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June 5.05

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.


  • Auto loan: As low as 5.99% 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.