Credit union · NCUA insured
Educational Community Credit Union
A $77.1M credit union headquartered in Springfield, MO, with 7,557 members and 2 branches in Missouri. Best rates: CDs 3.45% and savings 0.20% APY.
Educational Community Credit Union Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#6 of 27 in Springfield, MO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Educational Community Credit Union
Founded in 1938, Educational Community Credit Union is a member-owned financial institution serving Springfield and Ozark, Missouri.
The credit union focuses on meeting the financial needs of members of the educational community and their families.
- Headquarters
- 1221 E Grand St, Springfield, MO 65804
- NCUA charter
- 62589
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Educational alumni residing within the specified 23 Missouri counties are eligible for membership.
- Employees of any educational institution or public library located within Barry, Barton, Cedar, Christian, Dade, Dallas, Douglas, Greene, Howell, Jasper, Laclede, Lawrence, McDonald, Newton, Oregon, Ozark, Polk, Shannon, Stone, Taney, Texas, Vernon, Webster, or Wright County are eligible for membership.
- Educationally-sponsored or affiliated organizations of public or private schools (elementary, secondary, or higher education) located within the specified 23 Missouri counties are eligible for membership.
- Retired faculty members of public or private schools (elementary, secondary, or higher education) residing within the specified 23 Missouri counties are eligible for membership.
- Students or alumni of any educational institution located within the specified 23 Missouri counties are eligible for membership.
Family and household
- Family members of anyone eligible to join ECCU are eligible for membership, regardless of whether the eligible person is an existing member.
Cost to join
- Membership requires establishing and maintaining a minimum $25 deposit/balance in a share (savings) account.
Branches
2 branches in Missouri
Loading map…
Missouri
2 branches
- Springfield OfficeMain office1221 E Grand St, Springfield, MO 65804Directions
- Ozark Office1550 W Diane St, Ozark, MO 65721Directions
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 | 9.82% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.86% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.59% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $62 | $59 | — |
- CapitalNet worth ratio9.82%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.86%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.59%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$62Peers’ 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 Educational Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.