Educators Credit Union (TX)

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.56%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.95%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.35%	Savings	Regular Savings 1.20% - Goldman Sachs Bank USA Online Savings

View all Educators Credit Union (TX) rates »

Overview / Commentary

edcu.com

254-776-7900

501 W STATE Highway 6
WACO, TX 76710-5589

Educators Credit Union (TX) is headquartered in WACO and is the 53^rd largest credit union in the state of Texas. It is also the 637^th largest credit union in the nation. It was established in 1938 and as of March of 2017, it had grown to 55 employees and 30,201 members at 9 locations. Educators Credit Union (TX)'s money market rates are 25% 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.
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Health

A+

Data as of Q1 2017

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Health Grade Components

Overall
NCUA #	67611
Year Chartered	1938
Employees	55
Primary Regulator

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	3.5%
Annual Interest Income	$2.2MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$394.5MM$385.5MM
Loans	Q1 2017vs Q1 2016	$137.3MM$131.1MM
Deposits	Q1 2017vs Q1 2016	$331.7MM$324.9MM
Equity Capital	Q1 2017vs Q1 2016	$62.3MM$60.1MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$458.00K$511.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$473.00K$637.00K
Real Estate Owned	Q1 2017vs Q1 2016	$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
0.35%	-	-	Regular Savings
0.35%	-	-	IRA Savings
0.35%	-	-	Roth IRA Savings

Educators Credit Union (TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$75k^*	-	Money Market Checking
OTHER TIERS: 0.40% → $2,500 - $25k \| 0.43% → $25k - $50k \| 0.52% → $50k - $75k

Educators Credit Union (TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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
1.56%	$1k	-	60 Month CD
1.36%	$1k	-	48 Month CD
1.21%	$1k	-	36 Month CD
0.95%	$1k	-	12 Month CD
0.80%	$1k	-	24 Month CD
0.50%	$5k	-	6 Month CD

Educators Credit Union (TX) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.56%	$1k	-	60 Month IRA
1.36%	$1k	-	48 Month IRA
1.21%	$1k	-	36 Month IRA
0.95%	$1k	-	12 Month IRA
0.80%	$1k	-	24 Month IRA

Locations

Educators Credit Union (TX) Locations
Branch Office	1210 LIVE OAK St	MARLIN, TX 76661
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