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Deposit Rates

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Your money has a bright future here

Our account rates give a boost to your savings. As a not-for-profit credit union, we're able to reward our members in Texas and beyond with competitive rates on deposit accounts that are often higher than other institutions.

Regular Savings Account
Minimum to Earn Dividend Dividend Rate APY*
$25 0.20% 0.20%
*APY - Annual Percentage Yield
Checking Account
Minimum to Open Account Minimum to Earn Dividend Dividend Rate APY*
$25 $2,000 0.05% 0.05%
*APY - Annual Percentage Yield. Fees could reduce earnings on this account.
Special Savings Account
Minimum to Earn Dividend Dividend Rate APY*
$25 0.20% 0.20%
*APY - Annual Percentage Yield
Christmas and Vacation Club Savings Account
Minimum to Open Account Dividend Rate APY*
$0 0.20% 0.20%
*APY - Annual Percentage Yield.
Money Market Account
Balance Dividend Rate APY*
$0.00 - $1,999.99 0.00% 0.00%
$2,000 - $19,999 0.60% 0.60%
$20,000 - $49,999.99 0.70% 0.70%
$50,000 - $249,999.99 0.80% 0.80%
$250,000 or greater 2.50% 2.53%
*APY - Annual Percentage Yield. Fees could reduce earnings on this account.
IRA
Minimum to Open Account Minimum to Earn Dividend Dividend Rate APY*
$5 $25 0.20% 0.20%
*APY - Annual Percentage Yield. A penalty may be imposed for early withdrawls. Fees could reduce earnings on this account.
Share Certificate
term Minimum Deposit Dividend Rate APY*
3 Month $500 2.50% 2.53%
6 Month $500 4.00% 4.07%
1 Year $500 4.50% 4.59%
2 Year $500 3.50% 3.56%
3 Year $500 3.50% 3.56%
5 Year $500 3.50% 3.56%
*APY - Annual Percentage Yield. A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.

Handy Tools at Your Disposal.

Calculate your budget, see and compare the latest rates and discover what perks you gain for being a member of Education First Federal Credit Union.

 

Calculators

Take charge of your finances! From big purchases to debt elimination and savings plans, our calculators guide you every step of the way. 

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Rates

Check current rates and find out which ones adhere to your loan type.

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Member Perks

When you want a better place to hold your accounts and grow your money, Education First is at the head of the class.

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