Credit union · NCUA insured
Education First Federal Credit Union
A $589.9M credit union headquartered in Beaumont, TX, with 32,587 members and 9 branches in Texas. Best rates: CDs 3.56% and savings 0.50% APY.
Education First Federal Credit Union Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#13 of 22 in Beaumont, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Education First Federal Credit Union
Founded in 1951 as South Park Teachers Credit Union, the institution adopted a federal charter in 1993 and became Education First Federal Credit Union in 2006.
Headquartered in Beaumont, Texas, this member-owned community credit union serves fourteen Southeast Texas counties including Jefferson, Hardin, and Orange.
- Headquarters
- 7025 Eastex Fwy, Beaumont, TX 77706-6515
- NCUA charter
- 24470
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Angelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Tyler, or Trinity County, Texas are eligible for membership.
Military, government and schools
- Current or retired employees of East Chambers or High Island Independent School District are eligible for membership.
Family and household
- Family members of an Education First member (including spouse, children, parents, sibling) are eligible for membership.
Branches
9 branches in Texas
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Texas
9 branches
Beaumont area · 7
- AdministrationMain office7025 Eastex Fwy, Beaumont, TX 77706Directions
- Education First Federal Credit Union6885 Eastex Fwy, Beaumont, TX 77706Directions
- Education First Federal Credit Union4350 Laurel St, Beaumont, TX 77707Directions
- Education First Federal Credit Union4695 Rolfe Christopher Dr, Beaumont, TX 77705Directions
- Education First Federal Credit Union155 W Monroe St, Kountze, TX 77625Directions
- Lumberton Branch199 S LHS Dr, Lumberton, TX 77657Directions
- Education First Federal Credit Union333 Highway 96 S, Silsbee, TX 77656Directions
Jasper area · 1
- Education First Federal Credit Union2014 S Wheeler St, Jasper, TX 75951Directions
Woodville area · 1
- Education First Federal Credit Union1121 S Magnolia St Ste 900, Woodville, TX 75979Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.11% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.62% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.71% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio9.11%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.62%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.71%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.