Educators Credit Union (TX)
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.92% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 1.51% | 1-year CD | 2.55% - Barclays 12 Month Online CD |
| 0.45% | Savings |
Educators Credit Union (TX) is headquartered in WACO and is the 57th largest credit union in the state of Texas. It is also the 647th largest credit union in the nation. It was established in 1938 and as of June of 2018, it had grown to 54 employees and 27,280 members at 8 locations. Educators Credit Union (TX)'s money market rates are 70% higher than the national average, and it boasts an A+ health rating.
Field of Membership Restrictions
Educators Credit Union of Texas is open to the residents, registered students, and people maintaining employment within the Central Texas area, including these approved counties: McLennan, Bosque, Hill, Falls, Coryell, and Lampasas.
See current membership details
Data as of Q2 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67611 |
| Year Chartered | 1938 |
| Employees | 54 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.83% |
| Return on Equity - YTD | 5.1% |
| Annual Interest Income | $5.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $407.1MM$397.9MM |
| Loans | Q2 2018vs Q2 2017 | $149.6MM$140.1MM |
| Deposits | Q2 2018vs Q2 2017 | $340.0MM$334.3MM |
| Equity Capital | Q2 2018vs Q2 2017 | $66.3MM$62.9MM |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $430.00K$490.00K |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $156.00K$418.00K |
| Real Estate Owned | Q2 2018vs Q2 2017 | $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.
Educators Credit Union (TX) Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.45% | - | - | Regular Savings | |
| 0.45% | - | - | IRA Savings |
Educators Credit Union (TX) Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.75%* | $75k* | - | Money Market Checking | ||
| OTHER TIERS: 0.60% → $2.5k - $25k | 0.63% → $25k - $50k | 0.72% → $50k - $75k | |||||
Educators Credit Union (TX) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | - | - | Share Draft Checking | |
| 0.15% | - | - | College Choice Checking | |
| 0.15% | - | - | Direct Choice Checking | |
| 0.15% | - | - | Club 55+ |
Educators Credit Union (TX) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.92% | $1k | - | 60 Month CD | |
| 1.81% | $1k | - | 48 Month CD | |
| 1.71% | $1k | - | 36 Month CD | |
| 1.61% | $1k | - | 24 Month CD | |
| 1.51% | $1k | - | 12 Month CD | |
| 0.65% | $5k | - | 6 Month CD |
Educators Credit Union (TX) IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.92% | $1k | - | 60 Month IRA | |
| 1.81% | $1k | - | 48 Month IRA | |
| 1.71% | $1k | - | 36 Month IRA | |
| 1.61% | $1k | - | 24 Month IRA | |
| 1.51% | $1k | - | 12 Month IRA |
| Educators Credit Union (TX) Locations | ||
|---|---|---|
| Branch Office | 2400 LAKE SHORE DR | WACO, TX 76708-1274 |
| Branch Office | 501 S HEWITT DR | HEWITT, TX 76643-3234 |
| Branch Office | 501 W STATE Highway 6 | WACO, TX 76710-5589 |
| Branch Office | 641 N ROBINSON Dr | ROBINSON, TX 76706 |
| Branch Office | 100 BOLLING Dr | WACO, TX 76705 |
| Branch Office | 201 E Robertson Ave | COPPERAS COVE, TX 76522 |
| Branch Office | 306 S LOVERS Ln | GATESVILLE, TX 76528 |
| Branch Office | 3201 S New Rd | Waco, TX 76706 |