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iAdvertiser Disclosure
Advertiser Disclosure
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 Educational Community Alliance Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Educational Community Alliance Credit Union's 12-Month IRA CD rates are at 3.93%, 12-Month CD rates are at 3.93%, 24-Month IRA CD rates are at 3.80%, 24-Month CD rates are at 3.80%, 36-Month IRA CD rates are at 3.80%. Educational Community Alliance Credit Union's savings rates are at 0.25%. Educational Community Alliance Credit Union's money market rates are at 0.50%. Educational Community Alliance Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Educational Community Alliance Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.66%. Rates were last updated on 04/19/2026. Educational Community Alliance 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 Community Alliance Credit Union? Share your experience about Educational Community Alliance Credit Union by leaving a review below, or read customer reviews before you decide to use Educational Community Alliance Credit Union. Educational Community Alliance Credit Union
Angola Branch 3845 Angola Rd
https://www.educacu.com Toledo, OH 43615 
Educational Community Alliance Credit Union CD Rates
Educational Community Alliance Credit Union Savings Rates
Educational Community Alliance Credit Union Money Market Rates
Educational Community Alliance Credit Union Checking Rates
Educational Community Alliance Credit Union Home Equity & HELOC
Educational Community Alliance Credit Union Student Loan Rates
Educational Community Alliance Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Educational Community Alliance 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 Community Alliance 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 Community Alliance Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Educational Community Alliance Credit Union
Website
https://www.educacu.com
Address
3845 Angola Rd,
Toledo, OH 43615
Phone
419-381-2323
Fax
419-381-2341
President
Bradley Aemisegger
CEO
Beth Carpenter
Full-Time Employees
12
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.66%
Return on Assets (ROA)
0.5885%
Return on Equity (ROE)
5.1749%
Non-Performing Loans Ratio (NPL)
0.33%
Total Assets
65,511,899
Total Amount of Shares and Deposits
57,497,053
Total Shares and Deposits < 1 Year
57,172,383
Total Shares and Deposits 1 3 Years
318,205
Total Shares and Deposits > 3 Years
6,465
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,286,035
Total Uninsured Shares and Deposits > $250K (F+J)
3,286,035
Total Insured Shares and Deposits > $250K (item 17 less item K)
54,211,018
Total Interest Expense (Sum of items 6 8)
388,458
Share Certificates
311
Number of Accounts for Share Drafts
2,374
IRA KEOGH Accounts
51
Number of Accounts for Regular Shares
6,825
All other shares
126
Money Market Shares
124
Net Income (unless the amount is already included in Undivided Earnings)
385,552
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
534,999
Total Liabilities
58,081,989
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Educational Community Alliance Credit UnionIs Educational Community Alliance Credit Union a safe place to deposit money?Yes, Educational Community Alliance Credit Union is considered a safe financial institution. With a Texas Ratio of 1.6558391792638%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Educational Community Alliance Credit Union operate?Educational Community Alliance 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 Community Alliance Credit Union?Yes, to access services at Educational Community Alliance 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 Community Alliance 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 Community Alliance Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Educational Community Alliance Credit Union offer online and mobile banking?Most modern institutions like Educational Community Alliance 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.educacu.com. Current Educational Community Alliance Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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