First Education

cheyenne, Wyoming
Last verified: July 10, 2026

As of July 10, 2026, First Education offers a savings mortgage at 0.1% APR (0.1% rate, 0 points). Auto loans available from 4.49% APR. HELOC rates from 5.25% APR. Personal loan rates from 9.99% APR.

Source: RateAPI.dev, verified from First Education's official website

Who Can Join First Education

Membership eligibility from First Education's own published criteria. How we verify this.

Community charter: live/work in Laramie County, WY

Cost to join: About $5.

Verified from First Education's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

savings
0.100% APR
Rate0.100%
Points0
Super Savers Tier IV
money_market
0.100% APR
Rate0.100%
Points0
Money Market Tier III
savings
1.000% APR
Rate1.000%
Points0
Choice Checking Tier II
savings
1.000% APR
Rate1.000%
Points0
Choice Tier II
savings
1.000% APR
Rate1.000%
Points0
Premium Checking Tier II
savings
1.000% APR
Rate1.000%
Points0
Premium Tier II
cd_36mo
1.004% APR
Rate1.000%
Points0
36-Month Certificate
cd_48mo
1.004% APR
Rate1.000%
Points0
48-Month Certificate
cd_60mo
1.105% APR
Rate1.100%
Points0
60-Month Certificate
cd_18mo
2.528% APR
Rate2.500%
Points0
18-Month Certificate
cd_24mo
2.631% APR
Rate2.600%
Points0
24-Month Certificate
cd_6mo
2.784% APR
Rate2.750%
Points0
6-Month Certificate
cd_12mo
3.041% APR
Rate3.000%
Points0
12-Month Certificate
cd_24mo
3.041% APR
Rate3.000%
Points0
Change is Good Certificate (2 Year)
cd
3.041% APR
Rate3.000%
Points0
Change is Good Certificate
cd_9mo
3.556% APR
Rate3.500%
Points0
9-Month Certificate
savings
5.000% APR
Rate5.000%
Points0
Regular Shares Tier II
savings
5.000% APR
Rate5.000%
Points0
Choice Checking
savings
5.000% APR
Rate5.000%
Points0
Choice
ira
5.010% APR
Rate5.000%
Points0
IRA Share Account

Auto Loan Rates

Rates as of July 10, 2026

auto_new
4.490% APR
Rate4.490%
New Vehicles
auto_new
4.490% APR
Rate4.490%
[PROMOTIONAL] New Vehicles
auto_used
4.990% APR
Rate4.990%
Used Vehicles
auto_used
4.990% APR
Rate4.990%
[PROMOTIONAL] Used Vehicles
auto
8.990% APR
Rate8.990%
Recreational Vehicles
credit_card_platinum
8.990% APR
Rate8.990%
Visa Platinum
auto
8.990% APR
Rate8.990%
[PROMOTIONAL] Recreational Vehicles
credit_card_platinum
8.990% APR
Rate8.990%
[PROMOTIONAL] Visa Platinum

HELOC Rates

Rates as of July 10, 2026

heloc_fixed
5.250% APR
Rate5.250%
[PROMOTIONAL] Home Equity Loans

Personal Loan Rates

Rates as of July 10, 2026

personal
9.990% APR
Rate9.990%
Closed-End/Lines of Credit
personal
9.990% APR
Rate9.990%
[PROMOTIONAL] Closed-End/Lines of Credit
personal
11.990% APR
Rate11.990%
Debt Consolidation Loans
personal
11.990% APR
Rate11.990%
[PROMOTIONAL] Debt Consolidation Loans

Frequently Asked Questions

What rates does First Education offer?

First Education currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are First Education rates updated?

RateAPI verifies First Education's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get First Education's rate data?

Rate data is collected directly from First Education's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is First Education's mortgage rate?

As of July 10, 2026, First Education offers a savings mortgage at 0.1% APR.

What is First Education's auto loan rate?

As of July 10, 2026, First Education offers auto loans from 4.49% APR.

Related Rate Data

Compare First Education's rates against national credit-union benchmarks.

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for First Education
curl "https://api.rateapi.dev/credit-unions/wyoming/first-education" \
  -H "Authorization: Bearer YOUR_API_KEY"