Credit union · NCUA insured
Education Credit Union Savings Rates
Education Credit Union’s best savings rate is 0.50% APY on $10,000, with its H&H Legacy Super Share Account. Rates checked October 16, 2026.
How Education Credit Union’s savings rates compare
Compared with banks and credit unions near Amarillo, TX, where Education Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Education Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
H&H Legacy Super Share Account
Top rate
First National Bank of Hereford
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $303
2nd-highest rate
First National Bank Texas
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
Education Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0002.15%
- QualifiedQualified0.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Education Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Super Money Market Account
1.65%APY
Minimum balance to earn dividends: $2,500. Dividend accrual: calculated daily, paid monthly. Up to three preauthorized or telephone transfers/withdrawals per month; exceeding limits may incur a fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Pay Frequency: Monthly. | 0.00% | — | Pay Frequency: Monthly. |
| $2,500 – $25,000Pay Frequency: Monthly. | 1.65% | $165 | Pay Frequency: Monthly. |
| $25,000 – $50,000Pay Frequency: Monthly. | 1.85% | — | Pay Frequency: Monthly. |
| $50,000 – $100,000Pay Frequency: Monthly. | 1.95% | — | Pay Frequency: Monthly. |
| $100,000 – $150,000Pay Frequency: Monthly. | 2.15% | — | Pay Frequency: Monthly. |
| $150,000 – $160,000Pay Frequency: Monthly. | 2.15% | — | Pay Frequency: Monthly. |
| $160,000 and upPay Frequency: Monthly. | 2.15% | — | Pay Frequency: Monthly. |
Money Market Account
0.40%APY
Minimum balance to earn dividends: $500. Dividend accrual: calculated daily, paid monthly. Up to six preauthorized or telephone transfers/withdrawals per month; exceeding limits may incur a fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25Pay Frequency: Monthly. | 0.00% | — | Pay Frequency: Monthly. |
| $500 – $25,000Pay Frequency: Monthly. | 0.40% | $40 | Pay Frequency: Monthly. |
| $25,000 – $50,000Pay Frequency: Monthly. | 0.50% | — | Pay Frequency: Monthly. |
| $50,000 – $100,000Pay Frequency: Monthly. | 0.60% | — | Pay Frequency: Monthly. |
| $100,000 and upPay Frequency: Monthly. | 0.70% | — | Pay Frequency: Monthly. |
H&H Legacy Super Share Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePay frequency monthly.Any balance | 0.50% | $50 | Pay frequency monthly. |
Sources (1)
- educationcu.com/rates · captured Oct 16, 2026
Primary Share Savings
0.20%APY
Requires credit union membership, a $5.00 deposit into the Primary Share Savings account, and a one-time membership fee of $1.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Dividends calculated daily, paid monthly. Minimum earning balance $100.00. | 0.00% | — | Dividends calculated daily, paid monthly. Minimum earning balance $100.00. |
| $100 – $5,000Dividends calculated daily, paid monthly. Minimum earning balance $100.00. | 0.15% | — | Dividends calculated daily, paid monthly. Minimum earning balance $100.00. |
| $5,000 – $25,000Dividends calculated daily, paid monthly. Minimum earning balance $100.00. | 0.20% | $20 | Dividends calculated daily, paid monthly. Minimum earning balance $100.00. |
| $25,000 – $50,000Dividends calculated daily, paid monthly. Minimum earning balance $100.00. | 0.25% | — | Dividends calculated daily, paid monthly. Minimum earning balance $100.00. |
| $50,000 and upDividends calculated daily, paid monthly. Minimum earning balance $100.00. | 0.30% | — | Dividends calculated daily, paid monthly. Minimum earning balance $100.00. |
H&H Legacy Summer Pay Account
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePay frequency monthly. Minimum earning balance $10.00.Any balance | 0.20% | $20 | Pay frequency monthly. Minimum earning balance $10.00. |
Sources (1)
- educationcu.com/rates · captured Sep 17, 2026
Additional Savings
0.05%APY
Flexible special purpose savings option to customize alongside Primary Share account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Dividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. | 0.00% | — | Dividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. |
| $100 – $5,000Dividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. | 0.05% | — | Dividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. |
| $5,000 – $25,000Dividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. | 0.05% | $5 | Dividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. |
| $25,000 – $50,000Dividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. | 0.10% | — | Dividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. |
| $50,000 and upDividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. | 0.15% | — | Dividends calculated daily, paid monthly. Service fees: none. Minimum balance: none. Minimum earning balance $100.00. |
Special-purpose accounts
Education Savings Accounts (ESAs)
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Pay frequency monthly. | 0.50% | — | Pay frequency monthly. |
| $10,000 and upPay frequency monthly. | 1.00% | $100 | Pay frequency monthly. |
Sources (1)
- educationcu.com/rates · captured Oct 16, 2026
Individual Retirement Accounts (IRAs)
1.00%APY
Tax-advantaged retirement savings options include Roth IRA and Traditional IRA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Pay frequency monthly. Early withdrawal penalties may apply. | 0.50% | — | Pay frequency monthly. Early withdrawal penalties may apply. |
| $10,000 and upPay frequency monthly. Early withdrawal penalties may apply. | 1.00% | $100 | Pay frequency monthly. Early withdrawal penalties may apply. |
Health Savings Accounts (HSAs)
0.20%APY
Available to individuals and families covered by a High-Deductible Health Plan (HDHP). Distributions are tax-free when used for qualified medical expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePay frequency monthly. Early withdrawal penalties may apply.Any balance | 0.20% | $20 | Pay frequency monthly. Early withdrawal penalties may apply. |
Who can join Education Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living, working, attending church, or attending school within 10 miles of any ECU location is eligible for membership.
Employers and groups
- Certified daycare workers in Potter and Randall counties are eligible for membership.
- Members of Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, or Bushland ISD Council PTA are eligible for membership.
Military, government and schools
- Homeschoolers in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
- Employees of any public, private, or parochial school, college, or university in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
- Students of any public, private, or parochial school, college, or university in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
5 more ways to join
Military, government and schools
- Individuals holding a valid Texas teaching certificate are eligible for membership.
- Employees of District 4 of the Texas Department of Transportation across 18 Texas Panhandle counties are eligible for membership.
Family and household
- Spouses of eligible persons who died while in the field of membership are eligible for membership.
- Blood or legal relatives of anyone eligible for membership are eligible to join.
Other ways
- Retirees receiving retirement or pension due to employment by an organization in the field of membership are eligible for membership.
Cost to join
- A one-time membership fee of $1 is required.
- A savings account opening deposit of $5 is required.
Membership information collected October 5, 2026.