--- title: "Education 1st Credit Union Rates - Utah" description: "Current auto loan, personal loan, credit card, and savings & cd rates from Education 1st Credit Union in Utah. Updated daily with source verification. See who can join Education 1st Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/utah/education-1st" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Education 1st Credit Union Rates - Utah ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New or Used Auto** auto_any_60mo | — APR | 4.690% | 60 mo · any | Standard | | **60-Month New Auto Loan** auto_new_60mo | — APR | 4.690% | 60 mo · new | Standard | Education 1st Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.150% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 9.750% | — | Standard | | **Overdraft Line of Credit** personal | — APR | 15.000% | — | Standard | Education 1st 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 | 10.750% | — | Standard | Education 1st Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Savings** share_savings | — APY | 0.15% | — | Standard | | **ROTH IRA** ira | — APY | 0.25% | — | Standard | | **Money Market** money_market | — APY | 3.85% | — | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 4.30% | 12 mo | Standard | Education 1st Credit Union savings & cd rates as of November 12, 2026 Education 1st Credit Union is a credit union in Utah. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/utah/education-1st) , verified from [Education 1st Credit Union's official website](https://www.e1cu.org/) Loading branch locator… ## About Education 1st Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.6K Assets $61.7M Founded 1932 Locations reported 3 NCUA charter 67127 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Bilingual services - 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. [**Ascent** WSU UNION BUILDING · OGDEN · UT · 84408-0001 About 3.0 miles away](https://rateapi.dev/credit-unions/utah/ascent) [**Goldenwest** Harrison Br · Ogden · UT · 84403 About 3.1 miles away](https://rateapi.dev/credit-unions/utah/goldenwest) [**Granite** Ogden Rancho Markets Office · Ogden · UT · 84401-2523 About 3.5 miles away](https://rateapi.dev/credit-unions/utah/granite) [**Wasatch Peaks** Corporate Headquarters · Ogden · UT · 84403-4304 About 4.0 miles away](https://rateapi.dev/credit-unions/utah/wasatch-peaks) [**America First** Ogden Harrison · Ogden · UT · 84403 About 4.1 miles away](https://rateapi.dev/credit-unions/utah/america-first) [**Mountain America** 0009 Ogden Washington Blvd · Ogden · UT · 84401 About 4.4 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) 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 1st Credit Union Membership eligibility from Education 1st Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Education 1st Credit Union's website. Check the membership page below to confirm whether you qualify. - Location weber — UT - Employer Ogden School District Verified from [Education 1st Credit Union's membership page](https://www.e1cu.org/member-eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Education 1st Credit Union Geography 1 county · Employers 2 · Family 2 5 published paths to membership, last verified August 27, 2026, quoted from Education 1st Credit Union’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 - Weber County, UT “In addition to OSD, Education First also welcomes anyone living in Weber County.” > [source ↗](https://www.e1cu.org/member-eligibility) ### Employers 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Ogden School District “Education First Credit Union proudly serves the Ogden School District community, including current and retired employees” > [source ↗](https://www.e1cu.org/member-eligibility) - Employee of Ogden School District - Retired employee of Ogden School District “Education First Credit Union proudly serves the Ogden School District community, including current and retired employees” > [source ↗](https://www.e1cu.org/member-eligibility) - Retiree of Ogden School District ### 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 “Education First Credit Union proudly serves the Ogden School District community, including current and retired employees, as well as current students, alumni, and their families.” > [source ↗](https://www.e1cu.org/member-eligibility) - Family member of a member - Family of someone eligible family “Education First Credit Union proudly serves the Ogden School District community, including current and retired employees, as well as current students, alumni, and their families.” > [source ↗](https://www.e1cu.org/member-eligibility) - Family member (family) of an eligible person 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 1st Credit Union? Yes No ## Work at Education 1st 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 1st Credit Union ranks against Utah peers. - See which AI assistants fetched Education 1st Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Utah - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=education-1st&state=utah&code=UT&name=Education%201st%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Education 1st Credit Union offer? Education 1st Credit Union currently offers Auto 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 1st Credit Union rates updated? RateAPI verifies Education 1st 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 1st Credit Union's rate data? Rate data is collected directly from Education 1st 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 1st Credit Union? Education 1st Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 1 county and 2 employers for Education 1st Credit Union, each quoted from Education 1st Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Education 1st Credit Union's rates against national credit-union benchmarks. [More Utah credit unions](https://rateapi.dev/credit-unions/utah) [Utah auto loan rate leaders](https://rateapi.dev/auto-loan-rates/utah) [Utah personal loan leaders](https://rateapi.dev/personal-loan-rates/utah) [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.e1cu.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 1st Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Utah 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 1st Credit Union curl "https://api.rateapi.dev/credit-unions/utah /education-1st " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Education 1st Credit Union 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/utah/education-1st Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp