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.

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.

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Rates

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.

ATM/ Shared Branch Finder

Kirby Kangaroo Club Members

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Coronavirus (COVID-19) Update and Credit Union Resources

Our drive-thrus are open to serve you, and member support is just a phone call away.

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) and local authorities, including taking the steps necessary to reduce the threat of COVID-19 exposure to employees and members. These recommendations led us to close the lobbies at our offices.

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’re Here to Help

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

Following is a list of resources available to you through the credit union:

ATMS

If you need cash, you have free access to over 30,000 ATMs in the CO-OP Network, including at all three ECCU locations. Find your nearest ATM by accessing this link:

https://co-opcreditunions.org/locator/?

Teller Transactions

Although our lobbies are closed until further notice, our Springfield and Ozark locations continue to serve members in our drive-thrus. Our Branson office does not have a drive-thru but continues to serve members by phone (417-339-3954). The office also has a night depository which we are checking regularly throughout each business day.

Virtual Transactions

ECCU offers a variety of free electronic services for your convenience. This is the perfect time to take advantage of them. Online banking is available through the credit union’s website and offers 24/7 access to your account, as well as a bill pay feature. In addition to 24/7 account access, our mobile banking application, ECCU On the Go, allows you to deposit checks using your phone. Need help setting up these services? Call one of our three offices.

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 www.educationalccu.org to apply or contact any of our offices.

Branson: (417) 339-3954 Ozark: (417) 485-3661 Springfield: (417) 831-0534, ext. 708