--- title: "Education Credit Union Rates (Nov 2026): CDs to 4.25%" description: "Education Credit Union rates today: savings & CDs up to 4.25% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Education Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/education" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Education Credit Union Rates (Nov 2026): CDs to 4.25% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New/Used 2026 to 2022 Year Old Models** auto_any_60mo | — APR | 4.990% | 60 mo · any | Standard | | **New/Used 2026 to 2022 Year Old Models** auto_any_84mo | — APR | 5.500% | 84 mo · any | Standard | Education Credit Union auto & vehicle rates as of November 13, 2026 ### Savings & CD rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Additional Savings (Monthly)** savings | 0.05% APY | 0.05% | — | Standard | | **Interest Checking, Golden Apple Checking, Red Apple Checking (Monthly)** checking | 0.05% APY | 0.05% | — | Standard | | **Standard Rate: $1,000 and up** savings | 0.10% APY | 0.10% | — | Standard | | **Additional Savings (Monthly)** savings | 0.10% APY | 0.10% | — | Standard | | **Share Savings (Monthly)** share_savings | 0.15% APY | 0.15% | — | Standard | | **Additional Savings (Monthly)** savings | 0.15% APY | 0.15% | — | Standard | | **Share Savings (Monthly)** share_savings | 0.20% APY | 0.20% | — | Standard | | **Share Savings (Monthly)** share_savings | 0.25% APY | 0.25% | — | Standard | | **Share Savings (Monthly)** share_savings | 0.30% APY | 0.30% | — | Standard | | **60-Month Certificate** cd_60mo | 2.50% APY | 2.50% | 60 mo | Standard | | **6-Month Certificate** cd_6mo | 3.75% APY | 3.75% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | 4.00% APY | 4.00% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | 4.15% APY | 4.15% | 24 mo | Standard | | **Bonus Rate: $75,000 and below** savings | 4.25% APY | 4.25% | — | Standard | | **36-Month Certificate** cd_36mo | 4.25% APY | 4.25% | 36 mo | Standard | Education Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 4.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/education) , verified from [Education Credit Union's official website](https://www.educationcu.com/) Loading branch locator… ## About Education Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 41.6K Assets $474M Founded 1935 Locations reported 12 NCUA charter 67494 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 - Bilingual services - Student scholarships 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. [**ACFCU** Western · Amarillo · TX · 79110 About 1.4 miles away](https://rateapi.dev/credit-unions/texas/acfcu) [**Access Community** Paramount Financial Center · Amarillo · TX · 79109 About 1.6 miles away](https://rateapi.dev/credit-unions/texas/access-community) [**Texas Plains** Amarillo Branch · Amarillo · TX · 79118-5262 About 1.8 miles away](https://rateapi.dev/credit-unions/texas/texas-plains) [**The People's** Hill · Amarillo · TX · 79109-7460 About 2.3 miles away](https://rateapi.dev/credit-unions/texas/the-peoples) [**Santa Fe** Hillside Branch · Amarillo · TX · 79119 About 2.6 miles away](https://rateapi.dev/credit-unions/texas/santa-fe) [**City** CITY FEDERAL CREDIT UNION · AMARILLO · TX · 79101-3637 About 4.0 miles away](https://rateapi.dev/credit-unions/texas/city) 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 Credit Union Membership eligibility from Education Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Education Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer District 4 of the Texas Department of Transportation - Association Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, Bushland ISD Council PTA Verified from [Education Credit Union's membership page](https://www.educationcu.com/how-to-become-an-ecu-member/) . Final membership determination is always made by the credit union. ## Membership rules for Education Credit Union Employers · Associations 4 · Family 2 7 published paths to membership, last verified August 21, 2026, quoted from Education Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of District 4 of the Texas Department of Transportation “An employee of District 4 of the Texas Department of Transportation*” > [source ↗](https://www.educationcu.com/how-to-become-an-ecu-member/) - Employee of District 4 of the Texas Department of Transportation ### Associations 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Canyon ISD Council PTA “A member of Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, or Bushland ISD Council PTA” > [source ↗](https://www.educationcu.com/how-to-become-an-ecu-member/) - Member of Canyon ISD Council PTA - Member of Amarillo ISD Council PTA “A member of Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, or Bushland ISD Council PTA” > [source ↗](https://www.educationcu.com/how-to-become-an-ecu-member/) - Member of Amarillo ISD Council PTA - Member of WTAMU Alumni Association “A member of Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, or Bushland ISD Council PTA” > [source ↗](https://www.educationcu.com/how-to-become-an-ecu-member/) - Member of WTAMU Alumni Association - Member of Bushland ISD Council PTA “A member of Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, or Bushland ISD Council PTA” > [source ↗](https://www.educationcu.com/how-to-become-an-ecu-member/) - Member of Bushland ISD Council PTA ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse “A spouse of an eligible person who died while in the field of membership” > [source ↗](https://www.educationcu.com/how-to-become-an-ecu-member/) - Family member (spouse) of a member - Family of a member relative “A blood or legal relative of anyone eligible for membership” > [source ↗](https://www.educationcu.com/how-to-become-an-ecu-member/) - Family member (relative) 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 Credit Union? Yes No ## Work at Education Credit Union? 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 Credit Union ranks against Texas peers. - See which AI assistants fetched Education Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=education&state=texas&code=TX&name=Education%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Education Credit Union offer? Education Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Education Credit Union rates updated? RateAPI verifies Education Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Education Credit Union's rate data? Rate data is collected directly from Education 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 Credit Union's best CD rate? As of November 13, 2026, Education Credit Union offers savings and certificate (CD) yields up to 4.25% APY. ### Who can join Education Credit Union? Education Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 1 employer and 4 associations for Education Credit Union, each quoted from Education Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Education Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [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.educationcu.com/) ### 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 Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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 Credit Union curl "https://api.rateapi.dev/credit-unions/texas /education " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Education Credit Union locations Search, filter, and browse all 12 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/texas/education Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp