Educators Credit Union

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A short history of Educators CU

Since its inception in 1938 the Educators Credit Union has been serving its members in the WACO, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by JOE HUTYRA, the Educators CU has grown its membership to over 27,848 with assets of more than $397,940,435. They have a main office and 9 branch offices. Please see the credit unions website or contact them by phone at (254) 776-7900 or email them at MBRSERVS@ECU-WACO.ORG to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in WACO, TX.

General Information For Educators CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 67611
Address P O BOX 20728 
City WACO 
State Texas 
Zip-Code 76702
Phone Number (254) 776-7900
Fax Number (254) 751-5876
Members 27,848 
Full-Time Employees 53 
Part-Time Employees 11 
Number of Branch Offices
Total Assets 397,940,435 
Website http://EDCU.COM 

Compare Educators Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Highway District 9 CU Highway District 9 Credit Union 2417 Columbus Ave 76701 (254) 756-6331 No 0.57
Mclennan County Employees CU Corporate Office 215 N 5th St Ste 224 76701 (254) 757-5015 No 0.97
Waco CU Main 826 N 3rd St 76703 (254) 753-0361 No 1.15
1st University CU Aramark Management Offices 2100 River St 76703 (254) 710-1414 No 1.44
Genco CU Valley Mills 731 N Valley Mills Dr 76714 (254) 776-9550 No 2.31

Educators Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Educators Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.99 1.79 1.79 3.49 3.49
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 20 12 70 55
Rank Among All Texas Credit Unions 53 4 4 14 5

Educators Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.15 0.35 0.65 0.95 0.95
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 108 81 42 183 166
Rank Among All Texas Credit Unions 26 27 5 56 33
Educators Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9901,5831,247,302
All Other Unsecured Loans/Lines of Credit 9.9901,4943,013,249
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.7901,61033,136,129
Used Vehicle Loans 1.7904,07252,635,432
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.49058635,442,703
Total Other Real Estate Loans/Lines of Credit 3.4901203,714,942
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 9.9901,06910,883,819
TOTAL LOANS & LEASES 10,534140,073,576

Educators Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 798,239,905122,299,838
    b. 15 Years or less 50727,202,798352,457,488
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1203,714,9424151,677
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 70639,157,645514,909,003


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Educators Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes