Educational Employees Credit Union
Headquarters
P.o. Box 5242
Fresno, CA 93755
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Phone 1-559-437-7700
2024 Overview
General Credit Union Information
Educational Employees is an NCUA insured institution located in Fresno, CA. It was founded in 1934 and has approximately $4647.76 millions in assets.
Who can join?
If you are connected to education (pre-school through college) as a school employee, student, or a member of a school organization in any of the 10 counties EECU serves*, or related to anyone who is, or you are employed by St. Agnes Hospital in Fresno, CA (including those paid by Trinity Health), you’re probably eligible to join EECU.
EECU serves the following counties: Fresno, Kings, Tulare, Merced, Madera, Mariposa, Inyo, San Luis Obispo, San Benito and Monterey.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60520 |
| Date Established | 1934 |
| Assets | $4,647.76 million |
| Loans | $2,118.19 million |
| Deposits | $4,061.81 million |
| Capital | $590.70 million |
Field of Membership Restrictions
Membership in Educational Employees Credit Union is open to employees, retirees, students, or members of school organizations in Fresno, Tulare, Kings, Merced, Mariposa, Madera, Inyo, San Benito, San Luis Obispo or Monterey Counties in California and their relatives. Membership is also open to employees of St. Agnes Hospital in Fresno, California.
Deposit Rates - May 10, 2024
Your Current Location: Ohio, OH 43085
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 91 Day
|
2.63% | $500 | $9,999 |
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|
| 91 Day
|
2.68% | $10,000 | $49,999 |
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|
| 91 Day
|
2.73% | $50,000 | $99,999 |
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|
| 91 Day
|
2.78% | $100,000 | - |
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|
| 6 Month
|
2.99% | $500 | $9,999 |
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|
| 6 Mo CD
|
3.04% | $10,000 | $49,999 |
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|
| 6 Month
|
3.09% | $50,000 | $99,999 |
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|
| 6 Mo CD
|
3.14% | $100,000 | - |
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|
| 1 Year
|
3.25% | $500 | $9,999 |
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|
| 12 Mo CD
|
3.30% | $10,000 | $49,999 |
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|
| 1 Year
|
3.35% | $50,000 | $99,999 |
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|
| 12 Mo CD
|
3.40% | $100,000 | - |
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|
| 18 Month
|
3.30% | $500 | $9,999 |
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|
| 18 Mo CD
|
3.35% | $10,000 | $49,999 |
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|
| 18 Month
|
3.40% | $50,000 | $99,999 |
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|
| 18 Mo CD
|
3.45% | $100,000 | - |
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|
| 2 Year
|
3.40% | $500 | $9,999 |
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|
| 24 Mo CD
|
3.45% | $10,000 | $49,999 |
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|
| 2 Year
|
3.51% | $50,000 | $99,999 |
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|
| 24 Mo CD
|
3.56% | $100,000 | - |
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|
| 3 Year
|
3.45% | $500 | $9,999 |
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|
| 36 Mo CD
|
3.51% | $10,000 | $49,999 |
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|
| 3 Year
|
3.56% | $50,000 | $99,999 |
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|
| 36 Mo CD
|
3.61% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.40% | $0 | - | Learn More |
Loan Rates - May 10, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
4.25% | 4.25% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 2.49% | 2.49% | $443.57 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.71% | 6.63% | $2,809.58 | |
| 30 Year Fixed Conforming See Amortization Table |
7.17% | 7.13% | $2,155.90 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.71% | 6.63% | $2,809.58 | |
| 30 Year Fixed Conforming See Amortization Table |
7.17% | 7.13% | $2,155.90 | |
Compare with 6.553% APR and 6.375% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Educational Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
EDUCATIONAL EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Educational Employees Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Educational Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Educational Employees | U.S. Average |
|---|---|
| 1.37% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Educational Employees had $8,129,065 in non-current loans and $157,079 in owned assets. To cover these potential losses it had $590,698,869 in net worth and $13,222,412 in loans loss reserves. That gives it a Texas Ratio of 1.37%.
Net Worth
| Educational Employees | U.S. Average |
|---|---|
| 12.69% | 13.62% |
Educational Employees FCU has a net worth of 12.69% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Educational Employees
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