Educators Credit Union (TX)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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 696^th 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+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67611
Year Chartered	1938
Employees	39
Primary Regulator

Profit Margin
Return on Assets - YTD	1.81%
Return on Equity - YTD	9.4%
Annual Interest Income	$5.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$570.3MM$552.1MM
Loans	Q1 2025vs Q1 2024	$150.5MM$163MM
Deposits	Q1 2025vs Q1 2024	$462MM$453.8MM
Equity Capital	Q1 2025vs Q1 2024	$107.5MM$97.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$274K$289K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$260K$249K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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
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

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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