--- title: "Education First Credit Union, Inc. Rates - Ohio" description: "Current auto loan, personal loan, and savings & cd rates from Education First Credit Union, Inc. in Ohio. Updated daily with source verification. See who can join Education First Credit Union, Inc. — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/ohio/education-first-credit-union-inc" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Education First Credit Union, Inc. Rates - Ohio ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.240% | — | Standard | | **Up to 66-Month Auto Loan (2022–2024)** auto_any_66mo | — APR | 5.240% | 66 mo | Standard | | **Up to 66-Month Auto Loan (2025–2026)** auto_any_66mo | — APR | 5.240% | 66 mo | Standard | | **Up to 66-Month Auto Loan (2019–2021)** auto_any_66mo | — APR | 5.990% | 66 mo | Standard | Education First Credit Union, Inc. auto & vehicle rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Debt Consolidation ($2,500 – $4,999 / up to 36 Months)** personal_unsecured_36mo | — APR | 9.990% | 36 mo | Standard | | **Debt Consolidation ($5,000-$7,499 / up to 48 Months)** personal_unsecured_48mo | — APR | 9.990% | 48 mo | Standard | | **Debt Consolidation ($1,000-$2,499 / up to 24 Months)** personal_unsecured_24mo | — APR | 9.990% | 24 mo | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.990% | — | Standard | | **Debt Consolidation ($7,500 and over / up to 60 Months)** personal_unsecured_60mo | — APR | 9.990% | 60 mo | Standard | | **Home Improvement Loan ($1,000 – $15,000 / Up to 84 months)** personal_unsecured_84mo | — APR | 10.490% | 84 mo | Standard | Education First Credit Union, Inc. personal loan rates as of November 12, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Savings ($5+)** share_savings | — APY | 0.05% | — | Standard | | **IRA ($5+)** ira | — APY | 0.05% | — | Standard | | **Holiday Savings Account** savings | — APY | 0.05% | — | Specialty offer | Education First Credit Union, Inc. savings & cd rates as of November 12, 2026 Education First Credit Union, Inc. is a credit union in Ohio. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/ohio/education-first-credit-union-inc) , verified from [Education First Credit Union, Inc.'s official website](https://www.educu.org/) Loading branch locator… ## About Education First Credit Union, Inc. Institution facts reported to the National Credit Union Administration for Invalid Date. Members 12.1K Assets $149.1M Founded 1936 Locations reported 3 NCUA charter 68447 Charter type Federally insured state-chartered 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 - First-time homebuyer program - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Telhio** Telhio Credit Union · Columbus · OH · 43215-3931 Branch in the same ZIP](https://rateapi.dev/credit-unions/ohio/telhio) [**Credit Union of Ohio** Downtown Office · Columbus · OH · 43215 About 0.9 miles away](https://rateapi.dev/credit-unions/ohio/credit-union-of-ohio) [**Firestone** CU-Centric Back up · Columbus · OH · 43215-1300 About 0.9 miles away](https://rateapi.dev/credit-unions/ohio/firestone) [**Greater Wayne Community** CU Centric · Columbus · OH · 43215 About 0.9 miles away](https://rateapi.dev/credit-unions/ohio/greater-wayne-community) [**Hancock School Emp.** CU Centric · Columbus · OH · 43215-1346 About 0.9 miles away](https://rateapi.dev/credit-unions/west-virginia/hancock-school-emp) [**Noteworthy** Vital Records · Columbus · OH · 43215 About 0.9 miles away](https://rateapi.dev/credit-unions/ohio/noteworthy) 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, Inc. Membership eligibility from Education First Credit Union, Inc.'s own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Education First Credit Union, Inc.'s website. Check the membership page below to confirm whether you qualify. - Location franklin — OH Verified from [Education First Credit Union, Inc.'s membership page](https://www.educu.org/about-efcu/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Education First Credit Union, Inc. Geography 1 county · Employers 2 · Schools · Family 2 9 published paths to membership, last verified August 27, 2026, quoted from Education First Credit Union, Inc.’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Franklin County, OH “Eligibility also includes if you live, work, worship, or attend school in Franklin and surrounding counties.” > [source ↗](https://www.educu.org/about-efcu/membership/) ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Belongs to school (as written on the source page) “Current or retired school employees” > [source ↗](https://www.educu.org/about-efcu/membership/) - Employee of school (class, not a named organization) - Belongs to school (as written on the source page) “Current or retired school employees” > [source ↗](https://www.educu.org/about-efcu/membership/) - Retiree of school (class, not a named organization) ### Schools 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Belongs to college (as written on the source page) “A college student attending school in Ohio” > [source ↗](https://www.educu.org/about-efcu/membership/) - Student at college (class, not a named organization) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, parent, sibling, children, grandparents, grandchildren, stepparent, stepchildren, step siblings, in-laws “Immediate family members of an Education First Credit Union member” > [source ↗](https://www.educu.org/about-efcu/membership/) - Family member (spouse, parent, sibling, children, grandparents, grandchildren, stepparent, stepchildren, step siblings, in-laws) of a member - Family of a member immediate family “Immediate family members of an Education First Credit Union member” > [source ↗](https://www.educu.org/about-efcu/membership/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Education First Credit Union, Inc.? Yes No ## Work at Education First Credit Union, Inc.? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Education First Credit Union, Inc. ranks against Ohio peers. - See which AI assistants fetched Education First Credit Union, Inc.’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Ohio - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=education-first-credit-union-inc&state=ohio&code=OH&name=Education%20First%20Credit%20Union%2C%20Inc.) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Education First Credit Union, Inc. offer? Education First Credit Union, Inc. currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Education First Credit Union, Inc. rates updated? RateAPI verifies Education First Credit Union, Inc.'s rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Education First Credit Union, Inc.'s rate data? Rate data is collected directly from Education First Credit Union, Inc.'s official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Education First Credit Union, Inc.? Education First Credit Union, Inc. publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 1 county, 2 employers and 1 school for Education First Credit Union, Inc., each quoted from Education First Credit Union, Inc.'s own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Education First Credit Union, Inc.'s rates against national credit-union benchmarks. [More Ohio credit unions](https://rateapi.dev/credit-unions/ohio) [Ohio auto loan rate leaders](https://rateapi.dev/auto-loan-rates/ohio) [Ohio personal loan leaders](https://rateapi.dev/personal-loan-rates/ohio) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.educu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Education First Credit Union, Inc. rates Get a free API key to query these rates programmatically, or get the daily email when Ohio credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Education First Credit Union, Inc. curl "https://api.rateapi.dev/credit-unions/ohio /education-first-credit-union-inc " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Education First Credit Union, Inc. locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/ohio/education-first-credit-union-inc Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp