The spread of the Coronavirus (COVID-19) has all of our attention. We want to let you know your Educational Community Credit Union family is doing everything possible to keep our employees and you, our members, safe while delivering the best member experience possible.
We’re monitoring and following all guidance from the Centers for Disease Control (CDC), including taking the steps necessary to reduce the threat of COVID-19 exposure to employees and members.
Our branches remain open to serve you. We have an extensive cleaning procedure in place and can conduct additional cleanings if needed. Our team members are also being reminded to ensure their hands are regularly washed or sanitized.
You can pay a bill and transfer funds through the Educational Community website. Use our mobile app to deposit a check, check your account balances or transfer money. Our digital tools empower you to conduct your business quickly and easily.
If you need to access cash, you have free access to over 30,000 ATMs in the CO-OP Network®. You can find your nearest ATM by accessing this link
 Our staff is ready to help you, together we will get through this situation.

As of Wednesday, 3/18/2020, ECCU has implemented a coronavirus pandemic plan to improve safety for our employees and members.

Teller Transactions

To provide tellers and members with adequate social distancing, transactions may only be done in the drive thru.  The lobby is closed until further notice. Since our Branson location does not have a drive thru they will continue to be available to help by phone 417-339-3954 effective 3-21-2020.

Virtual Transactions

We recommend you utilize our online banking services to conduct business.

Loan Transactions

ECCU will continue to meet our members’ needs.  To maintain our social responsibility and safety for our employees and members, all loan transactions can be originated on our website or over the phone and completed electronically.  Please visit to apply or contact us at 417-831-0534 ext. 708


As surrounding localities begin to implement “stay at home” orders to further combat the spread of the Coronavirus (COVID-19), please be re-assured that Educational Community Credit Union remains open to serve you.  Financial services are essential to all members of the community.  While our lobbies are closed, our Springfield and Ozark locations continue to serve members in our drive-thrus, and all three offices are available to assist members by phone, electronically, or by mail.


We know the measures that have been put in place have the potential to adversely affect many members of the community.  If you are experiencing or anticipating a financial hardship as a result of COVID-19, we stand ready to help.  Please contact one of our three offices.


Branson:           417-339-3954

Ozark:              417-485-3661

Springfield:       417-831-0534


Welcome to Educational Community Credit Union

Since 1938, Educational Community Credit Union (ECCU) has been helping members build long-term financial security. The ECCU is founded on the philosophy of "people helping people," and this is what makes ECCU different. ECCU is a member-owned, not for profit, financial institution.

Educational Community Credit Union

As an owner of the credit union, you have a say in credit union issues and affairs. ECCU members join together to encourage savings at a good rate of return, and to use collective monies to make loans to members at competitively low interest rates.

Our goal is to meet the financial needs of members of the educational community and their families in a courteous and efficient manner.

Need a little extra cash this Holiday! Take advantage of our Defer-a-Pay program for either November or December. Click the button for the application.


  • Auto loan: As low as 2.99% APR*
  • Credit card: As low as 9.40% APR*
  • Home Equity: As low as 4.40% APR*
  • * APR=Annual Percentage Rate. All rates and fees are subject to change at any time without prior notification. Please contact the Credit Union for the most current rates.

ECCU Difference

A credit union is the best place to get financial services.

  • A credit union is a cooperative and exists only to benefit its members. A credit union will not merge with a larger institution unless the members voted in favor of that action.
  • As a credit union member, you are an owner – not just a customer.
  • A volunteer board of directors, elected by the membership, directs the credit union. The board’s only interest is ensuring that the credit union operates in a way that benefits its members.
  • A credit union does not have outside stockholders to take profits from the financial institution.
  • A credit union distributes its profits to the members in the following ways:
  • Lower rates for loans and higher rates for deposits.
  • Retained capital to ensure members receive the products and services they want and the credit union remains a strong financial institution.