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Ohio Educational Credit Union

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Ohio Educational Credit Union Rates & Review October 2026

Q: What are the current interest rates at Ohio Educational Credit Union?

Current rates for Ohio Educational Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 0.60%, 24-Month CD: 3.65%, 60-Month CD: 1.00%, Savings: 0.05%, MMA: 0.75%

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 19, 2026

Ohio Educational Credit Union's 12 - 17 Month I.R.A. Term CD rates are at 3.91%, 12 - 17 Month Term CD rates are at 3.91%, 18 - 23 Month I.R.A. Term CD rates are at 3.75%, 18 - 23 Month Term CD rates are at 3.75%, 6 - 11 Month I.R.A. Term CD rates are at 3.65%. Ohio Educational Credit Union's savings rates are at 0.05%. Ohio Educational Credit Union's money market rates are at 0.75%. Ohio Educational Credit Union's checking rates are as high as 0.01%. Ohio Educational Credit Union's RV, Boat and Powersport Loan Rates are as low as 8.38%. MonitorBankRates evaluates the financial stability of Ohio Educational Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.37%. Rates last updated and verified on 10/19/2026.

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

1.37%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Ohio Educational Credit Union
Administrative Office

4141 Rockside Rd Ste 400
Seven Hills, OH 44131

https://ohecu.com

Privately insuredNot NCUA

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Ohio Educational Credit Union CD Rates

Product	Rate	APY	Term
12 - 17 Month I.R.A. Term Certificate	3.85%	3.91%	12-17 Months
Min Deposit $500 Details Gold Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 2 changes since Sep 18, 2026 · 3.75% → 3.91% ▲ 0.16 pts · high 3.91% / low 3.75% Oct 19, 20263.91%▲ from 3.85% Sep 27, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
12 - 17 Month Term Share Certificate	3.85%	3.91%	12-17 Months
Min Deposit $500 Details Gold Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80% Oct 19, 20263.91%▲ from 3.80% Oct 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
12 - 17 Month I.R.A. Term Certificate	3.80%	3.85%	12-17 Months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Sep 27, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
12 - 17 Month Term Share Certificate	3.80%	3.85%	12-17 Months
Details Silver Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Oct 19, 20263.85%▲ from 3.80% Oct 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
12 - 17 Month I.R.A. Term Certificate	3.75%	3.80%	12-17 Months
Details Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Sep 27, 20263.80%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
12 - 17 Month Term Share Certificate	3.75%	3.80%	12-17 Months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
18 - 23 Month I.R.A. Term Certificate	3.70%	3.75%	18-23 Months
Min Deposit $500 Details Gold Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 2 changes since Sep 18, 2026 · 3.39% → 3.75% ▲ 0.36 pts · high 3.75% / low 3.39% Oct 19, 20263.75%▲ from 3.70% Sep 27, 20263.70%▲ from 3.39% Sep 18, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
18 - 23 Month Term Share Certificate	3.70%	3.75%	18-23 Months
Min Deposit $500 Details Gold Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 19, 20263.75%▲ from 3.65% Oct 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
18 - 23 Month I.R.A. Term Certificate	3.65%	3.70%	18-23 Months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 3.39% → 3.70% ▲ 0.31 pts · high 3.70% / low 3.39% Sep 27, 20263.70%▲ from 3.39% Sep 18, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
18 - 23 Month Term Share Certificate	3.65%	3.70%	18-23 Months
Details Silver Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 19, 20263.70%▲ from 3.65% Oct 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
18 - 23 Month I.R.A. Term Certificate	3.60%	3.65%	18-23 Months
Details Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 3.39% → 3.65% ▲ 0.26 pts · high 3.65% / low 3.39% Sep 27, 20263.65%▲ from 3.39% Sep 18, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
18 - 23 Month Term Share Certificate	3.60%	3.65%	18-23 Months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
6 - 11 Month I.R.A. Term Certificate	3.60%	3.65%	6-11 Months
Min Deposit $500 Details Gold Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 19, 20263.65%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
6 - 11 Month Term Share Certificate	3.60%	3.65%	6-11 Months
Min Deposit $500 Details Gold Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 19, 20263.65%▲ from 3.55% Oct 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
6 - 11 Month I.R.A. Term Certificate	3.55%	3.60%	6-11 Months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
6 - 11 Month Term Share Certificate	3.55%	3.60%	6-11 Months
Details Silver Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 19, 20263.60%▲ from 3.55% Oct 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
6 - 11 Month I.R.A. Term Certificate	3.50%	3.55%	6-11 Months
Details Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
6 - 11 Month Term Share Certificate	3.50%	3.55%	6-11 Months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
24 - 35 Month I.R.A. Term Certificate	2.50%	2.52%	24-35 Months
Min Deposit $500 Details Gold Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 2.47% → 2.52% ▲ 0.05 pts · high 2.52% / low 2.47% Oct 19, 20262.52%▲ from 2.47% Sep 18, 20262.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
24 - 35 Month Term Share Certificate	2.50%	2.52%	24-35 Months
Min Deposit $500 Details Gold Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 2.42% → 2.52% ▲ 0.10 pts · high 2.52% / low 2.42% Oct 19, 20262.52%▲ from 2.42% Oct 14, 20262.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
24 - 35 Month I.R.A. Term Certificate	2.45%	2.47%	24-35 Months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
24 - 35 Month Term Share Certificate	2.45%	2.47%	24-35 Months
Details Silver Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 2.42% → 2.47% ▲ 0.05 pts · high 2.47% / low 2.42% Oct 19, 20262.47%▲ from 2.42% Oct 14, 20262.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
24 - 35 Month I.R.A. Term Certificate	2.40%	2.42%	24-35 Months
Details Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 2.42% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
24 - 35 Month Term Share Certificate	2.40%	2.42%	24-35 Months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 2.42% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
36 - 47 Month I.R.A. Term Certificate	2.40%	2.42%	36-47 Months
Min Deposit $500 Details Gold Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 2.37% → 2.42% ▲ 0.05 pts · high 2.42% / low 2.37% Oct 19, 20262.42%▲ from 2.37% Sep 18, 20262.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
36 - 47 Month Term Share Certificate	2.40%	2.42%	36-47 Months
Min Deposit $500 Details Gold Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 2.32% → 2.42% ▲ 0.10 pts · high 2.42% / low 2.32% Oct 19, 20262.42%▲ from 2.32% Oct 14, 20262.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
36 - 47 Month I.R.A. Term Certificate	2.35%	2.37%	36-47 Months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 2.37% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
36 - 47 Month Term Share Certificate	2.35%	2.37%	36-47 Months
Details Silver Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 2.32% → 2.37% ▲ 0.05 pts · high 2.37% / low 2.32% Oct 19, 20262.37%▲ from 2.32% Oct 14, 20262.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
36 - 47 Month I.R.A. Term Certificate	2.30%	2.32%	36-47 Months
Details Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 2.32% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
36 - 47 Month Term Share Certificate	2.30%	2.32%	36-47 Months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 2.32% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
48 - 59 Month I.R.A. Term Certificate	2.10%	2.12%	48-59 Months
Min Deposit $500 Details Gold Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 2.07% → 2.12% ▲ 0.05 pts · high 2.12% / low 2.07% Oct 19, 20262.12%▲ from 2.07% Sep 18, 20262.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
48 - 59 Month Term Share Certificate	2.10%	2.12%	48-59 Months
Min Deposit $500 Details Gold Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 2.02% → 2.12% ▲ 0.10 pts · high 2.12% / low 2.02% Oct 19, 20262.12%▲ from 2.02% Oct 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
48 - 59 Month I.R.A. Term Certificate	2.05%	2.07%	48-59 Months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 2.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
48 - 59 Month Term Share Certificate	2.05%	2.07%	48-59 Months
Details Silver Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 2.02% → 2.07% ▲ 0.05 pts · high 2.07% / low 2.02% Oct 19, 20262.07%▲ from 2.02% Oct 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
48 - 59 Month I.R.A. Term Certificate	2.00%	2.02%	48-59 Months
Details Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
48 - 59 Month Term Share Certificate	2.00%	2.02%	48-59 Months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
3 - 5 Month I.R.A. Term Certificate	1.10%	1.10%	3-5 Months
Min Deposit $500 Details Gold Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 1.05% → 1.10% ▲ 0.05 pts · high 1.10% / low 1.05% Oct 19, 20261.10%▲ from 1.05% Sep 18, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
3 - 5 Month Term Share Certificate	1.10%	1.10%	3-5 Months
Min Deposit $500 Details Gold Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 19, 20261.10%▲ from 1.00% Oct 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
60 Month I.R.A. Term Certificate	1.10%	1.10%	60 Months
Min Deposit $500 Details Gold Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History 1 change since Sep 18, 2026 · 1.05% → 1.10% ▲ 0.05 pts · high 1.10% / low 1.05% Oct 19, 20261.10%▲ from 1.05% Sep 18, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
60 Month Term Share Certificate	1.10%	1.10%	60 Months
Min Deposit $500 Details Gold Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 19, 20261.10%▲ from 1.00% Oct 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
3 - 5 Month I.R.A. Term Certificate	1.05%	1.05%	3-5 Months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
3 - 5 Month Term Share Certificate	1.05%	1.05%	3-5 Months
Details Silver Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 1.00% → 1.05% ▲ 0.05 pts · high 1.05% / low 1.00% Oct 19, 20261.05%▲ from 1.00% Oct 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
60 Month I.R.A. Term Certificate	1.05%	1.05%	60 Months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
60 Month Term Share Certificate	1.05%	1.05%	60 Months
Details Silver Rate Last Updated 10/19/2026 Rate History 1 change since Oct 14, 2026 · 1.00% → 1.05% ▲ 0.05 pts · high 1.05% / low 1.00% Oct 19, 20261.05%▲ from 1.00% Oct 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
3 - 5 Month I.R.A. Term Certificate	1.00%	1.00%	3-5 Months
Details Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
3 - 5 Month Term Share Certificate	1.00%	1.00%	3-5 Months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
60 Month I.R.A. Term Certificate	1.00%	1.00%	60 Months
Details Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
60 Month Term Share Certificate	1.00%	1.00%	60 Months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Term Certificate - Step-Up 18 - 18 month	0.65%	0.65%	18-18 months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 0.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
18 Month I.R.A. Term Certificate - Step-Up 18	0.60%	0.60%	18 Months
Details Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Ohio Educational Credit Union Savings Rates

Product	Rate	APY
Regular Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 and up Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Special Savings, Summer Reserve, Vacation & Holiday	0.05%	0.05%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 and up Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Share Savings	0.04%	0.04%
Min Deposit $100 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Regular Share Savings	0.04%	0.04%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Special Savings, Summer Reserve, Vacation & Holiday	0.04%	0.04%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 0.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Regular Share Savings	0.03%	0.03%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Special Savings, Summer Reserve, Vacation & Holiday	0.03%	0.03%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Regular Share Savings	0.02%	0.02%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Special Savings, Summer Reserve, Vacation & Holiday	0.02%	0.02%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Regular Share Savings	0.01%	0.01%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Special Savings, Summer Reserve, Vacation & Holiday	0.01%	0.01%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Ohio Educational Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.75%	0.75%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000.00 and up Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.75% ▲ 0.10 pts · high 0.75% / low 0.65% Oct 10, 20260.75%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Money Market	0.65%	0.65%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 0.55% → 0.65% ▲ 0.10 pts · high 0.65% / low 0.55% Oct 10, 20260.65%▲ from 0.55% Sep 14, 20260.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Money Market	0.45%	0.45%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.45% ▲ 0.10 pts · high 0.45% / low 0.35% Oct 10, 20260.45%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Money Market	0.35%	0.35%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25% Oct 10, 20260.35%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Ohio Educational Credit Union Checking Rates

Product	Rate	APY
Select Checking Account	0.01%	0.01%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000.00-$4,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Select Checking Account	0.01%	0.01%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Select Checking Account	0.01%	0.01%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Select Checking Account	0.01%	0.01%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 and up Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Ohio Educational Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - Line of Credit (Variable Rate)	6.49%	-	6.49%	20 Year Max.
Details Variable Rate (Based on Prime Rate + a margin. Refer to loan agreement for rate calculation.); Loan to Value <=80%; Prime Rate -0.51% (Minimum Rate of 3.25%); This rate may vary. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Sep 27, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Home Equity - Line of Credit (Fixed Rate)	6.99%	-	6.99%	15 Year Max.
Details Fixed Rate; Loan to Value <=80%; Maximum credit line is $199,000. Minimum required initial draw is $10,000. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.99% ▲ 1.00 pts · high 6.99% / low 5.99% Sep 22, 20266.99%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Home Equity - Line of Credit (Variable Rate)	7.50%	-	7.50%	20 Year Max.
Details Variable Rate (Based on Prime Rate + a margin. Refer to loan agreement for rate calculation.); Loan to Value > 80% and <= 85%; Prime Rate +0.50% (Minimum Rate of 3.25%); This rate may vary. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Sep 27, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Home Equity - Line of Credit (Variable Rate)	8.00%	-	8.00%	20 Year Max.
Details Variable Rate (Based on Prime Rate + a margin. Refer to loan agreement for rate calculation.); Loan to Value > 85% and <= 90%; Prime Rate +1.00% (Minimum Rate of 3.25%); This rate may vary. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Sep 27, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Non-Owner Occupied - Home Equity Line of Credit	10.00%	-	10.00%	20 Year Max.
Details Variable Rate (Based on Prime Rate + a margin. Refer to loan agreement for rate calculation.); Loan to Value <=65%; Prime Rate + 3.00% (Minimum Rate of 3.25%); This rate may vary. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Sep 27, 202610.00%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Ohio Educational Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - 2025 & Newer	4.99%	-	5.18%	up to 72 Months
Details Model Year: 2025 & Newer; Nominal Rate 4.99%; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account; eligible automobiles titled less than 12 months with less than 15,000 miles Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 6.05% → 5.18% ▼ 0.87 pts · high 6.31% / low 5.18% Oct 19, 20265.18%▼ from 6.31% Sep 27, 20266.31%▲ from 6.05% Sep 14, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto - 2024 & Newer	4.99%	-	5.21%	up to 72 Months
Details Model Year: 2024 & Newer; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 6.05% → 5.21% ▼ 0.84 pts · high 6.31% / low 5.21% Oct 14, 20265.21%▼ from 6.31% Sep 27, 20266.31%▲ from 6.05% Sep 14, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto Loan	4.99%	-	5.21%	up to 72 Months
Details Model Year: 2024 & Newer Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto - 2021-2023	4.99%	-	5.35%	up to 72 Months
Details Model Year: 2021-2023; Maximum loan term available only to OHecu members with Tier A+ or A credit; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto Loan	4.99%	-	5.35%	up to 72 Months
Details Model Year: 2021-2023; Maximum loan term available only to OHecu member with Tier A+ or A credit Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto - 2021-2023	4.99%	-	5.36%	up to 60 Months
Details Model Year: 2021-2023; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 6.26% → 5.36% ▼ 0.90 pts · high 6.51% / low 5.36% Oct 14, 20265.36%▼ from 6.51% Sep 27, 20266.51%▲ from 6.26% Sep 14, 20266.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto Loan	4.99%	-	5.36%	up to 60 Months
Details Model Year: 2021-2023 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto - 2019-2020	4.99%	-	5.70%	up to 60 Months
Details Model Year: 2019-2020; Maximum loan term available only to OHecu members with Tier A+ or A credit; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 5.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto Loan	4.99%	-	5.70%	up to 60 Months
Details Model Year: 2019-2020; Maximum loan term available only to OHecu member with Tier A+ or A credit Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto - 2019-2020	4.99%	-	5.75%	up to 48 Months
Details Model Year: 2019-2020; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 5.75% ▼ 0.75 pts · high 6.75% / low 5.75% Oct 14, 20265.75%▼ from 6.75% Sep 27, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto Loan	4.99%	-	5.75%	up to 48 Months
Details Model Year: 2019-2020 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Auto Loan - 2025 & Newer	5.99%	-	6.16%	73-84 Months
Details Model Year: 2025 & Newer; Nominal Rate 5.99%; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account; eligible automobiles titled less than 12 months with less than 15,000 miles Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.16% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto - 2024 & Newer	5.99%	-	6.19%	73-84 Months
Details Model Year: 2024 & Newer; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 6.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto Loan	5.99%	-	6.19%	73-84 Months
Details Model Year: 2024 & Newer Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
College Graduate Auto Program - New Auto - 2025 & Newer	5.99%	-	6.31%	up to 72 Months
Details For recent college graduates who are employable but do not yet have a job; Model Year: 2025 & Newer (new auto); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 22, 2026 · 6.05% → 6.31% ▲ 0.26 pts · high 6.31% / low 6.05% Oct 10, 20266.31%▲ from 6.05% Sep 22, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
College Graduate Auto Program - Used Auto - 2024 & Newer	5.99%	-	6.31%	up to 72 Months
Details For recent college graduates who are employable but do not yet have a job; Model Year: 2024 & Newer (used auto); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 22, 2026 · 6.05% → 6.31% ▲ 0.26 pts · high 6.31% / low 6.05% Oct 10, 20266.31%▲ from 6.05% Sep 22, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
College Graduate Auto Program - Used Auto - 2021-2023	5.99%	-	6.51%	up to 60 Months
Details For recent college graduates who are employable but do not yet have a job; Model Year: 2021-2023 (used auto); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 22, 2026 · 6.26% → 6.51% ▲ 0.25 pts · high 6.51% / low 6.26% Oct 10, 20266.51%▲ from 6.26% Sep 22, 20266.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
College Graduate Auto Program - Used Auto - 2019-2020	5.99%	-	6.75%	up to 48 Months
Details For recent college graduates who are employable but do not yet have a job; Model Year: 2019-2020 (used auto); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 22, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 10, 20266.75%▲ from 6.50% Sep 22, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto - 2017-2018	5.99%	-	6.94%	up to 48 Months
Details Model Year: 2017-2018; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 7.70% → 6.94% ▼ 0.76 pts · high 7.95% / low 6.94% Oct 14, 20266.94%▼ from 7.95% Sep 27, 20267.95%▲ from 7.70% Sep 14, 20267.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto Loan	5.99%	-	6.94%	up to 48 Months
Details Model Year: 2017-2018 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
College Graduate Auto Program - Used Auto - 2017-2018	6.99%	-	7.95%	up to 48 Months
Details For recent college graduates who are employable but do not yet have a job; Model Year: 2017-2018 (used auto); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 22, 2026 · 7.70% → 7.95% ▲ 0.25 pts · high 7.95% / low 7.70% Oct 10, 20267.95%▲ from 7.70% Sep 22, 20267.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto - 2016 & Older	6.99%	-	8.14%	up to 48 Months
Details Model Year: 2016 & Older; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 8.90% → 8.14% ▼ 0.76 pts · high 9.15% / low 8.14% Oct 14, 20268.14%▼ from 9.15% Sep 27, 20269.15%▲ from 8.90% Sep 14, 20268.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Auto Loan	6.99%	-	8.14%	up to 48 Months
Details Model Year: 2016 & Older Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 8.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
College Graduate Auto Program - Used Auto - 2016 & Older	7.99%	-	9.15%	up to 48 Months
Details For recent college graduates who are employable but do not yet have a job; Model Year: 2016 & Older (used auto); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 22, 2026 · 8.90% → 9.15% ▲ 0.25 pts · high 9.15% / low 8.90% Oct 10, 20269.15%▲ from 8.90% Sep 22, 20268.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Ohio Educational Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat - 2025 & Newer Loan	6.00%	6.05%	180 Months
Details Up to $100,000 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 5.80% → 6.05% ▲ 0.25 pts · high 6.05% / low 5.80% Sep 27, 20266.05%▲ from 5.80% Sep 14, 20265.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Recreational Vehicle - 2025 & Newer Loan	6.00%	6.05%	180 Months
Details Up to $150,000 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 5.80% → 6.05% ▲ 0.25 pts · high 6.05% / low 5.80% Sep 27, 20266.05%▲ from 5.80% Sep 14, 20265.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Boat - 2017 & Newer Loan	6.50%	6.55%	180 Months
Details Up to $100,000 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.30% → 6.55% ▲ 0.25 pts · high 6.55% / low 6.30% Sep 27, 20266.55%▲ from 6.30% Sep 14, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Recreational Vehicle - 2017 & Newer Loan	6.50%	6.55%	180 Months
Details Up to $100,000 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.30% → 6.55% ▲ 0.25 pts · high 6.55% / low 6.30% Sep 27, 20266.55%▲ from 6.30% Sep 14, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Boat - 2025 & Newer Loan	6.50%	6.60%	120 Months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.35% → 6.60% ▲ 0.25 pts · high 6.60% / low 6.35% Sep 27, 20266.60%▲ from 6.35% Sep 14, 20266.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Recreational Vehicle - 2025 & Newer Loan	6.50%	6.60%	120 Months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.35% → 6.60% ▲ 0.25 pts · high 6.60% / low 6.35% Sep 27, 20266.60%▲ from 6.35% Sep 14, 20266.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Motorcycle - 2025 & Newer Loan	6.49%	6.96%	up to 60 Months
Details No down payment required; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.71% → 6.96% ▲ 0.25 pts · high 6.96% / low 6.71% Sep 27, 20266.96%▲ from 6.71% Sep 14, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Boat - 2017 & Newer Loan	7.00%	7.10%	120 Months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.85% → 7.10% ▲ 0.25 pts · high 7.10% / low 6.85% Sep 27, 20267.10%▲ from 6.85% Sep 14, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Recreational Vehicle - 2017 & Newer Loan	7.00%	7.10%	120 Months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.85% → 7.10% ▲ 0.25 pts · high 7.10% / low 6.85% Sep 27, 20267.10%▲ from 6.85% Sep 14, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Boat - 2025 & Newer Loan	7.00%	7.23%	72 Months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.98% → 7.23% ▲ 0.25 pts · high 7.23% / low 6.98% Sep 27, 20267.23%▲ from 6.98% Sep 14, 20266.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Recreational Vehicle - 2025 & Newer Loan	7.00%	7.23%	72 Months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 6.98% → 7.23% ▲ 0.25 pts · high 7.23% / low 6.98% Sep 27, 20267.23%▲ from 6.98% Sep 14, 20266.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Motorcycle - 2017 & Newer Loan	6.99%	7.46%	up to 60 Months
Details No down payment required; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 7.21% → 7.46% ▲ 0.25 pts · high 7.46% / low 7.21% Sep 27, 20267.46%▲ from 7.21% Sep 14, 20267.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Boat - 2017 & Newer Loan	7.50%	7.73%	72 Months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 7.48% → 7.73% ▲ 0.25 pts · high 7.73% / low 7.48% Sep 27, 20267.73%▲ from 7.48% Sep 14, 20267.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Used Recreational Vehicle - 2017 & Newer Loan	7.50%	7.73%	72 Months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 7.48% → 7.73% ▲ 0.25 pts · high 7.73% / low 7.48% Sep 27, 20267.73%▲ from 7.48% Sep 14, 20267.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Other Titled - 2025 & Newer (ATVs, Personal Watercraft, Trailers, etc.) Loan	7.75%	8.38%	up to 60 Months
Details No down payment required; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 8.13% → 8.38% ▲ 0.25 pts · high 8.38% / low 8.13% Sep 27, 20268.38%▲ from 8.13% Sep 14, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Other Titled - 2017 & Newer (ATVs, Personal Watercraft, Trailers, etc.) Loan	8.25%	8.88%	up to 60 Months
Details No down payment required; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 8.63% → 8.88% ▲ 0.25 pts · high 8.88% / low 8.63% Sep 27, 20268.88%▲ from 8.63% Sep 14, 20268.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Ohio Educational Credit Union Personal Loan Rates

Product	APR	Term
New Other Titled - 2025 & Newer (ATVs, Personal Watercraft, Trailers, etc.) Loan	8.38%	up to 60 Months
Details No down payment required; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 8.13% → 8.38% ▲ 0.25 pts · high 8.38% / low 8.13% Sep 27, 20268.38%▲ from 8.13% Sep 14, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
New Other Titled - 2017 & Newer (ATVs, Personal Watercraft, Trailers, etc.) Loan	8.88%	up to 60 Months
Details No down payment required; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 8.63% → 8.88% ▲ 0.25 pts · high 8.88% / low 8.63% Sep 27, 20268.88%▲ from 8.63% Sep 14, 20268.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Personal Term Loan	9.20%	up to 60 Months
No additional details. Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 9.20% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Personal Line-of-Credit Loan	14.73%
No additional details. Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 14.73% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Ohio Educational Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
I.R.A. Step-Up 18	0.70%	-	0.70%	18 Months
Min Deposit $500 Details Gold Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education) Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Term Certificate - 12-17 Months	3.80%	-	3.85%	12-17 months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Term Certificate - 18-23 Months	3.65%	-	3.70%	18-23 months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Term Certificate - 24-35 Months	2.45%	-	2.47%	24-35 months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 2.47% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Term Certificate - 3-5 Months	1.05%	-	1.05%	3-5 months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Term Certificate - 36-47 Months	2.35%	-	2.37%	36-47 months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 2.37% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Term Certificate - 48-59 Months	2.05%	-	2.07%	48-59 months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 2.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Term Certificate - 6-11 Months	3.55%	-	3.60%	6-11 months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
I.R.A. Term Certificate - 60 Months	1.05%	-	1.05%	60 Months
Details Silver Rate; Rates apply to all IRA Plan Types (Regular, Roth & Education); Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Step-Up 18	0.70%	-	0.70%	18 Months
Min Deposit $500 Details Gold Rate Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 0.70% → 0.70% ▼ 0.00 pts · high 0.70% / low 0.65% Oct 19, 20260.70%▲ from 0.65% Oct 14, 20260.65%▼ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Step-Up 18	0.65%	-	0.65%	18 Months
Details Silver Rate Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 0.70% → 0.65% ▼ 0.05 pts · high 0.70% / low 0.65% Oct 14, 20260.65%▼ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Step-Up 18	0.60%	-	0.60%	18 Months
Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Term Share Certificates - 12-17 Months	3.80%	-	3.85%	12-17 months
Details Silver Rate; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Term Share Certificates - 18-23 Months	3.65%	-	3.70%	18-23 months
Details Silver Rate; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Term Share Certificates - 24-35 Months	2.45%	-	2.47%	24-35 months
Details Silver Rate; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 2.47% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Term Share Certificates - 3-5 Months	1.05%	-	1.05%	3-5 months
Details Silver Rate; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Term Share Certificates - 36-47 Months	2.35%	-	2.37%	36-47 months
Details Silver Rate; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 2.37% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Term Share Certificates - 48-59 Months	2.05%	-	2.07%	48-59 months
Details Silver Rate; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 2.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Term Share Certificates - 6-11 Months	3.55%	-	3.60%	6-11 months
Details Silver Rate; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Term Share Certificates - 60 Months	1.05%	-	1.05%	60 Months
Details Silver Rate; Effective Date: Monday, October 19th, 2026 Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

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.
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Financial Health History

Ohio Educational Credit Union’s Texas Ratio rose from 0.26% in Q3 2023 to 1.37% in Q2 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
June 30, 2026	$157M	1.37%	5.0	A+
March 31, 2026	$158M	0.69%	5.0	A+
December 31, 2025	$155M	1.06%	5.0	A+
September 30, 2025	$154M	0.89%	5.0	A+
June 30, 2025	$154M	0.79%	5.0	A+
March 31, 2025	$152M	1.41%	5.0	A+
December 31, 2024	$147M	2.53%	5.0	A+
September 30, 2024	$147M	2.32%	5.0	A+
June 30, 2024	$150M	0.84%	5.0	A+
March 31, 2024	$149M	0.90%	5.0	A+
December 31, 2023	$149M	1.64%	5.0	A+
September 30, 2023	$153M	0.26%	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 Ohio Educational 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 Ohio Educational 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 Ohio Educational Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ohio Educational Credit Union

Website https://ohecu.com

Address 4141 Rockside Rd Ste 400, Seven Hills, OH 44131

Phone 216-621-6296

Fax 216-621-7150

President Tony Smith

CEO Jerome Valco

Full-Time Employees 42

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.37%

Return on Assets (ROA)

0.2454%

Return on Equity (ROE)

2.9364%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

156,519,149

Total Amount of Shares and Deposits

140,942,168

Total Shares and Deposits < 1 Year

138,607,322

Total Shares and Deposits 1 3 Years

2,069,586

Total Shares and Deposits > 3 Years

265,259

Total Interest Expense (Sum of items 6 8)

389,573

Share Certificates

859

Number of Accounts for Share Drafts

5,309

IRA KEOGH Accounts

343

Number of Accounts for Regular Shares

16,848

Money Market Shares

499

Net Income (unless the amount is already included in Undivided Earnings)

384,026

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)

7,278,141

Total Liabilities

145,136,324

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Ohio Educational 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.

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

Customer Reviews

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Frequently Asked Questions About Ohio Educational Credit Union

Does Ohio Educational Credit Union offer CDs?

Yes. Ohio Educational Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Ohio Educational Credit Union NCUA insured?

No. Ohio Educational Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account.

What is the highest CD rate at Ohio Educational Credit Union?

The highest CD rate MonitorBankRates has verified for Ohio Educational Credit Union is 3.91% APY on its 12 - 17 Month I.R.A. Term CD, as of October 19, 2026.

What CD terms does Ohio Educational Credit Union offer?

The Ohio Educational Credit Union CD terms we track include 11 month, 12 month, 17 month, 18 month, 23 month, 2 year and 5 year terms, with rates from 3.65% to 3.91% APY. The institution may offer other terms or specials that are not listed here, so check with Ohio Educational Credit Union for its full lineup.

What is the highest savings rate at Ohio Educational Credit Union?

The highest savings rate MonitorBankRates has verified for Ohio Educational Credit Union is 0.05% APY on its Regular Savings, as of October 19, 2026.

What is the highest money market rate at Ohio Educational Credit Union?

The highest money market rate MonitorBankRates has verified for Ohio Educational Credit Union is 0.75% APY on its Money Market, as of October 19, 2026.

What is the highest checking rate at Ohio Educational Credit Union?

The highest checking rate MonitorBankRates has verified for Ohio Educational Credit Union is 0.01% APY on its Select Checking Account, as of October 19, 2026.

What is the lowest auto loan rate at Ohio Educational Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Ohio Educational Credit Union is 4.99% rate on its New Auto Loan - 2025 & Newer, as of October 19, 2026.

What is the lowest personal loan rate at Ohio Educational Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Ohio Educational Credit Union is 7.75% rate on its New Other Titled - 2025 & Newer (ATVs, Personal Watercraft, Trailers, etc.) Loan, as of October 19, 2026.

How many branches does Ohio Educational Credit Union operate?

Ohio Educational 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 Ohio Educational Credit Union?

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

Does Ohio Educational Credit Union offer online and mobile banking?

Most modern institutions like Ohio Educational 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://ohecu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Ohio Educational Credit Union rates compare?

Ohio Educational Credit Union's top rates are 3.91% APY on its 12 - 17 Month I.R.A. Term CD, 0.05% APY on savings, 0.75% APY on money market, 0.01% APY on checking and RV, Boat and Powersport Loans from 8.38% APR, verified by MonitorBankRates on October 19, 2026. To compare Ohio Educational Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.

Current Ohio Educational Credit Union Rates

12-Month CD3.55%
18-Month CD0.60%
24-Month CD3.65%
60-Month CD1.00%
Savings0.05%
MMA0.75%

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

Compare to Other Credit Unions

Ohio Educational Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ohio Educational Credit Union Texas Ratio

Ohio Educational Credit Union Health Trend

Ohio Educational Credit Union CD Rates

Ohio Educational Credit Union Savings Rates

Ohio Educational Credit Union Money Market Rates

Ohio Educational Credit Union Checking Rates

Ohio Educational Credit Union Home Equity & HELOC

Ohio Educational Credit Union Auto Loan Rates

Ohio Educational Credit Union RV, Boat and Powersport Loan Rates

Ohio Educational Credit Union Personal Loan Rates

Ohio Educational Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ohio Educational Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ohio Educational Credit Union

Does Ohio Educational Credit Union offer CDs?

Are CDs from Ohio Educational Credit Union NCUA insured?

What is the highest CD rate at Ohio Educational Credit Union?

What CD terms does Ohio Educational Credit Union offer?

What is the highest savings rate at Ohio Educational Credit Union?

What is the highest money market rate at Ohio Educational Credit Union?

What is the highest checking rate at Ohio Educational Credit Union?

What is the lowest auto loan rate at Ohio Educational Credit Union?

What is the lowest personal loan rate at Ohio Educational Credit Union?

How many branches does Ohio Educational Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ohio Educational Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Ohio Educational Credit Union rates compare?

Current Ohio Educational Credit Union Rates

Compare to Other Credit Unions