Credit union · NCUA insured
Education First Credit Union
Top CarrotA $61.7M credit union headquartered in Ogden, UT, with 2,590 members and 1 branch in Utah. Best rates: CDs 3.95% and savings 3.85% APY.
Education First Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#5 of 29 in Ogden, UT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Education First Credit Union
Founded in 1932 by teachers to support colleagues during the Great Depression, Education First Credit Union is a member-owned institution focusing on the education community.
Originally Ogden Teachers Credit Union, it became Ogden School District Credit Union in 1991, merged with Utah School for the Deaf and Blind in 2001, and rebranded in 2006.
Headquartered in Ogden, Utah, the credit union serves educators, students, families, and residents across Weber County.
- Headquarters
- 1250 Country Hills Dr, Ogden, UT 84403-2560
- NCUA charter
- 67127
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living in Weber County is eligible for membership.
Military, government and schools
- Current and retired employees of the Ogden School District are eligible for membership.
- Current students and alumni of the Ogden School District are eligible for membership.
Family and household
- Families of Ogden School District current and retired employees, current students, and alumni are eligible for membership.
Branches
1 branch in Utah
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Utah
1 branch
- Main OfficeMain office1250 Country Hills Dr, Ogden, UT 84403Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.94% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.05% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.63% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $95 | $59 | — |
- CapitalNet worth ratio9.94%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.05%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.63%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$95Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Education First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.