Banking built around you.
Whether you’re saving for what’s next, buying a home, financing a car, or managing your everyday finances, Educators Credit Union gives you better rates, lower fees, and trusted local experts who put your financial goals first.
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Routing Number
275981378
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Enjoy 0% APR5 for the first 3 months6
Put your home’s equity to work with a new HELOC. When the introductory period ends, you’ll benefit from a variable rate as low as7 6.24% APR.
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Competitive rates so you can achieve more with your money.
What are you looking to do today?
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Open a Checking Account
Personal checking accounts with no monthly maintenance fees1 and no minimum account balance in order to help you keep more of your money.
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View Rates
Competitive rates that save you time and money. Reach your financial goals faster without misleading fees.
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Access Digital Banking
Manage your finances anytime, anywhere with Mobile Banking, ASK EVA®, Educators Connect Cam™ and Online Banking.
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Explore Loans
We can help you find the loan that fits your budget and your needs, no matter where life may take you.
24-hour access
Access your accounts and all the features and benefits anytime, anywhere.
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Educators Connect Cam™
Use Educators Connect Cam™ to virtually connect with knowledgeable staff whenever opening an account, applying for a loan, or managing accounts.
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Mobile Banking
Manage your finances 24 hours a day from the Mobile Banking app in order to transfer money, pay bills, cash checks, and more.
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Ready to achieve your financial dreams?
Educators is a not-for-profit financial designed to return our income to members through better rates, lower fees, convenient services and increased account access. You, not profits, come first!
Disclosures
1Other fees may apply.
2Annual Percentage Rate. Financing up to 105% of approx. retail value. Rates and payments are based on a 36-month term. Loan rate is based on term, credit score, as well as credit tiers. Qualify for the lowest rate with credit score of 670 or above. Rates are subject to change. *Other secured loans will be based off the Used Vehicle rate tier.
3APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.
4APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty.
Closing cost $1,600. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.
Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.
Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Subject to underwriting approval.
5APR is a variable rate. Max APR is 17.9%. Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply.
First 3 Months6Eligible member will receive an introductory rate of 0% for the first 3 months. Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply.
To qualify:
a. Member must open a new home equity line of credit OR refinance an existing Educators Credit Union HELOC with an additional $5,000 added to the line of credit.
as low as7 After the 3-month introductory period, the rate will revert to the current rate. The current rate shown is for homeowners with up to 80% combined loan-to-value. Other rates will apply for loans with a higher loan-to-value. Rates are subject to change, but the rate will not exceed 17.9% APR. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. Property insurance is required. Subject to approval.