Education Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your 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.educationcu.com

800-687-8144

6203 Hillside Rd
Amarillo, TX 79109

Education Credit Union is headquartered in Amarillo and is the 65^th largest credit union in the state of Texas. It is also the 767^th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 139 employees and 41,006 members at 11 locations. Education Credit Union's money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Education Credit Union is open to: 1) anyone who lives, works, worships, or goes to school within 10 miles of any Education Credit Union branch; 2) employees of District 4 of the Texas DOT; 3) employees and students of private, public, or parochial schools, colleges or universities; 4) individuals who hold a valid Texas teaching certificate; 5) certified day-care workers in Potter or Randall County, and members of Canyon ISD Council PTA, WTAMU Alumni Association, Amarillo ISD Council PTA, or Bushland ISD Council PTA; 6) home schoolers, retirees, and relatives.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67494
Year Chartered	1935
Employees	139
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.14%
Return on Equity - YTD	-1.31%
Annual Interest Income	$7.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$479.8MM$476.5MM
Loans	Q1 2025vs Q1 2024	$382.2MM$378.6MM
Deposits	Q1 2025vs Q1 2024	$397.6MM$397.2MM
Equity Capital	Q1 2025vs Q1 2024	$52.3MM$54.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.2MM$3.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3MM$2.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$41K

TODAY'S FEATURED RATES

Member FDIC

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

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

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

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your 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
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IRA

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

Education Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$10k^*	-	Education Savings Account
OTHER TIERS: 0.50% → $25 - $10k
0.30%^*	$50k^*	-	Share Savings
OTHER TIERS: 0.15% → $100 - $5k \| 0.20% → $5k - $25k \| 0.25% → $25k - $50k
0.20%	$25	-	Deposit Savings
0.20%	$10	-	Summer Pay Savings Account
0.20%	$0	-	Health Savings Account
0.15%^*	$50k^*	-	Additional Savings
OTHER TIERS: 0.05% → $100 - $25k \| 0.10% → $25k - $50k

Education Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.15%^*	$100k^*	-	Super Money Market
OTHER TIERS: 1.65% → $2.5k - $25k \| 1.85% → $25k - $50k \| 1.95% → $50k - $100k
0.70%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.40% → $500 - $25k \| 0.50% → $25k - $50k \| 0.60% → $50k - $100k

Education Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%^*	$1k^*	$50k	Smart Checking
OTHER TIERS: 0.10% → $0+
0.05%	$900	-	Interest Checking Account
0.05%	$900	-	Golden Apple Checking
0.05%	$900	-	Red Apple Checking

Education Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$500	-	12 Month CD - At Maturity
4.00%	$500	-	6 Month CD- At Maturity
3.00%	$500	-	24 Month CD - At Maturity
3.00%	$500	-	36 Month CD - At Maturity
2.50%	$500	-	60 Month CD - At Maturity

Education Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$1k	-	12 Month IRA
3.00%	$1k	-	24 Month IRA
3.00%	$1k	-	36 Month IRA
2.50%	$1k	-	60 Month IRA
1.00%^*	$10k^*	-	IRA Savings
OTHER TIERS: 0.50% → $25 - $10k

Locations

Availability

Amarillo Area

Amarillo Area bank & credit union details

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