Credit union · NCUA insured
Educational Employees Credit Union
A $5.4B credit union, the 78th largest of 4,329, headquartered in Fresno, CA, with 400,720 members and 22 branches in California. Best rates: CDs 4.50% and savings 0.20% APY.
Educational Employees Credit Union Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#11 of 24 in Fresno, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Educational Employees Credit Union
Founded in 1934 during the Great Depression, the credit union was chartered as Fresno Teachers Credit Union in Fresno, California.
The institution changed its name to Educational Employees Credit Union in 1981 and is a member-owned cooperative.
Based in the central San Joaquin Valley, it serves 12 California counties to help members achieve their financial goals.
- Headquarters
- 2222 W Shaw Ave, Fresno, CA 93711-3419
- NCUA charter
- 60520
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employee of Camarena Health.
- Employee of The Fresno Center.
- Member of the former So-Val Tel Federal Credit Union membership base.
- Employee of St. Agnes Medical Center who works in Fresno, CA, including those paid by Trinity Health.
- Employee of the California Teaching Fellows Foundation.
- Employee of United Health Centers of the San Joaquin Valley.
7 more ways to join
Employers and groups
- Employee, contract physician or other medical professional service provider of Valley Children\u2019s Healthcare.
Military, government and schools
- Employee of the City of Fresno.
- Employee of Orcutt Union School District in Santa Barbara.
- Member of a Board of Education or Board of Trustees of a licensed/accredited school system in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Certificated or Classified employee, or student, of a school/school district in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Retiree of a school/school district who now lives in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
Family and household
- Relative (parents, spouses, children, grandchildren, great grandchildren, grandparents, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household member (living in the same residence and maintaining a single economic unit) of an existing EECU member or a person eligible for EECU membership.
Cost to join
- An additional $5 opening deposit is required for Checking.
- An opening deposit of $5 is required for Savings ($10 for joint account).
Branches
22 branches in California
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California
22 branches
Fresno area · 15
- Armstrong2186 Shaw Ave, Clovis, CA 93611Directions
- Clovis North1660 Herndon Ave Ste 101, Clovis, CA 93611Directions
- Clovis Old Town430 Pollasky Ave, Clovis, CA 93612Directions
- Barstow455 E Barstow Ave, Fresno, CA 93710Directions
- Clinton Way4986 E Clinton Way, Fresno, CA 93727Directions
- Clovis West1070 E Teague Ave, Fresno, CA 93720Directions
- Milburn6745 N Milburn Ave, Fresno, CA 93722Directions
- Perrin9515 N Sommerville Dr, Fresno, CA 93720Directions
- Sunnyside5640 E Kings Canyon Rd, Fresno, CA 93727Directions
- Valentine3488 W Shaw Ave, Fresno, CA 93711Directions
- Van Ness1177 Van Ness Ave Ste 100, Fresno, CA 93721Directions
- Madera413 W Yosemite Ave Ste 101, Madera, CA 93637Directions
- Reedley873 W North Ave, Reedley, CA 93654Directions
- Sanger740 Bethel Ave, Sanger, CA 93657Directions
- Selma2029 High St, Selma, CA 93662Directions
Visalia area · 4
- Porterville14 N Main St Ste E, Porterville, CA 93257Directions
- Tulare1398 E Prosperity Ave, Tulare, CA 93274Directions
- Demaree3212 N Demaree St Ste A, Visalia, CA 93291Directions
- Visalia3612 S Mooney Blvd, Visalia, CA 93277Directions
Hanford area · 1
- Hanford1460 W 7th St Ste 101, Hanford, CA 93230Directions
Merced area · 1
- Merced755 E Yosemite Ave Ste A, Merced, CA 95340Directions
San Luis Obispo area · 1
- Paso Robles2341 Theatre Dr, Paso Robles, CA 93446Directions
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 | 14.58% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.20% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.86% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $50 | $88 | — |
- CapitalNet worth ratio14.58%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.20%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.86%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$50Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.