Education First Credit Union
Verified rate book
Current Education First Credit Union rates
17 published offers verified as of August 4, 2026.
Mortgage rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.000% APR | 6.000% | — | Standard |
| 15-Year Fixed15 year fixed | 5.500% APR | 5.500% | — | Standard |
| 10-Year Fixed10 year fixed | 5.250% APR | 5.250% | — | Standard |
| 20-Year Fixed20 year fixed | 5.750% APR | 5.750% | — | Standard |
| Home Loanother | 5.536% APR | 5.536% | — | Standard |
| Construction Loan Rates (12 Months)other | 6.500% APR | 6.500% | — | Standard |
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 3.500% APR | 3.500% | — | Standard |
| Recreationalpowersports | 4.500% APR | 4.500% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Certificate Secured for 6 – 36 monthspersonal_secured_36mo | 2.000% APR | 2.000% | 36 mo | Standard |
| Share Certificate Secured for 37 – 60 monthspersonal_secured_60mo | 3.000% APR | 3.000% | 60 mo | Standard |
| Share-Secured Loanpersonal_secured | 3.000% APR | 3.000% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 11.500% APR | 11.500% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 3.990% APR | 3.990% | — | Advertised floor |
Savings & CD rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 120-Month Certificatecd_120mo | 5.25% APY | 5.25% | 120 mo | Standard |
| 60-Month Certificatecd_60mo | 5.25% APY | 5.25% | 60 mo | Standard |
| 180 Monthssavings | 5.50% APY | 5.50% | — | Standard |
| 240 Monthssavings | 5.75% APY | 5.75% | — | Standard |
As of August 4, 2026, Education First Credit Union offers a 30-year fixed mortgage at 6% APR. Vehicle loans available from 3.5% APR. Personal loan rates from 2% APR. Savings and certificate yields up to 5.75% APY.
Source: RateAPI.dev, verified from Education First Credit Union's official website
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About Education First Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 32.6K
- Assets
- $589.9M
- Founded
- 1952
- Locations reported
- 10
- NCUA charter
- 24470
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Education First Credit Union
Membership eligibility from Education First Credit Union's own published criteria. How we verify this.
Membership via employers (East Chambers Independent School District +1 more)
- LocationAngelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Tyler, Trinity
- EmployerEast Chambers Independent School District, High Island Independent School District
Verified from Education First Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Education First Credit Union?
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Frequently Asked Questions
What rates does Education First Credit Union offer?
Education First Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Education First Credit Union rates updated?
RateAPI verifies Education First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Education First Credit Union's rate data?
Rate data is collected directly from Education First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Education First Credit Union's mortgage rate?
As of August 4, 2026, Education First Credit Union offers a 30-year fixed mortgage at 6% APR.
What are Education First Credit Union's auto & powersports loan rates?
As of August 4, 2026, Education First Credit Union offers vehicle loans from 3.5% APR.
What is Education First Credit Union's personal loan rate?
As of August 4, 2026, Education First Credit Union offers personal loans from 2% APR.
What is Education First Credit Union's best CD rate?
As of August 4, 2026, Education First Credit Union offers savings and certificate (CD) yields up to 5.75% APY.
Related Rate Data
Compare Education First Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Education First Credit Union rates
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# Get rates for Education First Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/education-first" \
-H "Authorization: Bearer YOUR_API_KEY"