What are the current interest rates at Educators Credit Union?

Current rates for Educators Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.35%, 24-Month CD: 2.60%, 60-Month CD: 3.00%, Savings: 0.06%, MMA: 0.06%

MonitorBankRates

☰

Home›
Credit Unions›
Educators Credit Union

iAdvertiser Disclosure

Educators Credit Union Rates & Review September 2026

Q: How many branches does Educators Credit Union operate?

Educators 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.

Q: Is a member application needed to join Educators Credit Union?

Yes, to access services at Educators 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.

Q: Is there a first-time homebuyer program?

Currently, Educators 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Educators Credit Union's CDs (Regular & IRA Accounts) - 15 Month Special rates are at 4.20%, CDs (Regular & IRA Accounts) - 7 Month Special rates are at 4.20%, CDs (Regular & IRA Accounts) - 5 Years rates are at 3.00%, CDs (Regular & IRA Accounts) - 4 Years rates are at 2.85%, CDs (Regular & IRA Accounts) - 3 Years rates are at 2.75%. Educators Credit Union's savings rates are at 0.06%. Educators Credit Union's money market rates are at 0.06%. Educators Credit Union's Adjustable Rate Mortgage Loans (ARMs) - 2/1 rates are at 5.75%, 10-year Fixed rates are at 5.75%, Adjustable Rate Mortgage Loans (ARMs) - 5/1 rates are at 6.00%, VA Mortgage Products - 15-year Fixed rates are at 6.00%, 15-year Fixed rates are at 6.12%. Educators Credit Union's Personal Loan Rates are as low as 13.75%. Educators Credit Union's Credit Card Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Educators Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.95%. Rates last updated and verified on 09/14/2026.

Educators 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 Educators Credit Union? Share your experience about Educators Credit Union by leaving a review below, or read customer reviews before you decide to use Educators Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.95%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Educators Credit Union
Educators Credit Union- Newman

1400 Newman Rd
Mount Pleasant, WI 53406-2805

https://www.ecu.com

Educators Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates (Regular & IRA Accounts) - 15 Month Special	4.14%	4.20%	15 Month
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 7 Month Special	4.14%	4.20%	7 Month
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 5 Years	2.97%	3.00%	5 Years
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 4 Years	2.82%	2.85%	4 Years
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 3 Years	2.72%	2.75%	3 Years
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 30 month (Add-on)	2.62%	2.65%	30 Months
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 2 Years	2.58%	2.60%	2 Years
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 18 month	2.33%	2.35%	18 Months
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 1 Year	2.23%	2.25%	1 Year
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 275 Days (Add-on)	1.94%	1.95%	275 Days
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 182 Days	1.89%	1.90%	182 Days
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Share Certificates (Regular & IRA Accounts) - 91 Days	1.79%	1.80%	91 Days
Min Deposit $500 Details Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Educators Credit Union Savings Rates

Product	Rate	APY
HSA (Health Savings Account)	0.76%	0.76%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
IBEW Savings	0.51%	0.51%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Saver's Sweepstakes - $0	0.20%	0.20%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Saver's Sweepstakes - $0.00	0.20%	0.20%
Min Deposit $0 Min Balance $0 Details Fees may reduce earnings. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Prime Share Savings	0.06%	0.06%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Special & Club Savings Accounts	0.06%	0.06%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Educators Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	2.77%	2.81%
Min Deposit $10,000 Min Balance $250,000 Details Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Premium Money Market	2.60%	2.63%
Min Deposit $10,000 Min Balance $100,000 Details Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Premium Money Market	2.47%	2.50%
Min Deposit $10,000 Min Balance $75,000 Details Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Premium Money Market	2.39%	2.42%
Min Deposit $10,000 Min Balance $50,000 Details Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Premium Money Market	0.94%	0.94%
Min Deposit $10,000 Min Balance $10,000 Details Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
High Yield Money Market	0.19%	0.19%
Min Deposit $1,000 Min Balance $50,000 Details IRA minimum deposit: $25. APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
High Yield Money Market	0.14%	0.14%
Min Deposit $1,000 Min Balance $25,000 Details IRA minimum deposit: $25. APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
High Yield Money Market	0.11%	0.11%
Min Deposit $1,000 Min Balance $10,000 Details IRA minimum deposit: $25. APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
High Yield Money Market	0.08%	0.08%
Min Deposit $1,000 Min Balance $2,500 Details IRA minimum deposit: $25. APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
High Yield Money Market	0.06%	0.06%
Min Deposit $1,000 Details IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Educators Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.01%	0.01%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Educators Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage Loans (ARMs) - 2/1	5.75%	-	5.80%
Details Up to 30-year amortization. Closing costs = $1,600. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 2/1 ARM means that the first two years have a locked APR set at closing. The rate can then change by 1% after the first two years and every year after. The rate cannot increase more than 8% during the life of the loan. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
10-year Fixed	5.75%	0.00%	5.87%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Adjustable Rate Mortgage Loans (ARMs) - 5/1	6.00%	-	6.05%
Details Up to 30-year amortization. Closing costs = $1,600. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 5/1 ARM means that the first five years have a locked APR set at closing. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
VA Mortgage Products - 15-year Fixed	6.00%	-	6.08%	15-year
Details No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
15-year Fixed	6.13%	0.00%	6.21%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Community Heroes Home - 5/5 ARM	6.25%	0.000	6.25%
Details PMI required over 80% LTV. 99% LTV. 30-year amortization. Minimum credit score 740+. Occupation restrictions apply. No closing costs. Single family owner occupied homes only. Contact us for more information about investment properties or non-owner occupied homes. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
First-Time Homebuyers Programs with No Closing Costs - 5/5 ARM	6.38%	-	6.38%
Details Maximum second mortgage 5% LTV; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
VA Mortgage Products - 30-year Fixed	6.38%	-	6.43%	30-year
Details No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
First-Time Homebuyers Programs with No Closing Costs - 5/5 ARM	6.50%	-	6.50%
Details Maximum second mortgage 7% LTV; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
20-year Fixed	6.50%	0.00%	6.57%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
30-year Fixed	6.88%	0.00%	6.93%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
First-Time Homebuyers Programs with No Closing Costs - 5/5 ARM	8.88%	-	8.88%
Details SECOND MORTGAGE; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
First-Time Homebuyers Programs with No Closing Costs - 5/5 ARM	9.13%	-	9.13%
Details Maximum second mortgage 7% LTV; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Educators Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Fixed Home Equity Loans	-	-	6.20%
Details Loan to Value: 80% or less; As Low As; Normal closing cost approximately $199 (for title search and recording) unless appraisal is needed. For approval, an appraisal or tax statement value is needed. Appraisal may be required.; APR=Annual Percentage Rate and effective as of 09/01/2026. This is a fixed rate.; Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Home Equity Line of Credit (HELOC)	-	-	6.24%
Details Intro rate: 0% for the first 3 months. After the 3-month introductory period, the rate will revert to the current rate. This is a variable rate. Max APR is 17.9%. Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
HELOC USDA Rural Housing	6.63%	-	6.68%
Details No down payment required. $1,600 closing costs. Minimum credit score 620. Property location restrictions apply. Income eligibility requirements apply. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Home Equity Line of Credit (HELOC)	-	-	7.74%
Details Intro rate: 0% for the first 3 months. After the 3-month introductory period, the rate will revert to the current rate. This is a variable rate. Max APR is 17.9%. Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Fixed Home Equity Loans	-	-	8.15%
Details Loan to Value: 81%-90%; As Low As; Normal closing cost approximately $199 (for title search and recording) unless appraisal is needed. For approval, an appraisal or tax statement value is needed. Appraisal may be required.; APR=Annual Percentage Rate and effective as of 09/01/2026. This is a fixed rate.; Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Home Equity Line of Credit (HELOC)	-	-	8.74%
Details Intro rate: 0% for the first 3 months. After the 3-month introductory period, the rate will revert to the current rate. This is a variable rate. Max APR is 17.9%. Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Fixed Home Equity Loans	-	-	9.65%
Details Loan to Value: 91%-100%; As Low As; Normal closing cost approximately $199 (for title search and recording) unless appraisal is needed. For approval, an appraisal or tax statement value is needed. Appraisal may be required.; APR=Annual Percentage Rate and effective as of 09/01/2026. This is a fixed rate.; Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Educators Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.80%	36-month
Details Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Used Auto Loan	-	-	4.85%	36-month
Details Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Older Auto Loan	-	-	10.69%	36-month
Details Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Educators Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Card	-	10.90%
Details APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.; Visa Platinum rates start at 10.90%. Subject to credit approval. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Visa Signature Card - Cash Back Card	-	13.75%
Details APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.; Visa Signature variable rates start at 7% over Prime Rate and are adjusted quarterly. Subject to credit approval. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Educators Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Signature Card - Cash Back Card	13.75%
Details APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.; Visa Signature variable rates start at 7% over Prime Rate and are adjusted quarterly. Subject to credit approval. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Educators Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30-year Buydown Loan	6.50%	1.71%	6.78%
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Construction Loan	6.00%	-	6.12%	1
Details Term: 1-year term with conversion to 5-year ARM after completion; Maximum 90% LTV. $1,600 closing cost + cost of title. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Fixed Construction Loan	6.88%	-	7.01%	1
Details Term: 1-year term with conversion to fixed rate after completion; Maximum. 95% LTV. $1,600 closing cost + cost of title. PMI over 80% LTV. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Homes for Habitat Fixed Rate	4.25%	-	4.25%	30-year
Details No closing costs. Minimum credit score 580. Habitat for Humanity referral required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%
Lot Loans	5.75%	-	5.83%	15-year amortization
Details APR calculated on loan amount of $100,000. Maximum 90% LTV on purchases and maximum 80% on refinance. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.95%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Educators Credit Union’s Texas Ratio stayed near 2.68% in Q2 2023 to 2.95% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$3.9B	2.95%	5.0	A+
December 31, 2025	$3.7B	4.20%	5.0	A+
September 30, 2025	$3.7B	4.41%	5.0	A+
June 30, 2025	$3.6B	4.76%	5.0	A+
March 31, 2025	$3.6B	3.45%	5.0	A+
December 31, 2024	$3.4B	4.09%	5.0	A+
September 30, 2024	$3.4B	3.81%	5.0	A+
June 30, 2024	$3.4B	3.40%	5.0	A+
March 31, 2024	$3.3B	2.75%	5.0	A+
December 31, 2023	$3.2B	3.79%	5.0	A+
September 30, 2023	$3.2B	3.55%	5.0	A+
June 30, 2023	$3.2B	2.68%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Educators 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 Educators 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 Educators Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Educators Credit Union

Website https://www.ecu.com

Address 1400 Newman Rd, Mount Pleasant, WI 53406-2805

Phone 262-886-5900

Fax

President Mary Lueneburg

CEO Linda Hoover

Full-Time Employees 483

Part-Time Employees 21

Branch Locations 25

ATM Locations 25

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.95%

Return on Assets (ROA)

0.4059%

Return on Equity (ROE)

2.9111%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

3,891,207,277

Total Amount of Shares and Deposits

3,313,241,051

Total Shares and Deposits < 1 Year

3,252,000,997

Total Shares and Deposits 1 3 Years

46,923,240

Total Shares and Deposits > 3 Years

14,316,813

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

41,340,220

Total Uninsured Shares and Deposits > $250K (F+J)

41,340,220

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,271,900,831

Total Interest Expense (Sum of items 6 8)

16,195,673

Share Certificates

15,685

Number of Accounts for Share Drafts

182,539

IRA KEOGH Accounts

6,094

Number of Accounts for Regular Shares

363,035

All other shares

11,207

Money Market Shares

14,240

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)

242,267,438

Total Liabilities

3,417,630,275

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Educators Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/educators-credit-union-rates-review-66448">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Educators Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Educators Credit Union

Frequently Asked Questions About Educators Credit Union

How many branches does Educators Credit Union operate?

Educators 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 Educators Credit Union?

Yes, to access services at Educators 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, Educators 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, Educators Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Educators Credit Union offer online and mobile banking?

Most modern institutions like Educators 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.ecu.com.