Educators Credit Union (TX)

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.edcu.com

254-776-7900

501 W State Highway 6
Waco, TX 76710

Educators Credit Union (TX) is headquartered in WACO and is the 59^th largest credit union in the state of Texas. It is also the 698^th largest credit union in the nation. It was established in 1938 and as of December of 2024, it had grown to 38 employees and 27,791 members at 8 locations. Educators Credit Union (TX)'s money market rates are 3X the national average, and it has 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

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67611
Year Chartered	1938
Employees	38
Primary Regulator

Profit Margin
Return on Assets - YTD	1.82%
Return on Equity - YTD	9.47%
Annual Interest Income	$22.4MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$549.3MM$547.6MM
Loans	Q4 2024vs Q4 2023	$152.1MM$165.7MM
Deposits	Q4 2024vs Q4 2023	$443.6MM$451.7MM
Equity Capital	Q4 2024vs Q4 2023	$105MM$95.1MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$281K$290K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$208K$195K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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Educators Credit Union (TX) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	$0	-	Regular Savings

Educators Credit Union (TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.11%	$2.5k	-	Money Market Checking

Educators Credit Union (TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	$0	-	IRA Savings

Locations

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

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