--- title: "Educators Credit Union Rates - Texas" description: "Current vehicle loan, personal loan, credit card, and savings & cd rates from Educators Credit Union in Texas. Updated daily with source verification. See who can join Educators Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/educators" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Educators Credit Union Rates - Texas ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **66-Month Used Auto Loan (2020–2026)** auto_used_66mo | — APR | 5.240% | 66 mo · used | Context only | | **66-Month Used Auto Loan (2021–2027)** auto_used_66mo | — APR | 5.240% | 66 mo · used | Context only | | **66-Month New Auto Loan** auto_new_66mo | — APR | 5.240% | 66 mo · new | Context only | | **Used Automobile 2021-2027 (less than 75K miles)** auto_used | — APR | 5.490% | used | Context only | | **New Automobile (exceeding $18,000)** auto_new | — APR | 5.490% | new | Context only | | **Used Automobile 2021-2027 (over $25,000, less than 40K miles, non-current year)** auto_used_84mo | — APR | 6.940% | 84 mo · used | Context only | | **New Automobile (over $25,000)** auto_new_84mo | — APR | 6.940% | 84 mo · new | Context only | | **Used Automobile 2020-2026 (over $25,000, less than 40K miles, non-current year)** auto_used_84mo | — APR | 6.940% | 84 mo · used | Context only | | **48-Month Used Auto Loan (2017–2020)** auto_used_48mo | — APR | 7.440% | 48 mo · used | Context only | | **48-Month Used Auto Loan (2016–2019)** auto_used_48mo | — APR | 7.440% | 48 mo · used | Context only | | **New or Used 2021-2027** auto_any_63mo | — APR | 7.450% | 63 mo · any | Standard | | **New or Used 2020-2026** auto_any_63mo | — APR | 7.450% | 63 mo · any | Context only | | **New or Used 2021-2027 (exceeding $18,000) Boat or RV Only** boat_any | — APR | 8.450% | any | Standard | | **48-Month Used Auto Loan (2020 and Older)** auto_used_48mo | — APR | 10.200% | 48 mo · used | Standard | | **48-Month Used Auto Loan (2019 and Older)** auto_used_48mo | — APR | 10.200% | 48 mo · used | Context only | Educators Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **63-Month Signature Loan** personal_unsecured_63mo | — APR | 11.940% | 63 mo | Standard | Educators Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Platinum MasterCard(reg)** credit_card_platinum | — APR | 9.750% | — | Standard | Educators Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Regular Certificate of Deposit (CD)** cd | 2.02% APY | 2.00% | — | Context only | | **Regular Certificate of Deposit (CD)** cd_12mo | 2.27% APY | 2.25% | 12 mo | Context only | | **Regular Certificate of Deposit (CD)** cd_24mo | 2.53% APY | 2.50% | 24 mo | Context only | Educators Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **With balance of $2,500 and up** other | — % | 1.100% | — | Standard | Educators Credit Union other rates as of November 12, 2026 Educators Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/educators) , verified from [Educators Credit Union's official website](https://www.edcu.com/home/home) Loading branch locator… ## About Educators Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 27.5K Assets $604M Founded 1938 Locations reported 8 NCUA charter 67611 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 - 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. [**Members Choice of Central Texas** Main Branch · Waco · TX · 76710 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/members-choice-of-central-texas) [**Fontana** Data Systems of Texas · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/california/fontana) [**Kraftman** Bradford Scott · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/louisiana/kraftman) [**Mcmurrey** Sharetec · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/texas/mcmurrey) [**Pba** DATA SYSTEMS OF TEXAS · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/arkansas/pba) [**Southern Teachers & Parents** DATA SYSTEMS/SHARETEC · WACO · TX · 76710 About 1.1 miles away](https://rateapi.dev/credit-unions/louisiana/southern-teachers-parents) 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 Educators Credit Union Membership eligibility from Educators Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Educators Credit Union's website. Check the membership page below to confirm whether you qualify. - Location mclennan, bell, bosque, hill, falls, coryell, hamilton, lampasas, limestone — TX Verified from [Educators Credit Union's membership page](https://www.edcu.com/home/about-us/membership) . Final membership determination is always made by the credit union. ## Membership rules for Educators Credit Union Geography 9 counties · Family 37 published paths to membership, last verified November 8, 2026, quoted from Educators Credit Union’s own published criteria. ### Geography 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Bell County, TX - Bosque County, TX - Coryell County, TX - Falls County, TX - Hamilton County, TX - Hill County, TX - Lampasas County, TX - Limestone County, TX - Mclennan County, TX “Live, work, worship or attend school in: McLennan County Bell County Bosque County Hill County Falls County Coryell County Hamilton County Lampasas County Limestone County” > [source ↗](https://www.edcu.com/home/about-us/membership) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family “Have an immediate family member who is currently a member of Educators Credit Union.” > [source ↗](https://www.edcu.com/home/about-us/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 Educators Credit Union? Yes No ## Work at Educators 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 Educators Credit Union ranks against Texas peers. - See which AI assistants fetched Educators 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=educators&state=texas&code=TX&name=Educators%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Educators Credit Union offer? Educators Credit Union currently offers 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 Educators Credit Union rates updated? RateAPI verifies Educators 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 Educators Credit Union's rate data? Rate data is collected directly from Educators 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 Educators Credit Union? Educators Credit Union publishes its membership criteria on its own website. RateAPI tracks 37 published membership paths covering 9 counties for Educators Credit Union, each quoted from Educators Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Educators 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) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [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.edcu.com/home/home) ### 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 Educators 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 Educators Credit Union curl "https://api.rateapi.dev/credit-unions/texas /educators " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Educators Credit Union locations Search, filter, and browse all 8 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/educators Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp