Educators Credit Union

Overview / Commentary
1326 Willow Rd
Mount Pleasant, WI 53177

Educators Credit Union is headquartered in Mount Pleasant and is the 8th largest credit union in the state of Wisconsin. It is also the 138th largest credit union in the nation. It was established in 1937 and as of September of 2023, it had grown to 508 employees and 229,413 members at 26 locations. Educators Credit Union's money market rates are 9X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Educators Credit Union is open to those who live or work in the Wisconsin counties of Dane, Green, Jefferson, Kenosha, Milwaukee, Ozaukee, Rock, Racine, Washington, Walworth or Waukesha.
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Reviews (2)

Great Credit Union

Posted by: |

Educators Credit Union, ECU for short, is a credit union based in southeast Wisconsin.   I have banked with them for about 14 years.  They have always been very helpful when I would need loans, be it Auto, personal or school.  I also have a checking and savings account with them and I have never had any problems with them.  They give out dividends when they have a good year, and it is based on how many accounts you have with them.  They are always friendly and have great customer service.  The only down fall is the lack of branches at least in my area, but there is one about 10 miles from my house if I do actually need a brick and mortar store.  I mainly use their online tools and they are very good.  They offer account balances, bill pay, loan quotes all from their website.  I would recommend them to anyone.

Overall a mostly positive experience

So I came to Educators for their lending abilities. I heard that they rates were the lowest in the area for what I was hoping to lend with. I did not end up using them, however I was sold on their line of products and services. Their savings account and checking account rates are top notch in my opinion. This local credit union is great in a sense where you get the larger banking feel(atm access, multiple locations), without the big bank treatment. The one thing I was a little displeased about came with a recent transaction showing on my debit card. I was unsure of what this transaction was, so I wanted to call in to the service center on a Sunday to find out. Low and behold, they were not open. I don't know if I caught them at a bad time, a bad day, or whatever, but if I am having issues with my banking and my money, I want to be able to solve it right away. That being said, aside from that one experience, I love knowing they reimburse my ATM fees and their interest rates are higher than most of the bigger banks.


Health Grade Components

NCUA #66448
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD1.61%
Return on Equity - YTD17.85%
Annual Interest Income$108.8MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$3.21B$3.15B
LoansQ3 2023vs Q3 2022$2.24B$2.07B
DepositsQ3 2023vs Q3 2022$2.82B$2.82B
Equity CapitalQ3 2023vs Q3 2022$287.2MM$257.2MM
Loan Loss AllowanceQ3 2023vs Q3 2022$20.1MM$14MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$15.7MM$9.6MM
Real Estate OwnedQ3 2023vs Q3 2022$0$91K
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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 Savings Account Rates

0.76%$100-Health Savings Account
0.51%-$2.5kChange Up Savings
0.20%--Saver’s Sweepstakes Account
0.06%$100-Prime Share Savings
0.06%$100-Christmas Club
0.06%$100-Vacation Club
0.06%$100-Summer Pay
0.06%$100-Business Prime Share Savings

Educators Credit Union Money Market Rates

4.13%*$250k*-Premium Money Market
OTHER TIERS: 1.38% $10k - $100k | 2.75% $100k - $250k
4.13%*$250k*-Premium Money Market IRA
OTHER TIERS: 1.38% $10k - $100k | 2.75% $100k - $250k
4.13%*$250k*-Business Premium Money Market
OTHER TIERS: 1.38% $10k - $100k | 2.75% $100k - $250k
0.19%*$50k*-High Yield Money Market Account
OTHER TIERS: 0.06% Up to $2.5k | 0.08% $2.5k - $10k | 0.11% $10k - $25k | 0.14% $25k - $50k
0.19%*$50k*-High Yield Money Market IRA
OTHER TIERS: 0.06% Up to $2.5k | 0.08% $2.5k - $10k | 0.11% $10k - $25k | 0.14% $25k - $50k
0.19%*$50k*-Business High Yield Money Market
OTHER TIERS: 0.06% Up to $2.5k | 0.08% $2.5k - $10k | 0.11% $10k - $25k | 0.14% $25k - $50k

Educators Credit Union Checking Account Rates

0.01%$2.5k-Checking Account
0.01%$2.5k-Business Checking

Educators Credit Union CD Rates

5.00%$500-15 Month Certificate Special
5.00%$500-Business 15 Month CD Special
3.00%$500-5 Year Share Certificate
3.00%$500-Business 5 Year Certificate
2.85%$500-4 Year Share Certificate
2.85%$500-Business 4 Year Certificate
2.75%$500-3 Year Share Certificate
2.75%$500-Business 3 Year Certificate
2.65%$500-Business 30 Month Share Certificate
2.65%$500-30 Month Add On Certificate
2.60%$500-2 Year Share Certifcate
2.60%$500-Business 2 Year Share Certificate
2.35%$500-18 Month Share Certificate
2.35%$500-Business 18 Month Certificate
2.25%$500-1 Year Share Certificate
2.25%$500-Business 1 Year Certificate
1.95%$500-275 Day Add-On Certificate
1.95%$500-Business 275 Day Add-On Share Certificate
1.90%$500-182 Day Share Certificate
1.90%$500-Business 182 Day Certificate
1.80%$500-91 Day Share Certificate
1.80%$500-Business 91 Day Certificate

Educators Credit Union IRA Rates

5.00%$500-15 Month IRA Special
3.00%$500-5 Year IRA Certificate
3.00%$500-Business 5 Year IRA
2.85%$500-4 Year IRA Certificate
2.85%$500-Business 4 Year IRA
2.75%$500-3 Year IRA Certificate
2.75%$500-Business 3 Year IRA
2.65%$500-30 Month Add on IRA
2.65%$500-Business 30 Month IRA
2.60%$500-2 Year IRA Certificate
2.60%$500-Business 2 Year IRA
2.35%$500-18 Month IRA Certificate
2.35%$500-Business 18 Month IRA
2.25%$500-1 Year IRA Certificate
2.25%$500-Business 1 Year IRA
1.95%$500-275 Day Add-On IRA Certificate
1.95%$500-Business 275 Day Add on IRA
1.90%$500-182 Day IRA Certificate
1.90%$500-Business 182 Day IRA
1.80%$500-91 Day IRA Certificate
1.80%$500-Business 91 Day IRA


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