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Education First Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
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.educationfirstfcu.org
409-898-3770
7025 Eastex Fwy
Beaumont, TX 77706

Education First Federal Credit Union is headquartered in Beaumont and is the 58th largest credit union in the state of Texas. It is also the 676th largest credit union in the nation. It was established in 1952 and as of March of 2025, it had grown to 147 employees and 32,524 members at 8 locations. Education First Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Education First Federal Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Hardin, Jasper, Jefferson, Newton, Orange, or Tyler. Membership is also open to current or retired employee of the East Chambers or High Island Independent School Districts and immediate family of current members.
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 #24470
Year Chartered1952
Employees147
Primary Regulator
Profit Margin
Return on Assets - YTD-0.54%
Return on Equity - YTD-9.63%
Annual Interest Income$7.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$601.7MM$635.9MM
LoansQ1 2025vs Q1 2024$369MM$388.4MM
DepositsQ1 2025vs Q1 2024$564.7MM$543.3MM
Equity CapitalQ1 2025vs Q1 2024$33.9MM$33.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7MM$3.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4MM$5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$96K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Education First Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25-Regular Share Account
0.20%$25-Special Savings Account
0.20%$0-Christmas Club
0.20%$0-Vacation Club
0.20%$25-Business Savings

Education First Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$250k*-Money Market Account
OTHER TIERS: 0.50% → $2k - $20k | 0.60% → $20k - $50k | 0.70% → $50k - $250k
0.90%*$250k*-Business Money Market Account
OTHER TIERS: 0.50% → $2k - $20k | 0.60% → $20k - $50k | 0.70% → $50k - $250k

Education First Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2k-Checking Account
0.05%$2k-Business Plus Checking Account

Education First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%$500-1 Year CD
4.33%$500-Business 1 Year CD
3.81%$500-6 Month CD
3.81%$500-Business 6 Month CD
3.56%$500-2 Year CD
3.56%$500-3 Year CD
3.56%$500-5 Year CD
3.56%$500-Business 2 Year CD
3.56%$500-Business 3 Year CD
3.56%$500-Business 5 Year CD
2.53%$500-3 Month CD
2.53%$500-Business 3 Month CD

Education First Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25-IRA Share Savings
Locations


Education First Federal Credit Union Locations
Branch Office2014 S Wheeler StJasper, TX 75951-5624
Branch Office4350 Laurel StBeaumont, TX 77707-0001
Branch Office4695 Rolfe Christopher DrBeaumont, TX 77705-5511
Branch Office6885 Eastex FwyBeaumont, TX 77706-6514
Branch Office1121 S Magnolia St Ste 900Woodville, TX 75979-5673
Branch Office333 Highway 96 SSilsbee, TX 77656-4807
Branch Office155 W Monroe StKountze, TX 77625-7613
Branch Office199 S LHS DrLumberton, TX 77657

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