--- title: "Education First Credit Union Rates - Texas" description: "Current mortgage, vehicle loan, personal loan, credit card, and savings & cd rates from Education First Credit Union in Texas. Updated daily with source verification. See who can join Education First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/education-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Education First Credit Union Rates - Texas ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.000% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 5.500% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 5.250% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 5.750% | — | Standard | | **Home Loan** other | — APR | 5.536% | — | Standard | | **Construction Loan Rates (12 Months)** other | — APR | 6.500% | — | Standard | Education First Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.000% | — | Standard | | **Recreational** powersports | — APR | 4.500% | — | Standard | Education First Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share Certificate Secured for 6 – 36 months** personal_secured_36mo | — APR | 2.000% | 36 mo | Standard | | **Share Certificate Secured for 37 – 60 months** personal_secured_60mo | — APR | 3.000% | 60 mo | Standard | | **Share-Secured Loan** personal_secured | — APR | 3.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 11.500% | — | Standard | Education First Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 3.990% | — | Advertised floor | Education First Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **120-Month Certificate** cd_120mo | — APY | 5.25% | 120 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 5.25% | 60 mo | Standard | | **180 Months** savings | — APY | 5.50% | — | Standard | | **240 Months** savings | — APY | 5.75% | — | Standard | Education First Credit Union savings & cd rates as of November 12, 2026 Education First Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/education-first) , verified from [Education First Credit Union's official website](https://www.educationfirstfcu.org/) Loading branch locator… ## 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](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. [**Gulf** Beaumont · Beaumont · TX · 77706 About 0.1 miles away](https://rateapi.dev/credit-unions/texas/gulf) [**Neches** Dowlen Branch · Beaumont · TX · 77706-3330 About 0.4 miles away](https://rateapi.dev/credit-unions/texas/neches) [**Fivepoint** FivePoint Credit Union · Beaumont · TX · 77706 About 1.2 miles away](https://rateapi.dev/credit-unions/texas/fivepoint) [**Rave Financial** Delaware Branch · Beaumont · TX · 77713 About 1.4 miles away](https://rateapi.dev/credit-unions/texas/rave-financial) [**Dugood** Major Branch · Beaumont · TX · 77713 About 1.4 miles away](https://rateapi.dev/credit-unions/texas/dugood) [**Sabine** Beaumont Branch · Beaumont · TX · 77706-4004 About 1.5 miles away](https://rateapi.dev/credit-unions/texas/sabine) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Education First Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer East Chambers Independent School District, High Island Independent School District Verified from [Education First Credit Union's membership page](https://www.educationfirstfcu.org/join-today) . Final membership determination is always made by the credit union. ## Membership rules for Education First Credit Union Employers 2 · Family 3 published paths to membership, last verified August 21, 2026, quoted from Education First Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of East Chambers Independent School District “You are a current or retired East Chambers or High Island Independent School District employee.” > [source ↗](https://www.educationfirstfcu.org/join-today) - Employee of East Chambers Independent School District - Employee of High Island Independent School District “You are a current or retired East Chambers or High Island Independent School District employee.” > [source ↗](https://www.educationfirstfcu.org/join-today) - Employee of High Island Independent School District ### Family 1 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, children, parents, sibling “You are a family member of an Education First member (e.g., spouse, children, parents, sibling).” > [source ↗](https://www.educationfirstfcu.org/join-today) - Family member (spouse, children, parents, sibling) 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? Yes No ## Work at Education First 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 First Credit Union ranks against Texas peers. - See which AI assistants fetched Education First 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-first&state=texas&code=TX&name=Education%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join Education First Credit Union? Education First Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for Education First Credit Union, each quoted from Education First Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Education First Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.educationfirstfcu.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 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 First Credit Union curl "https://api.rateapi.dev/credit-unions/texas /education-first " \ -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 locations Search, filter, and browse all 10 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-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp