Overview / Commentary
254-776-7900
501 W STATE Highway 6
WACO, TX 76710-5589

Educators Credit Union (TX) is headquartered in WACO and is the 55th largest credit union in the state of Texas. It is also the 647th largest credit union in the nation. It was established in 1938 and as of December of 2018, it had grown to 56 employees and 27,322 members at 8 locations. Educators Credit Union (TX)'s CD rates are 2X the national average, and it has 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

Health Grade Components

Overall
NCUA #67611
Year Chartered1938
Employees56
Primary Regulator
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD6.05%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$406.6MM$401.3MM
LoansQ4 2018vs Q4 2017$157.1MM$146.0MM
DepositsQ4 2018vs Q4 2017$336.6MM$335.9MM
Equity CapitalQ4 2018vs Q4 2017$68.8MM$64.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$317.00K$414.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$156.00K$284.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Educators Credit Union (TX); we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Regular Savings
0.50%--IRA Savings

Educators Credit Union (TX) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$75k*-Money Market Checking
OTHER TIERS: 0.60% $2.5k - $25k | 0.63% $25k - $50k | 0.72% $50k - $75k

Educators Credit Union (TX) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$1k-60 Month CD
2.22%$1k-48 Month CD
2.12%$1k-36 Month CD
2.02%$1k-24 Month CD
1.87%$1k-12 Month CD
1.16%$5k-6 Month CD
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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