Education 1st Credit Union
Headquarters
1250 Country Hills Dr
Ogden, UT 84403
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2024 Overview
General Credit Union Information
Education 1st is an NCUA insured institution located in Ogden, UT. It was founded in 1932 and has approximately $47.53 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67127 |
| Date Established | 1932 |
| Assets | $47.53 million |
| Loans | $41.45 million |
| Deposits | $42.50 million |
| Capital | $4.89 million |
Field of Membership Restrictions
You're eligible to join Education First Federal Credit Union if you meet one of these criteria:
You live, work, worship, volunteer, or attend school in the following counties: Hardin, Jasper, Jefferson, Newton, Orange, and Tyler.
You are a current or retired employee of the East Chambers or High Island Independent School Districts.
You are a family member of an Education First member (e.g., spouse, children, parents, sibling).
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.76% | $500 | - |
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|
| 12 Mo CD
|
0.90% | $500 | - |
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|
| 18 Mo CD
|
0.70% | $500 | - |
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|
| 24 Mo CD
|
1.21% | $500 | - |
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|
| 36 Mo CD
|
1.41% | $500 | - |
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|
| 60 Mo CD
|
1.76% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Education 1st
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
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More Info |
Note to Education 1st
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Branches
Below are Education 1st 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
EDUCATION 1ST 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
Education 1st Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Education 1st. 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
| Education 1st | U.S. Average |
|---|---|
| 2.95% | 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, Education 1st had $122,783 in non-current loans and $24,612 in owned assets. To cover these potential losses it had $4,889,630 in net worth and $99,868 in loans loss reserves. That gives it a Texas Ratio of 2.95%.
Net Worth
| Education 1st | U.S. Average |
|---|---|
| 10.29% | 13.62% |
Education 1st FCU has a net worth of 10.29% 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 Education 1st
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