Deposit Rates
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.
Personal 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.
Personal Savings Account
| Minimum To Earn Dividend | Dividend Rate | APY |
|---|---|---|
| $25 | 0.20% | 0.20% |
*APY - Annual Percentage Yield
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 Earn Dividend | Dividend Rate | APY |
|---|---|---|
| $0 | 0.20% | 0.20% |
*APY - Annual Percentage Yield.
Money Market Accounts
| 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 | 1.00% | 1.01% |
*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 withdrawals. Fees could reduce earnings on this account.
Share Certificate
| Terms | 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% |
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.
Rates
Check current rates and find out which ones adhere to your loan type.
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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