Credit union · NCUA insured
Educators Credit Union Savings Rates
Educators Credit Union’s best savings rate is 1.11% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Educators Credit Union’s savings rates compare
Compared with banks and credit unions near Waco, TX, where Educators Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Educators Credit Union
1.11%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $111
Money Market
Top rate
Texell Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Educators Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0001.11%
- $100,000 balance$100,0001.11%
- QualifiedQualified1.11%
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 Educators 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
1.11%APY
Open with $2,500 deposit; minimum deposit amount $100. Minimum daily balance of $2,500 required to obtain APY. Account remaining below $2,500 minimum balance for extended period will be closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upAPY based on average daily balance. Minimum daily balance of $2,500 required to obtain disclosed APY.$2,500 and up | 1.11% | $111 | APY based on average daily balance. Minimum daily balance of $2,500 required to obtain disclosed APY. |
Sources (3)
- edcu.com/home/accounts/fees-disclosures
- edcu.com/home/accounts/money-market
- edcu.com/home/accounts/rates
All captured Sep 17, 2026
Regular Savings
0.40%APY
Opening a savings account is the first step to becoming a member of Educators Credit Union. Open this account with a $25 deposit. Minimum balance = $25. Interest paid quarterly. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upInterest paid quarterly. Term in Days: 365.$25 and up | 0.40% | $40 | Interest paid quarterly. Term in Days: 365. |
Special-purpose accounts
IRA Savings
0.40%APY
Available as Traditional IRA (eligible if younger than 73 for the tax year and you or spouse has earned income) or Roth IRA (eligible if you or spouse has earned income and MAGI does not exceed limits).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTerm in Days: 365.Any balance | 0.40% | $40 | Term in Days: 365. |
Who can join Educators Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in McLennan, Bell, Bosque, Hill, Falls, Coryell, Hamilton, Lampasas, or Limestone County.
Family and household
- Membership is open to individuals who have an immediate family member currently a member of Educators Credit Union.
Membership information collected October 5, 2026.