Educators Credit Union (TX)

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 58^th largest credit union in the state of Texas. It is also the 674^th largest credit union in the nation. It was established in 1938 and as of December of 2019, it had grown to 56 employees and 27,960 members at 8 locations. Educators Credit Union (TX) has an A+ health rating.

Field of Membership Restrictions

Educators Credit Union is open to those who live, work, or attend school in Bosque, Coryell, Falls, Hill, Lampasas, or McLennan counties.
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Health

A+

Data as of Q4 2019

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Health Grade Components

Overall
NCUA #	67611
Year Chartered	1938
Employees	56
Primary Regulator

Profit Margin
Return on Assets - YTD	1.08%
Return on Equity - YTD	6.11%
Annual Interest Income	$12.0MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$415.3MM$406.6MM
Loans	Q4 2019vs Q4 2018	$184.0MM$157.1MM
Deposits	Q4 2019vs Q4 2018	$341.4MM$336.6MM
Equity Capital	Q4 2019vs Q4 2018	$73.2MM$68.8MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$274.00K$317.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$242.00K$156.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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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
0.15%	-	-	Regular Savings
0.15%	-	-	IRA Savings

Educators Credit Union (TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.47%^*	$75k^*	-	Money Market Checking
OTHER TIERS: 0.40% → $2.5k - $50k \| 0.44% → $50k - $75k

Educators Credit Union (TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	Share Draft Checking
0.10%	-	-	College Choice Checking
0.10%	-	-	Direct Choice Checking
0.10%	-	-	Club 55+

Educators Credit Union (TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.31%	$1k	-	48 Month CD
1.31%	$1k	-	60 Month CD
1.00%	$1k	-	36 Month CD
0.95%	$1k	-	24 Month CD
0.70%	$1k	-	12 Month CD
0.30%	$5k	-	6 Month CD

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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