Educational Employees Credit Union (EECU)

Overview / Commentary
3488 W. Shaw
Fresno, CA 93711

Educational Employees Credit Union (EECU) is headquartered in Fresno and is the 15th largest credit union in the state of California. It is also the 85th largest credit union in the nation. It was established in 1934 and as of March of 2024, it had grown to 550 employees and 371,811 members at 23 locations. Educational Employees Credit Union (EECU)'s CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Educational Employees Credit Union is open to employees, retirees, students, or members of school districts in the California counties of Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, or Tulare. their relatives. Membership is also open to employees of the City of Fresno, St. Agnes Hospital (Fresno), or Valley Children’s Healthcare
See current membership details

Reviews (3)

Educational employee credit union

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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: |

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.


All I can say is this is the first of many platforms that I will tell you guys why not to bank at EECU anymore. I have a 780 score with 0 delinquent account on my credit. I have never had a bankruptcy or had a loan problem until now. I've been banking with EECU since I was a student and have done multiple car loans with them that have been paid off. Their mortgage department loan officers Trudy Brandon and Trisha are not all on the same page. Diane Morales, the supervisor, didn't want to take my calls after she knew Trudy messed up and had me pay off all my bills. And after all that, they still told me I didn't qualify due to the debt to income ratio. Mind you, I paid off $60,000 off my credit report. Trudy kept saying they follow Freddie Mac and Fannie Mae guidelines which have had government bailouts. The moral of the story is they are not an equal housing lender and after all they have put me through Trudy was still asking me to come up with $23,000 down. What a joke of a bank. If I didn't have a loan with EECU right now I would close all my accounts with them and never do business again. Do yourself a favor and do business with a bank that appreciates you and does make you feel like you have rat credit or you can't pay your bills.


Health Grade Components

NCUA #60520
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD13.78%
Annual Interest Income$38.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$4.76B$4.66B
LoansQ1 2024vs Q1 2023$2.12B$1.97B
DepositsQ1 2024vs Q1 2023$4.17B$4.25B
Equity CapitalQ1 2024vs Q1 2023$442.7MM$361.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$26.4MM$26.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.7MM$2.1MM
Real Estate OwnedQ1 2024vs Q1 2023$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.

Educational Employees Credit Union (EECU) Savings Account Rates

0.40%$0-IRA Share Savings Account
0.30%$0$6kHoliday Wise Club Account
0.20%*$10k*-Savings Account
OTHER TIERS: 0.10% $250 - $5k | 0.15% $5k - $10k
0.20%*$10k*-Minor Savings Account
OTHER TIERS: 0.10% $0 - $5k | 0.15% $5k - $10k

Educational Employees Credit Union (EECU) Checking Account Rates

0.05%$500-Checking Account

Educational Employees Credit Union (EECU) CD Rates

3.61%*$100k*-3 Year Share Certificate
OTHER TIERS: 3.45% $500 - $10k | 3.51% $10k - $50k | 3.56% $50k - $100k
3.56%*$100k*-2 Year Share Certificate
OTHER TIERS: 3.40% $500 - $10k | 3.45% $10k - $50k | 3.51% $50k - $100k
3.45%*$100k*-18 Month Share Certificate
OTHER TIERS: 3.30% $500 - $10k | 3.35% $10k - $50k | 3.40% $50k - $100k
3.40%*$100k*-1 Year Share Certificate
OTHER TIERS: 3.25% $500 - $10k | 3.30% $10k - $50k | 3.35% $50k - $100k
3.14%*$100k*-6 Month Share Certificate
OTHER TIERS: 2.99% $500 - $10k | 3.04% $10k - $50k | 3.09% $50k - $100k
2.78%*$100k*-91 Day Share Certificate
OTHER TIERS: 2.63% $500 - $10k | 2.68% $10k - $50k | 2.73% $50k - $100k

Educational Employees Credit Union (EECU) IRA Rates

3.51%$500-5 Year IRA Share Certificate
3.45%$500-4 Year IRA Share Certificate
3.40%$500-3 Year IRA Share Certificate
3.35%$500-2 Year IRA Share Certificate
3.30%$500-18 Month IRA Share Certificate
3.25%$500-1 Year IRA Share Certificate


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