Educators Credit Union (TX)

Overview / Commentary
501 W State Highway 6
Waco, TX 76710

Educators Credit Union (TX) is headquartered in WACO and is the 59th largest credit union in the state of Texas. It is also the 692nd largest credit union in the nation. It was established in 1938 and as of December of 2023, it had grown to 39 employees and 28,405 members at 8 locations. Educators Credit Union (TX)'s CD rates are 5X 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.
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Health Grade Components

NCUA #67611
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD1.69%
Return on Equity - YTD9.75%
Annual Interest Income$19.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$547.6MM$537.8MM
LoansQ4 2023vs Q4 2022$165.7MM$184.2MM
DepositsQ4 2023vs Q4 2022$451.7MM$451.2MM
Equity CapitalQ4 2023vs Q4 2022$95.1MM$85.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$290K$320K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$195K$180K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Educators Credit Union (TX) Savings Account Rates

0.40%--Regular Savings
0.40%--IRA Savings

Educators Credit Union (TX) Money Market Rates

1.11%$2.5k-Money Market Checking

Educators Credit Union (TX) Checking Account Rates

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

4.86%$50k-6 Month CD Special
4.85%$50k-12 Month CD Special
3.04%$50k-18 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) 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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