 2017vs Q3 2016$1.17B$1.10B
DepositsQ3 2017vs Q3 2016$2.53B$2.34B
Equity CapitalQ3 2017vs Q3 2016$349.8MM$343.2MM
Loan Loss AllowanceQ3 2017vs Q3 2016$10.3MM$10.3MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$4.6MM$3.8MM
Real Estate OwnedQ3 2017vs Q3 2016$38.00K$111.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Educational Employees Credit Union Savings Account Rates

0.55%--IRA Share Savings Account
0.55%--Coverdell Education Savings Account
0.40%-$6kHoliday Wise Club Account
0.30%*$10k*-Savings Account
OTHER TIERS: 0.15% $250 - $5k | 0.20% $5k - $10k
0.30%*$10k*-Minor Savings Account
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $10k

Educational Employees Credit Union Checking Account Rates

0.10%*$5k*-Checking Account
OTHER TIERS: 0.05% $500 - $5k

Educational Employees Credit Union CD Rates

1.21%*$100k*-3 Year Share Certificate
OTHER TIERS: 1.06% $500 - $50k | 1.11% $50k - $100k
0.95%*$100k*-2 Year Share Certificate
OTHER TIERS: 0.80% $500 - $50k | 0.90% $50k - $100k
0.75%*$100k*-1 Year Share Certificate
OTHER TIERS: 0.55% $2k - $5k | 0.60% $5k - $10k | 0.65% $10k - $50k | 0.70% $50k - $100k
0.75%*$100k*-18 Month Share Certificate
OTHER TIERS: 0.65% $1k - $50k | 0.70% $50k - $100k
0.60%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.40% $2k - $5k | 0.45% $5k - $10k | 0.50% $10k - $50k | 0.55% $50k - $100k
0.50%*$100k*-91 Day Share Certificate
OTHER TIERS: 0.30% $2k - $5k | 0.35% $5k - $10k | 0.40% $10k - $50k | 0.45% $50k - $100k

Educational Employees Credit Union IRA Rates

1.41%$500-5 Year IRA Share Certificate
1.26%$500-4 Year IRA Share Certificate
1.21%$500-3 Year IRA Share Certificate
1.00%$500-2 Year IRA Share Certificate
0.75%$1k-18 Month IRA Share Certificate
0.70%*$10k*-1 Year IRA Share Certificate
OTHER TIERS: 0.60% $2k - $5k | 0.65% $5k - $10k