Ohio Educational Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.ohecu.com

216-621-6296

4141 Rockside Rd Ste 400
Seven Hills, OH 44131

Ohio Educational Credit Union is headquartered in Seven Hills and is the 60^th largest credit union in the state of Ohio. It is also the 1,490^th largest credit union in the nation. It was established in 1900 and as of March of 2025, it had grown to 40 employees and 14,950 members at 5 locations. Ohio Educational Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Ohio Educational Credit Union is open to all employees, students, and alumni of any public or private educational institutions in Ohio. Membership is also open to employees of Allen Memorial Hospital, Cleveland State University, Council for Economic Opportunity, and more than 200 Ohio-based companies.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	95107
Year Chartered	1900
Employees	40
Primary Regulator

Profit Margin
Return on Assets - YTD	0.29%
Return on Equity - YTD	4.21%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$152.3MM$149.3MM
Loans	Q1 2025vs Q1 2024	$102.9MM$95.2MM
Deposits	Q1 2025vs Q1 2024	$137.7MM$135.6MM
Equity Capital	Q1 2025vs Q1 2024	$10.2MM$8.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$926K$1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$184K$110K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ohio Educational Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$25k^*	-	Regular Share Savings
OTHER TIERS: 0.01% → $0 - $1k \| 0.02% → $1k - $5k \| 0.03% → $5k - $10k \| 0.04% → $10k - $25k
0.05%^*	$25k^*	-	Special Savings
OTHER TIERS: 0.01% → $0 - $1k \| 0.02% → $1k - $5k \| 0.03% → $5k - $10k \| 0.04% → $10k - $25k
0.05%^*	$25k^*	-	Summer Reserve
OTHER TIERS: 0.01% → $0 - $1k \| 0.02% → $1k - $5k \| 0.03% → $5k - $10k \| 0.04% → $10k - $25k
0.05%^*	$25k^*	-	Holiday/Vacation Clubs
OTHER TIERS: 0.01% → $0 - $1k \| 0.02% → $1k - $5k \| 0.03% → $5k - $10k \| 0.04% → $10k - $25k
0.05%^*	$25k^*	-	Name Your Own Savings Account
OTHER TIERS: 0.02% → $1k - $5k \| 0.03% → $5k - $10k \| 0.04% → $10k - $25k

Ohio Educational Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$75k^*	-	Money Market
OTHER TIERS: 0.25% → $1k - $10k \| 0.35% → $10k - $25k \| 0.55% → $25k - $75k

Ohio Educational Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$1k	-	Select Checking Account

Ohio Educational Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.06%	$500	-	12-17 Month Gold CD
4.01%	$500	-	12-17 Month Silver CD
3.96%	$500	-	12-17 Month Standard CD
3.65%	$500	-	6-11 Month Gold CD
3.60%	$500	-	6-11 Month Silver CD
3.55%	$500	-	6-11 Month Standard CD
3.39%	$500	-	18-23 Month Gold CD
3.34%	$500	-	18-23 Month Silver CD
3.29%	$500	-	18-23 Month Standard CD
2.52%	$500	-	24-35 Month Gold CD
2.47%	$500	-	24-35 Month Silver CD
2.42%	$500	-	24-35 Month Standard CD
2.42%	$500	-	36-47 Month Gold CD
2.37%	$500	-	36-47 Month Silver CD
2.32%	$500	-	36-47 Month Standard CD
2.12%	$500	-	48-59 Month Gold CD
2.07%	$500	-	48-59 Month Silver CD
2.02%	$500	-	48-59 Month Standard CD
1.10%	$500	-	3-5 Month Gold CD
1.10%	$500	-	60 Month Gold CD
1.05%	$500	-	3-5 Month Silver CD
1.05%	$500	-	60 Month Silver CD
1.00%	$500	-	3-5 Month Standard CD
1.00%	$500	-	60 Month Standard CD
0.70%	$500	-	18 Month Step-Up Gold CD
0.65%	$500	-	18 Month Step-Up Silver CD
0.60%	$500	-	18 Month Step-Up Standard CD

Ohio Educational Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.06%	$500	-	12-17 Month Gold IRA
4.01%	$500	-	12-17 Month Silver IRA
3.96%	$500	-	12-17 Month Standard IRA
3.65%	$500	-	6-11 Month Gold IRA
3.60%	$500	-	6-11 Month Silver IRA
3.55%	$500	-	6-11 Month Standard IRA
3.39%	$500	-	18-23 Month Gold IRA
3.34%	$500	-	18-23 Month Silver IRA
3.29%	$500	-	18-23 Month Standard IRA
2.52%	$500	-	24-35 Month Gold IRA
2.47%	$500	-	24-35 Month Silver IRA
2.42%	$500	-	24-35 Month Standard IRA
2.42%	$500	-	36-47 Month Gold IRA
2.37%	$500	-	36-47 Month Silver IRA
2.32%	$500	-	36-47 Month Standard IRA
2.12%	$500	-	48-59 Month Gold IRA
2.07%	$500	-	48-59 Month Silver IRA
2.02%	$500	-	48-59 Month Standard IRA
1.10%	$500	-	3-5 Month Gold IRA
1.10%	$500	-	60 Month Gold IRA
1.05%	$500	-	3-5 Month Silver IRA
1.05%	$500	-	60 Month Silver IRA
1.00%	$500	-	3-5 Month Standard IRA
1.00%	$500	-	60 Month Standard IRA
0.70%	$500	-	18 Month Step-Up Gold IRA
0.65%	$500	-	18 Month Step-Up Silver IRA
0.60%	$500	-	18 Month Step-Up Standard IRA
0.04%	$0	-	IRA Share Savings

Locations

Ohio Educational Credit Union Locations
Branch Office	55 E College St Unit 2	Oberlin, OH 44074
Branch Office	905 Zane St Ste 1 First Floor	Zanesville, OH 43701
Branch Office	17526 Madison Ave	Lakewood, OH 44107
Corporate Office	4141 Rockside Rd Ste 400	Seven Hills, OH 44131
Branch Office	2921 Community College Ave	Cleveland, OH 44115

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