Educational Employees Credit Union


P.o. Box 5242
Fresno, CA 93755
See all branch locations →

Phone 1-559-437-7700

Notable Rates APY Vs.Others
Savings 0.15% 3.50% →
1-Year CD 0.85% 3.70% →
2-Year CD 0.95% 3.80% →
5-Year CD N.A. 4.25% →
30-Year Mortgage 7.17% 6.31% →
15-Year Mortgage 6.71% 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Educational Employees is an NCUA insured institution located in Fresno, CA. It was founded in 1934 and has approximately $4784.52 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 $4,784.52 million
Loans $1,591.95 million
Deposits $4,347.92 million
Capital $493.56 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 - October 1, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.70% $10,000 $14,999 Learn More
6 Mo CD
0.80% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.95% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.55% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 1, 2022

Your Current Location: California, CA 92111

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
5 Year 2.49% 2.49% $443.57
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

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.



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:
San Diego,California

Educational Employees Locations

Climate 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.

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
0.52% 4.75

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 March 31, 2022, Educational Employees had $2,529,812 in non-current loans and $80,360 in owned assets. To cover these potential losses it had $493,557,608 in net worth and $11,206,424 in loans loss reserves. That gives it a Texas Ratio of 0.52%.

Net Worth
Educational Employees U.S. Average
10.32% 12.28%

Educational Employees FCU has a net worth of 10.32% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.


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