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%

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Educators Credit Union Rates & Review June 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: June 16, 2026

Educators Credit Union's 7 Month Special rates are at 3.80%, CDs (Regular & IRA Accounts) - 7 Month Special rates are at 3.80%, 5 Years rates are at 3.00%, CDs (Regular & IRA Accounts) - 5 Years rates are at 3.00%, 4 Years rates are at 2.85%. 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 2/1 ARM rates are at 5.12%, 10-year Fixed rates are at 5.12%, Educators Special (10-year Fixed Refinance) rates are at 5.12%, 5/1 ARM rates are at 5.38%, VA Mortgage Products 15-year Fixed rates are at 5.38%. Educators Credit Union's Personal Loan 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 4.41%. Rates were last updated on 06/16/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.41%

Excellent Lower than avg

Educators Credit Union
Home Office

321 SE Frontage Road
Mount Pleasant, WI 53177 1917

https://www.ecu.com

Educators Credit Union CD Rates

Product	Rate	APY	Term
7 Month Special	3.74%	3.80%
Min Balance $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Share Certificates (Regular & IRA Accounts) - 7 Month Special	3.74%	3.80%	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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
5 Years	2.97%	3.00%
Min Balance $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
4 Years	2.82%	2.85%
Min Balance $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
3 Years	2.72%	2.75%
Min Balance $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
30 month (Add-on)	2.62%	2.65%
Min Balance $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
2 Years	2.58%	2.60%
Min Balance $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
18 month	2.33%	2.35%
Min Balance $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
1 Year	2.23%	2.25%
Min Balance $500 Details Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Educators Credit Union Savings Rates

Product	Rate	APY
HSA (Health Savings Account)	0.76%	0.76%
Min Balance $100 Details An HSA has a $25 set-up fee. Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
IBEW Savings	0.51%	0.51%
Min Balance $100 Details IBEW members in Wisconsin and Michigan Only. Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Saver's Sweepstakes	0.20%	0.20%
Min Balance $0 Details Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Prime Share Savings	0.06%	0.06%
Min Balance $100 Details Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Special & Club Savings Accounts	0.06%	0.06%
Min Balance $100 Details Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Educators Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	2.78%	2.81%
Min Deposit $10,000 Min Balance $250,000 Details Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Premium Money Market	2.56%	2.63%
Min Deposit $10,000 Min Balance $100,000 Details Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Premium Money Market	2.48%	2.50%
Min Deposit $10,000 Min Balance $75,000 Details Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Premium Money Market	2.40%	2.42%
Min Deposit $10,000 Min Balance $50,000 Details Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Premium Money Market	0.94%	0.94%
Min Deposit $10,000 Min Balance $10,000 Details Rates are effective as of 06/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
High Yield Money Market	0.19%	0.19%
Min Balance $50,000 Details IRA minimum deposit: $25; Regular account minimum deposit-$1,000. $10 fee per month for daily balances below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
High Yield Money Market	0.14%	0.14%
Min Balance $25,000 Details IRA minimum deposit: $25; Regular account minimum deposit-$1,000. $10 fee per month for daily balances below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
High Yield Money Market	0.11%	0.11%
Min Balance $10,000 Details IRA minimum deposit: $25; Regular account minimum deposit-$1,000. $10 fee per month for daily balances below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
High Yield Money Market	0.08%	0.08%
Min Balance $2,500 Details IRA minimum deposit: $25; Regular account minimum deposit-$1,000. $10 fee per month for daily balances below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
High Yield Money Market	0.06%	0.06%
Details IRA minimum deposit: $25; Regular account minimum deposit-$1,000. $10 fee per month for daily balances below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Educators Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.01%	0.01%
Min Balance $2,500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Educators Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
2/1 ARM	5.13%	-	5.17%
Details Up to 30-year amortization. Closing costs = $1,600. 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
10-year Fixed	5.13%	0.00%	5.24%	10 years
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Educators Special (10-year Fixed Refinance)	5.13%	-	5.26%	10-year Fixed
Details Closing costs = $600. Maximum loan amount $249,999. Refinance loan amounts equal to or under $249,999 at 80% LTV. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
5/1 ARM	5.38%	-	5.42%
Details Up to 30-year amortization. Closing costs = $1,600. 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
VA Mortgage Products 15-year Fixed	5.38%	-	5.46%	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. No down payment required. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
15-year Fixed	5.50%	0.00%	5.58%	15 years
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Community Heroes Home 5/5 ARM	5.63%	0.000	5.63%
Details Adjustable Rate. 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. APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
5/5 ARM	5.75%	-	5.75%
Details Maximum second mortgage 5% LTV Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
VA Mortgage Products 30-year Fixed	5.75%	-	5.80%	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. No down payment required. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
5/5 ARM	5.88%	-	5.88%
Details Maximum second mortgage 7% LTV Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
20-year Fixed	5.88%	0.00%	5.94%	20 years
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
30 Year Fixed Mortgage	-	-	6.25%	30 Year
Details APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Closing cost $1,600. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Subject to underwriting approval. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
30-year Fixed	6.25%	0.00%	6.30%	30 years
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
5/5 ARM	8.88%	-	8.88%
Details SECOND MORTGAGE; Maximum second mortgage 5% LTV Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
5/5 ARM	9.13%	-	9.13%
Details SECOND MORTGAGE; Maximum second mortgage 7% LTV Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Educators Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC USDA Rural Housing	6.00%	-	6.05%
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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Fixed Home Equity Loans	-	-	6.20%
Details 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Home Equity Loan	-	-	6.20%
Details Rates and terms are subject to change and not guaranteed. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Home Equity Line of Credit (HELOC) <80% LTV	-	-	6.24%
Details Intro rate is for the first 3 months after closing. After the first 3 months are over, the rate will revert back to the current rate. Regular APR: Prime Rate + 0.51% to Prime Rate + 1.99%. Max APR is 17.9%. This is a variable rate. Rate adjusted quarterly. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Home Equity Line of Credit (HELOC) 81%-90% LTV	-	-	7.74%
Details Intro rate is for the first 3 months after closing. After the first 3 months are over, the rate will revert back to the current rate. Regular APR: Prime Rate + 0.51% to Prime Rate + 1.99%. Max APR is 17.9%. This is a variable rate. Rate adjusted quarterly. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Fixed Home Equity Loans	-	-	8.15%
Details 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Home Equity Line of Credit (HELOC) 91%-100% LTV	-	-	8.74%
Details Intro rate is for the first 3 months after closing. After the first 3 months are over, the rate will revert back to the current rate. Regular APR: Prime Rate + 0.51% to Prime Rate + 1.99%. Max APR is 17.9%. This is a variable rate. Rate adjusted quarterly. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Fixed Home Equity Loans	-	-	9.65%
Details 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Educators Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.65%	36-month
Details Financing up to 105% of approx. retail value. Rates and payments are based on a 36-month term. Loan rate is based on term, credit score, as well as credit tiers. Qualify for the lowest rate with credit score of 670 or above. Rates are subject to change. *Other secured loans will be based off the Used Vehicle rate tier. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Educators Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa Credit Card	-	10.90%
Details Rates and terms are subject to change and not guaranteed. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Visa Platinum Card	-	10.90%
Details Rates and terms are subject to change and not guaranteed. Subject to credit approval. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Visa Signature Card - Cash Back Card	-	13.75%
Details Rates and terms are subject to change and not guaranteed. Subject to credit approval. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Educators Credit Union Personal Loan Rates

Product	Rate	APR	View More
Unsecured Personal Loan	-	10.90%
Details Rates and terms may vary based on credit score and final loan amount. Other restrictions may apply. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

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.

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 321 SE Frontage Road, Mount Pleasant, WI 53177 1917

Phone 262-886-5900

Fax

President Mary Lueneburg

CEO Linda Hoover

Full-Time Employees 476

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+ (98/100)

Texas Ratio

4.41%

Return on Assets (ROA)

1.0989%

Return on Equity (ROE)

7.8332%

Non-Performing Loans Ratio (NPL)

0.96%

Total Assets

3,673,832,342

Total Amount of Shares and Deposits

3,161,638,661

Total Shares and Deposits < 1 Year

3,109,637,438

Total Shares and Deposits 1 3 Years

37,791,675

Total Shares and Deposits > 3 Years

14,209,549

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

37,586,056

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

37,586,056

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

3,124,052,605

Total Interest Expense (Sum of items 6 8)

52,016,680

Share Certificates

16,131

Number of Accounts for Share Drafts

180,601

IRA KEOGH Accounts

6,293

Number of Accounts for Regular Shares

363,225

All other shares

11,547

Money Market Shares

14,293

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

275,209,945

Total Liabilities

3,229,789,825

Source: NCUA — Last Updated 09/30/2025

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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.

Current Educators Credit Union Rates

12-Month CD2.25%
18-Month CD2.35%
24-Month CD2.60%
60-Month CD3.00%
Savings0.06%
MMA0.06%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Educators Credit Union Rates & Review June 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Educators Credit Union Texas Ratio

Educators Credit Union CD Rates

Educators Credit Union Savings Rates

Educators Credit Union Money Market Rates

Educators Credit Union Checking Rates

Educators Credit Union Mortgage Rates

Educators Credit Union Home Equity & HELOC

Educators Credit Union Auto Loan Rates

Educators Credit Union Credit Card Rates

Educators Credit Union Personal Loan Rates

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Educators Credit Union

How many branches does Educators Credit Union operate?

Is a member application needed to join Educators Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Educators Credit Union offer online and mobile banking?

Current Educators Credit Union Rates

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