Credit union · NCUA insured
Education First Federal Credit Union Savings Rates
Education First Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Checking. Rates checked October 16, 2026.
How Education First Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Beaumont, TX, where Education First Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Education First Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Checking
Top rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
5Point Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Education First Federal Credit Union savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.70%
- 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 First Federal 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 Checking
0.50%APY
Membership is open to anyone who lives, works, or worships in the Texas counties of Angelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Trinity, and Tyler. Fees could reduce earnings on this account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.00% | — |
| $2,000 – $19,999 | 0.50% | $50 |
| $20,000 – $50,000 | 0.60% | — |
| $50,000 – $250,000 | 0.70% | — |
| $250,000 and up | 0.90% | — |
Personal Savings Account
0.20%APY
Open with as little as $5 to become a credit union member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum to earn dividend is $25.$25 and up | 0.20% | $20 | Minimum to earn dividend is $25. |
Special Savings Account
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum to earn dividend is $25.$25 and up | 0.20% | $20 | Minimum to earn dividend is $25. |
Sources (1)
- educationfirstfcu.org/current-rates-fees/deposit-rates · captured Sep 17, 2026
Special-purpose accounts
Christmas Club Account
0.20%APY
No minimum deposit and no service charges. Save until November 1 of that year; account renews automatically every year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum to earn dividend is $0. Save until November 1.Any balance | 0.20% | $20 | Minimum to earn dividend is $0. Save until November 1. |
IRA Savings Account
0.20%APY
May incur IRS tax penalties for early withdrawal. Fees could reduce earnings on this account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum to earn dividend is $25. Penalty may be imposed for early withdrawals.$25 and up | 0.20% | $20 | Minimum to earn dividend is $25. Penalty may be imposed for early withdrawals. |
Sources (2)
- educationfirstfcu.org/personal/personal-investing/iras
- educationfirstfcu.org/current-rates-fees/deposit-rates
All captured Sep 17, 2026
Vacation Club Account
0.20%APY
No minimum deposit and no service charges. Funds automatically disburse on May 1; account renews automatically every year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum to earn dividend is $0. Funds automatically disburse on May 1.Any balance | 0.20% | $20 | Minimum to earn dividend is $0. Funds automatically disburse on May 1. |
Who can join Education First Federal Credit Union
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.
Membership information collected October 5, 2026.