Educational Employees Credit Union (EECU)

Overview / Commentary

www.myeecu.org

559-437-7700

2222 W Shaw Ave
Fresno, CA 93711

Educational Employees Credit Union (EECU) is headquartered in Fresno and is the 14^th largest credit union in the state of California. It is also the 80^th largest credit union in the nation. It was established in 1934 and as of December of 2022, it had grown to 522 employees and 351,440 members at 21 locations. Educational Employees Credit Union (EECU)'s CD rates are 2X 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 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.
See current membership details

View all posts from:

2008

3/22 - 4.18% 12-Month CD / 4.18% 24-Month CD at a California CU (Educational Employees).

Reviews (2)

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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.

Comment

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.

Comment

Health

B+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #	60520
Year Chartered	1934
Employees	522
Primary Regulator

Profit Margin
Return on Assets - YTD	0.98%
Return on Equity - YTD	13.87%
Annual Interest Income	$106.5MM

Assets and Liabilities
Assets	Q4 2022vs Q4 2021	$4.59B$4.68B
Loans	Q4 2022vs Q4 2021	$1.92B$1.58B
Deposits	Q4 2022vs Q4 2021	$4.22B$4.17B
Equity Capital	Q4 2022vs Q4 2021	$325.4MM$477.7MM
Loan Loss Allowance	Q4 2022vs Q4 2021	$13.2MM$11.3MM
Unbacked Noncurrent Loans	Q4 2022vs Q4 2021	$2.4MM$1.3MM
Real Estate Owned	Q4 2022vs Q4 2021	$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

APY	MIN	MAX	ACCOUNT NAME
0.40%	-	-	IRA Share Savings Account
0.30%	-	$6k	Holiday 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% → Up to $5k \| 0.15% → $5k - $10k

Educational Employees Credit Union (EECU) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Checking Account

Educational Employees Credit Union (EECU) CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.20%	$500	-	3 Year Spring Certificate Special
2.89%	$500	-	2 Year Share Certificate Special
2.53%^*	$100k^*	-	3 Year Share Certificate
OTHER TIERS: 2.38% → $500 - $10k \| 2.43% → $10k - $50k \| 2.48% → $50k - $100k
2.43%^*	$100k^*	-	2 Year Share Certificate
OTHER TIERS: 2.27% → $500 - $10k \| 2.32% → $10k - $50k \| 2.38% → $50k - $100k
2.17%^*	$100k^*	-	1 Year Share Certificate
OTHER TIERS: 2.02% → $500 - $10k \| 2.07% → $10k - $50k \| 2.12% → $50k - $100k
2.17%^*	$100k^*	-	18 Month Share Certificate
OTHER TIERS: 2.02% → $500 - $10k \| 2.07% → $10k - $50k \| 2.12% → $50k - $100k
1.92%^*	$100k^*	-	6 Month Share Certificate
OTHER TIERS: 1.76% → $500 - $10k \| 1.81% → $10k - $50k \| 1.87% → $50k - $100k
1.71%^*	$100k^*	-	91 Day Share Certificate
OTHER TIERS: 1.56% → $500 - $10k \| 1.61% → $10k - $50k \| 1.66% → $50k - $100k

Educational Employees Credit Union (EECU) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.89%	$500	-	2 Year IRA Certificate Special
2.58%	$500	-	5 Year IRA Share Certificate
2.53%	$500	-	4 Year IRA Share Certificate
2.48%	$500	-	3 Year IRA Share Certificate
2.38%	$500	-	2 Year IRA Share Certificate
2.12%	$500	-	18 Month IRA Share Certificate
2.07%	$500	-	1 Year IRA Share Certificate