Featured Savings Rates
Featured Accounts


Popular Accounts at this Credit Union

1.45%1-year CD13 Month CD Special - new money
2.25%5-year CD60 Month CD
1.80%4-year CD48 Month CD

Overview / Commentary
1617 W 7th St
Fort Worth, TX 76102

From the Bank

EECU is more than just a credit union for our members—we’re their financial advocate. We care about each member on a personal level, which means taking the time to get to know their unique financial challenges and helping them attain their goals.

We offer a wide variety of financial products and services designed to meet the needs of our members, including checking accounts, savings accounts, loans and investment opportunities. But the real value is our commitment to sitting down with each member, determining which products will help them reach their financial goals and putting them into action.

This is how EECU truly makes a difference and provides A Better Way of Banking®. EECU is devoted to helping the people and communities we work with. By taking the time to get to know our members, we’re able to truly provide real worth to those we serve.

Field of Membership Restrictions

Membership in EECU is open to anyone through becoming an Individual Associate Member of America’s Charities (credit union will facilitate joining). Membership is also open to the following: (1) those who live or work in Tarrant, Johnson, Parker, Palo Pinto or Hood Counties in Texas, or the cities of Fort Worth, Mansfield or Haslet; (2) those who live, work, worship, or attend school within a 10 mile radius of the branch office of EECU located at 1460 W. Southlake Boulevard, Southlake, TX 76092; (3) employees of AT&T and other telecommunication companies. Employees of TXU, Oncor, Atmos and other utility companies and over 500 Select Employer Groups.
See current membership details

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Reviews (5)

A great family bank!

Posted by: Aimeronym | Oct 8, 2017

I have been banking with this institution for 18 years. They have been reliable and easy to use for that duration. I have both a checking account and a savings account with them. I almost exclusively use their online banking platform and am able to deposit checks, pay bills, and move money to my savings account though the app on my phone. They have also partnered with 7-11 and I can use their ATM's for free. A great bank! I highly recommend!

Review from Loyal Member

I have been a member of Educational Employees Credit Union for 20 years. They made getting my first auto loan very easy and matched an offer I received from other lenders. If my checking account is overdrawn they transfer money from my savings account for a small fee instead of charging $20 fees for every transaction I make. I have had other banks charge huge fees for overdrawing my account by as little as $10. The loan rates are great and they offer competitive CD rates as well.

Do NOT Bank With EECU If You Like Your Money

EECU will nickle-and-dime their 'members' every opportunity! I have been a member of EECU for 20 years. I have had issues with them for 20 years but, have been too busy to look for a new bank. I pay $6/month for a checking account that 'covers overage fees' and privides other benefits. EECU will rush all of your charges through before they make your deposit placed at 4:00pm the day before. Then, they will charge you $32 per transaction (my TOTAL charges were less than $2 more than what was currently in my bank, predeposit)...they push all of the charges through if the TOTAL is over what is in your account, they will charge $32 fee for EVERY charge (including the $5 one)!

Additionally, I have jumped through hoops to make withdraws, do online bank, and wait on debit cards (after mine has expired) for decades. I have had issues in past (it's been pretty good for about a year now) with money being taken out, magically appearing back in my account, and coming back out (for years it seemed like they were trying to mess me up so they could charge/make-money-off-of me). Also, I had issues trying to use my card (when there was twice as much money in my account as the purchase) in the past! They finally got their online banking system working in 2016. Furthermore, I have met 2 EECU employees, in 2 decades, who have been helpful/friendly...their employees act like they HATE their jobs and I am bugging them by being in their bank at 3:00pm!

The "Final Straw" happened this year (2017). I had one overdraw (I pay $6/mo, remember, for 1 freebie every month) in past 4 or more months (I've kept $2,000-$6,000 in my account for past year except 2days between paying for vacation and payday in October); yet, I was charged a $32 fee in January for being less than $5 over (what happened to the once-a-month forgiveness that I pay for?). Then, they held an IRS deposit (over $1,000) for 5 business days (Thursday-Wednesday). On Sunday, I accidentally double-submitted a credit cards payment ($25) putting me $4.00 over my current balance. EECU charged me a $32 fee even though they were 'holding' a large IRS deposit pending (which should have been released at that time anyways)!!! I'm done. My next day off, I am taking my monthly payments and $4,000 average account to another bank!

Now, I can't submit form via mobile device. Come-on EECU it's 2017, the time of Web 2.0 (mainly mobile devices)!!! Maybe it only hides the submit button if the review has less than 5stars. I know them well enough that I copied my entire review to submit over-and-over until I get it to take! Lol

9 Cents Charges 32 Dollar Fee

Posted by: jason817 | Sep 4, 2014

I was charged 32.00 dollars for not having 9 cents in my account what a rip off I had 3190 in my account and the charge was 3199 the declined and charged 32 dollar fee

Eecu Problems

Posted by: Anonymous | Sep 25, 2012

I've been with this credit union for years and a few days ago someone got my account information from them a stole over $700 from me. They reacted very slow with the situation. I am very unsatisfied. But other than there slow reaction to this fraud issue, the bank is slow with updating information on your account and you have to check and change it about 3 times before they get it correct.


Health Grade Components

NCUA #67928
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD9.6%
Annual Interest Income$31.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.05B$1.92B
LoansQ2 2017vs Q2 2016$1.54B$1.41B
DepositsQ2 2017vs Q2 2016$1.78B$1.66B
Equity CapitalQ2 2017vs Q2 2016$229.1MM$215.8MM
Loan Loss AllowanceQ2 2017vs Q2 2016$9.5MM$8.3MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$2.5MM$3.5MM
Real Estate OwnedQ2 2017vs Q2 2016$53.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

EECU Savings Account Rates

0.20%$100-Variable IRA Savings
0.15%$100-Regular Savings
0.15%--Building Bucks
0.15%--Dimes to Dollars

EECU Money Market Rates

0.30%*$90k*-Money Market Checking
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $90k
0.20%*$10k*-Money Market Savings
OTHER TIERS: 0.15% $2,500 - $10k
0.20%*$10k*-High Yield Money Market Account
OTHER TIERS: 0.15% $1k - $10k
0.20%*$50k*-Money Market Index IRA Savings
OTHER TIERS: 0.15% $15k - $50k

EECU Checking Account Rates

0.05%$1k-Real Worth with Interest Checking


2.30%$50k-60 Month Jumbo CD
2.25%$1k$50k60 Month CD
1.85%$50k-48 Month Jumbo CD
1.80%$1k$50k48 Month CD
1.75%$5k-25 Month CD Special - new money
1.70%$1k-Business 36 Month CD
1.65%$50k-36 Month Jumbo CD
1.60%$1k$50k36 Month CD
1.45%$5k-13 Month CD Special - new money
1.35%$1k$50kBusiness 24 Month CD
1.30%$50k-24 Month Jumbo CD
1.25%$1k$50k24 Month CD
1.20%$5k-24 Month Bump Rate CD
1.10%$1k$50kBusiness 18 Month CD
1.05%$50k-18 Month Jumbo CD
1.00%$1k$50k18 Month CD
0.95%$5k-18 Month Bump Rate CD
0.95%$1k$50kBusiness 12 Month CD
0.90%$50k-12 Month Jumbo CD
0.85%$1k$50k12 Month CD
0.85%$1k-12 Month Online High Yield CD
0.80%$5k-12 Month Bump Rate CD
0.80%$50k-9 Month Jumbo CD
0.75%$1k$50k9 Month CD
0.70%$1k$50kBusiness 6 Month CD
0.65%$50k-6 Month Jumbo CD
0.60%$1k$50k6 Month CD
0.55%$50k-3 Month Jumbo CD
0.50%$1k$50k3 Month CD
0.40%$1k-Business 30 Day High Yield CD
0.40%$1k-Business 60 Day High Yield CD


2.30%$50k-60 Month Fixed Jumbo IRA
2.25%$1k$50k60 Month Fixed IRA
1.85%$50k-48 Month Fixed Jumbo IRA
1.80%$1k$50k48 Month Fixed IRA
1.60%$1k-36 Month Fixed IRA
1.30%$50k-24 Month Fixed Jumbo IRA
1.25%$1k$50k24 Month Fixed IRA
1.05%$50k-18 Month Fixed Jumbo IRA
1.00%$1k$50k18 Month Fixed IRA
0.90%$50k-12 Month Fixed Jumbo IRA
0.85%$1k$50k12 Month Fixed IRA
0.65%$50k-6 Month Fixed Jumbo IRA
0.60%$1k$50k6 Month Fixed IRA


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