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Educational Employees Credit Union Rates & Review August 2026

Educational Employees Credit Union's Share Saver CD - 12-Month Term rates are at 4.50%, Share Saver CD - 12-Month Term rates are at 4.25%, Share Saver CD - 12-Month Term rates are at 4.00%, Share Saver CD - 12-Month Term rates are at 3.75%, 3 Year CD rates are at 3.61%. Educational Employees Credit Union's savings rates are at 0.10%. Educational Employees Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Educational Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.67%. Rates last updated and verified on 08/28/2026.

Educational Employees Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Educational Employees Credit Union? Share your experience about Educational Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Educational Employees Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.67%
Excellent Lower than avg
Educational Employees Credit Union
Corporate
2222 W Shaw Ave
Fresno, CA 93711 3419
https://www.myeecu.org
Member NCUA

Educational Employees Credit Union CD Rates

Product Rate APY Term View More
Share Saver Certificate - 12-Month Term 4.41% 4.50% 12-Month
Min Balance $500
Details maximum principal balance
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Saver Certificate - 12-Month Term 4.17% 4.25% 12-Month
Min Balance $400
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Saver Certificate - 12-Month Term 3.93% 4.00% 12-Month
Min Balance $300
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Saver Certificate - 12-Month Term 3.69% 3.75% 12-Month
Min Balance $200
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
3 Year Share Certificate 3.55% 3.61% 3 Year
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
2 Year Share Certificate 3.50% 3.56% 2 Year
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
5 Year IRA Share Certificate 3.45% 3.51% 5 Year
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
2 Year Share Certificate 3.45% 3.51% 2 Year
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Saver Certificate - 12-Month Term 3.45% 3.50% 12-Month
Min Balance $50
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
4 Year IRA Share Certificate 3.40% 3.45% 4 Year
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
18 Month Share Certificate 3.40% 3.45% 18 Month
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
3 Year IRA Share Certificate 3.35% 3.40% 3 Year
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
1 Year Share Certificate 3.35% 3.40% 1 Year
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
2 Year IRA Share Certificate 3.30% 3.35% 2 Year
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
1 Year Share Certificate 3.30% 3.35% 1 Year
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
18 Month IRA Share Certificate 3.25% 3.30% 18 Month
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
1 Year Share Certificate 3.25% 3.30% 1 Year
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
1 Year IRA Share Certificate 3.20% 3.25% 1 Year
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
6 Month Share Certificate 3.10% 3.14% 6 Month
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
6 Month Share Certificate 3.05% 3.09% 6 Month
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
6 Month Share Certificate 3.00% 3.04% 6 Month
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
6 Month Share Certificate 2.95% 2.99% 6 Month
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
91 Day Share Certificate 2.75% 2.78% 91 Day
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
91 Day Share Certificate 2.70% 2.73% 91 Day
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
91 Day Share Certificate 2.65% 2.68% 91 Day
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
91 Day Share Certificate 2.60% 2.63% 91 Day
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%

Educational Employees Credit Union Savings Rates

Product Rate APY View More
Holiday Wise Club Savings Account 0.30% 0.30%
Min Balance $0
Details Maximum account balance is $12,000. $5 fee for each early withdrawal prior to club year-end on October 31. Balance transferred November 1 to savings or checking. Account automatically renews unless canceled or changed. Fees may reduce earnings.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Summer Planner Savings Account 0.30% 0.30%
Min Balance $0
Details Maximum account balance is $12,000. One early withdrawal allowed each account term prior to July 1. Balance transferred July 1 to savings or checking. Account automatically renews unless canceled or changed.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Minor Share Savings 0.20% 0.20%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Savings 0.20% 0.20%
Min Balance $10,000
Details Over
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Savings and Sub-Share Savings 0.20% 0.20%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Minor Share Savings 0.15% 0.15%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Savings 0.15% 0.15%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Savings and Sub-Share Savings 0.15% 0.15%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Minor Share Savings 0.10% 0.10%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Savings 0.10% 0.10%
Min Balance $250
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Share Savings and Sub-Share Savings 0.10% 0.10%
Min Balance $250
Details no dividends paid on this range
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%

Educational Employees Credit Union Checking Rates

Product Rate APY View More
Checking 0.05% 0.05%
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Golden Owl Checking 0.05% 0.05%
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Right Start Checking 0.05% 0.05%
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%

Educational Employees Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC 1st Trust Deed - - 5.75% 10 Years
Details Lifetime Maximum Variable APR: 10.750%; Maximum Credit Limit: $400,000; Annual Fee: ; Fees to Open: $125 - $725. Maximum lifetime variable APR is 5.00% over initial rate shown above. $125 application fee. Other fees to open a HELOC typically range from $221 to $600. Available on California owner-occupied real property only. EECU membership required. Other restrictions may apply. All loans subject to approval. Rates and terms subject to change without notice.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
HELOC 2nd Trust Deed - - 5.75% 10 Years
Details Lifetime Maximum Variable APR: 10.750%; Maximum Credit Limit: $400,000; Annual Fee: ; Fees to Open: $125 - $725. Maximum lifetime variable APR is 5.00% over initial rate shown above. $125 application fee. Other fees to open a HELOC typically range from $221 to $600. Available on California owner-occupied real property only. EECU membership required. Other restrictions may apply. All loans subject to approval. Rates and terms subject to change without notice.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%

Educational Employees Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan: 2023 and Newer Models - - 3.99% 60 months
Details As Low As; Includes .50% discount for automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Student New Auto Loan: 2023 and Newer Models - - 3.99% 36 - 72 Months
Details GPA 3.50 or higher; Required automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Student Used Auto Loan: 2020-2022 Models - - 4.49% 2022 Mo
Details GPA 3.50 or higher; Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. Membership eligibility/approval and $5 savings deposit required to join EECU.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Used Auto Loan: 2020-2022 Models - - 4.49% 36 Months
Details As Low As; Rate includes .50% discount for automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
New Auto Loan: 2023 and Newer Models - - 4.99% 84 months
Details As Low As; Includes .50% discount for automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Student New Auto Loan: 2023 and Newer Models - - 5.49% 36 - 72 Months
Details GPA 3.00 or 3.49; Required automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Used Auto Loan: 2020-2022 Models - - 5.49% 84 Months
Details As Low As; Rate includes .50% discount for automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Student Used Auto Loan: 2020-2022 Models - - 5.99% 2022 Mo
Details GPA 3.00 - 3.49; Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. Membership eligibility/approval and $5 savings deposit required to join EECU.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide - - 7.24% 36 Months
Details As Low As; Actual rates offered to approved applicants depend on payment method, credit history, and other factors. "As Low As" rate includes .50% discount for automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide - - 7.74% 48 Months
Details As Low As; Actual rates offered to approved applicants depend on payment method, credit history, and other factors. "As Low As" rate includes .50% discount for automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Classic Auto Loan: 2016 Or Older Collectible Vehicles - - 7.94% Up to 60 Months
Details As Low As; .50% discount for automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Golden Auto Loan: 2006-2019 Models Listed In Current Kelley Older Car Guide - - 7.94% 60 Months
Details As Low As; Actual rates offered to approved applicants depend on payment method, credit history, and other factors. "As Low As" rate includes .50% discount for automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Student New Auto Loan: 2023 and Newer Models - - 7.99% 36 - 72 Months
Details GPA 2.50 or 2.99; Required automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Student Used Auto Loan: 2020-2022 Models - - 8.49% 2022 Mo
Details GPA 2.50 - 2.99; Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. Membership eligibility/approval and $5 savings deposit required to join EECU.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
New and Used Off-Road Vehicle Loan - - 9.00% 36 Months
Details As Low As; Actual rates offered to approved applicants depend on payment method, credit history, and other factors. "As Low As" rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $20,000.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
New and Used Off-Road Vehicle Loan - - 10.00% 48 Months
Details As Low As; Actual rates offered to approved applicants depend on payment method, credit history, and other factors. "As Low As" rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $20,000.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
New and Used Off-Road Vehicle Loan - - 11.00% 60 Months
Details As Low As; Actual rates offered to approved applicants depend on payment method, credit history, and other factors. "As Low As" rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $20,000.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Student New Auto Loan: 2023 and Newer Models - - 13.99% 36 - 72 Months
Details GPA 2.49 or less; Required automatic payment from EECU checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Student Used Auto Loan: 2020-2022 Models - - 14.49% 2022 Mo
Details GPA 2.49 or less; Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. Membership eligibility/approval and $5 savings deposit required to join EECU.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%

Educational Employees Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum Rewards - 10.99%
Details As Low As; Credit Limit: Up to $35,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Visa Golden Owl - 12.99%
Details As Low As; Credit Limit: Up to $15,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Visa Classic - 13.99%
Details As Low As; Credit Limit: Up to $15,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%
Visa Starter/Student - 13.99%
Details As Low As; Credit Limit: Up to $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.67%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Educational Employees Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Educational Employees Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Educational Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Educational Employees Credit Union
Address 2222 W Shaw Ave, Fresno, CA 93711 3419
Phone 800-538-3328
Fax 559-451-0858
President Ali Nekumanesh
CEO Elizabeth Dooley
Full-Time Employees 571
Part-Time Employees 22
Branch Locations 22
ATM Locations 23
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.67%
Return on Assets (ROA)
1.2887%
Return on Equity (ROE)
9.1976%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
5,105,969,882
Total Amount of Shares and Deposits
4,404,792,990
Total Shares and Deposits < 1 Year
4,328,560,928
Total Shares and Deposits 1 3 Years
67,852,352
Total Shares and Deposits > 3 Years
8,379,710
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
152,932,355
Total Uninsured Shares and Deposits > $250K (F+J)
152,932,355
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,251,860,635
Total Interest Expense (Sum of items 6 8)
37,843,346
Share Certificates
27,807
Number of Accounts for Share Drafts
309,047
IRA KEOGH Accounts
10,351
Number of Accounts for Regular Shares
432,342
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
587,571,190
Total Liabilities
4,457,611,546
Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Educational Employees Credit Union

How many branches does Educational Employees Credit Union operate?

Educational Employees Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Educational Employees Credit Union?

Yes, to access services at Educational Employees Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Educational Employees Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Educational Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Educational Employees Credit Union offer online and mobile banking?

Most modern institutions like Educational Employees Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myeecu.org.

Current Educational Employees Credit Union Rates

  • 12-Month CD3.25%
  • 18-Month CD3.30%
  • 24-Month CD3.35%
  • 60-Month CD3.51%
  • Savings0.10%
Retrieved from our database of financial products. Rates subject to change.