Educators Credit Union (TX)


Overview / Commentary
254-776-7900
501 W State Highway 6
Waco, TX 76710

Educators Credit Union (TX) is headquartered in WACO and is the 59th largest credit union in the state of Texas. It is also the 696th largest credit union in the nation. It was established in 1938 and as of March of 2025, it had grown to 39 employees and 27,781 members at 8 locations. Educators Credit Union (TX)'s CD rates are 4X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Educators Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Bell, Bosque, Coryell, Falls, Hamilton, Hill, Lampasas, Limestone, or McLennan.
See current membership details

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Health
A+

Health Grade Components

Overall
NCUA #67611
Year Chartered1938
Employees39
Primary Regulator
Profit Margin
Return on Assets - YTD1.81%
Return on Equity - YTD9.4%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$570.3MM$552.1MM
LoansQ1 2025vs Q1 2024$150.5MM$163MM
DepositsQ1 2025vs Q1 2024$462MM$453.8MM
Equity CapitalQ1 2025vs Q1 2024$107.5MM$97.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$274K$289K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$260K$249K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Educators Credit Union (TX) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$0-Regular Savings

Educators Credit Union (TX) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%$2.5k-Money Market Checking

Educators Credit Union (TX) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Share Draft Checking
0.10%$0-College Choice Checking
0.10%$0-Direct Choice Checking
0.10%$0-Club 55+

Educators Credit Union (TX) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$5k-12 Month CD Special
4.00%$5k-6 Month CD Special
2.53%$1k-24 Month CD
2.53%$1k-36 Month CD
2.53%$1k-48 Month CD
2.53%$1k-60 Month CD
2.27%$1k-12 Month CD
2.02%$5k-6 Month CD

Educators Credit Union (TX) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$0-IRA Savings
Locations


Educators Credit Union (TX) Locations
Branch Office2400 Lake Shore DrWaco, TX 76708-1274
Branch Office501 S Hewitt DrHewitt, TX 76643-3234
Branch Office501 W State Highway 6Waco, TX 76710-5589
Branch Office641 N Robinson DrRobinson, TX 76706
Branch Office100 Bolling DrWaco, TX 76705
Branch Office201 E Robertson AveCopperas Cove, TX 76522
Branch Office306 S Lovers LnGatesville, TX 76528
Branch Office3201 S New RdWaco, TX 76706

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