EECU
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.20% | 5-year CD | 60 Month CD 2.35% - Synchrony Bank 60 Month CD |
| 1.70% | 4-year CD | 48 Month CD 1.80% - Goldman Sachs Bank USA 4 Year CD |
| 2.25% | 5-year IRA | 60 Month Fixed Jumbo IRA (Traditional, Roth, CESA, SEP) 1.54% - National Average |
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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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
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
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
| Overall | |
|---|---|
| NCUA # | 67928 |
| Year Chartered | 1934 |
| Employees | 305 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.91% |
| Return on Equity - YTD | 8.18% |
| Annual Interest Income | $15.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $2.03B$1.88B |
| Loans | Q1 2017vs Q1 2016 | $1.50B$1.41B |
| Deposits | Q1 2017vs Q1 2016 | $1.76B$1.63B |
| Equity Capital | Q1 2017vs Q1 2016 | $222.6MM$211.2MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $9.2MM$8.2MM |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $2.9MM$2.9MM |
| Real Estate Owned | Q1 2017vs Q1 2016 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not EECU; 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.
EECU Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | $100 | - | Variable IRA Savings | |
| 0.15% | $100 | - | Regular Savings | |
| 0.15% | - | - | Building Bucks | |
| 0.15% | - | - | Dimes to Dollars |
EECU Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | $1k | - | Real Worth with Interest Checking |
EECU CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.25% | $50k | - | 60 Month Jumbo CD | |
| 2.20% | $1k | $50k | 60 Month CD | |
| 1.75% | $50k | - | 48 Month Jumbo CD | |
| 1.70% | $1k | $50k | 48 Month CD | |
| 1.55% | $50k | - | 36 Month Jumbo CD | |
| 1.50% | $1k | $50k | 36 Month CD | |
| 1.15% | $1k | $50k | 24 Month Business CD | |
| 1.05% | $5k | - | 24 Month Bump Rate CD | |
| 1.05% | $50k | - | 24 Month Jumbo CD | |
| 1.00% | $1k | $50k | 24 Month CD | |
| 1.00% | $1k | $50k | 18 Month Business CD | |
| 0.85% | $1k | $50k | 18 Month CD | |
| 0.85% | $50k | - | 18 Month Jumbo CD | |
| 0.85% | $1k | $50k | 12 Month Business CD | |
| 0.80% | $5k | - | 18 Month Bump Rate CD | |
| 0.75% | $50k | - | 12 Month Jumbo CD | |
| 0.70% | $1k | $50k | 12 Month CD | |
| 0.70% | $1k | - | 12 Month Online High Yield CD | |
| 0.65% | $1k | $50k | 9 Month CD | |
| 0.65% | $5k | - | 12 Month Bump Rate CD | |
| 0.65% | $50k | - | 9 Month Jumbo CD | |
| 0.60% | $50k | - | 6 Month Jumbo CD | |
| 0.60% | $1k | $50k | 6 Month Business CD | |
| 0.55% | $1k | $50k | 6 Month CD | |
| 0.55% | $50k | - | 3 Month Jumbo CD | |
| 0.50% | $1k | $50k | 3 Month CD | |
| 0.40% | $1k | - | 30 Day High Yield Business CD | |
| 0.40% | $1k | - | 60 Day High Yield Business CD |
EECU IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.25% | $50k | - | 60 Month Fixed Jumbo IRA | |
| 2.20% | $1k | $50k | 60 Month Fixed IRA | |
| 1.75% | $50k | - | 48 Month Fixed Jumbo IRA | |
| 1.70% | $1k | $50k | 48 Month Fixed IRA | |
| 1.50% | $1k | - | 36 Month Fixed IRA | |
| 1.05% | $50k | - | 24 Month Fixed Jumbo IRA | |
| 1.00% | $1k | $50k | 24 Month Fixed IRA | |
| 0.90% | $50k | - | 18 Month Fixed Jumbo IRA | |
| 0.85% | $1k | $50k | 18 Month Fixed IRA | |
| 0.75% | $50k | - | 12 Month Fixed Jumbo IRA | |
| 0.70% | $1k | $50k | 12 Month Fixed IRA | |
| 0.60% | $50k | - | 6 Month Fixed Jumbo IRA | |
| 0.55% | $1k | $50k | 6 Month Fixed IRA |
EECU has 14 locations. Click to view all EECU locations.