Credit union · NCUA insured
Education First Credit Union Savings Rates
Top CarrotEducation First Credit Union’s best savings rate is 1.40% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Education First Credit Union’s savings rates compare
Compared with banks and credit unions near Columbus, OH, where Education First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Education First Credit Union
1.40%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $140
Money Market
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Education First Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0001.20%
- $10,000 balance$10,0001.40%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.40%
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 First 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.
Money Market
1.40%APY
Dividends compounded and credited monthly based on calendar month. Daily balance method. Account transfer and withdrawal limitations apply. Minimum balance to earn stated APY is $1,000.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $9,999 | 1.20% | — |
| $10,000 – $24,999 | 1.40% | $140 |
| $25,000 and up | 1.75% | — |
Sources (1)
- educu.org/rates · captured Oct 6, 2026
Share Savings
0.05%APY
Earns dividends on balances over $200.00. Dividends compounded and credited monthly. No monthly access fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn the stated APY is $200.$200 and up | 0.05% | $5 | Minimum balance to earn the stated APY is $200. |
Special-purpose accounts
Health Savings Account
0.75%APY
Must participate in a high-deductible health plan (HDHP). No monthly maintenance fee. No set-up fee. No minimum opening deposit. Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999Minimum balance to earn stated APY is $1.00. | 0.25% | — | Minimum balance to earn stated APY is $1.00. |
| $1,000 – $9,999 | 0.50% | — | |
| $10,000 – $24,999 | 0.75% | $75 | |
| $25,000 and up | 1.00% | — |
ABC Advantage Club
0.05%APY
Designed for young savers until their 13th birthday. Account matures on the member's 13th birthday. Must be a credit union member with a minimum of $5.00 in the Primary Savings Account. Dividends paid on every dollar. Includes Apple Bucks program.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to earn stated APY: $1.00. Dividends paid on every dollar.$1 and up | 0.05% | $5 | Minimum balance to earn stated APY: $1.00. Dividends paid on every dollar. |
Holiday Savings Account
0.05%APY
Funds become available on October 15. Enrollment for the next season is automatic. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn the stated APY is $200. Funds made available October 15; automatic enrollment for next season.$200 and up | 0.05% | $5 | Minimum balance to earn the stated APY is $200. Funds made available October 15; automatic enrollment for next season. |
IRA Savings
0.05%APY
Traditional and Roth IRA savings options available. Dividends compounded and credited monthly. No service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn stated APY is $200. No service fee.$200 and up | 0.05% | $5 | Minimum balance to earn stated APY is $200. No service fee. |
Teen Advantage Club
0.05%APY
Designed for members between the ages of 13 and 17. Account matures on the member's 18th birthday. Must open a Primary Savings Account with a minimum opening deposit of $5, and deposit at least $1 into the Teen account. Dividends paid on every dollar deposited. No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to earn stated APY: $1.00.$1 and up | 0.05% | $5 | Minimum balance to earn stated APY: $1.00. |
Who can join Education First Credit Union
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