Educational Employees Credit Union (EECU)


Overview / Commentary
559-437-7700
3488 W. Shaw
Fresno, CA 93711

Educational Employees Credit Union (EECU) is headquartered in Fresno and is the 16th 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 December of 2024, it had grown to 564 employees and 382,323 members at 23 locations. Educational Employees Credit Union (EECU)'s CD rates are 5X the national average, and it 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 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 (1)

EECU NO MORE

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

Health Grade Components

Overall
NCUA #60520
Year Chartered1934
Employees564
Primary Regulator
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD12.09%
Annual Interest Income$170.2MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$4.71B$4.65B
LoansQ4 2024vs Q4 2023$2.21B$2.12B
DepositsQ4 2024vs Q4 2023$4.13B$4.06B
Equity CapitalQ4 2024vs Q4 2023$520.2MM$432.9MM
Loan Loss AllowanceQ4 2024vs Q4 2023$30.3MM$25.6MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$5.1MM$3.5MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Educational Employees Credit Union (EECU); 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.

Educational Employees Credit Union (EECU) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$0$12kHoliday Wise Club Account
0.30%$0$12kSummer Planner 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Checking Account

Educational Employees Credit Union (EECU) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.21%$500-1 Year Share Certificate Special
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.21%$500-1 Year IRA Share Certificate Special
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
0.40%$0-IRA Share Savings Account
Locations

Availability

Fresno-Visalia Area

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