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Educators

P O BOX 20728, Waco, TX 76702
NCUA Insured3.7 (48 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1938

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P O BOX 20728

Waco, TX 76702

Service Area

This credit union is located in Waco and serves members in the TX area. Currently serving 27,492 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

3.99%

Used Auto Loan

3.99%

Personal Loan

9.90%

Credit Card APR

9.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(8 total)

Member Reviews

3.7

48 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
V Williams

V Williams

5 months ago

This credit union and I has had history since my childhood. Mostly I will say, I will not bank with anyone else. However, I received a call from bank staff regarding possible fraud on Friday after 4pm which I was working. Several failed attempts were made on Saturday morning before my 10:30 am work day. Finally, I was able to use automated response system and dial 0 to speak to someone. The phone rang 2 times, then went to a busy signal and the phone hung up. This happened twice. My suggestion to this union is if you are open half a day on Saturday, then have an operator to answer the phone. Also, I’m unable to drive to the union since I live 20-30 minutes away. Please fix this.

Liahona Leavitt

Liahona Leavitt

3 months ago

Went to the Waco location on Hwy 6 today for handle some things that weren’t simple to us. They made it simple and got us across the finish line of what was needed! So grateful for this team!

Howard Schnorrbusch

Howard Schnorrbusch

7 months ago

I’ve always have had a great success in borrowing with Educators the staff is knowledgeable and friendly

Scarlett Towery

Scarlett Towery

a year ago

Love this Credit union! No hidden fees, but the best part is the customer care. They go beyond service to customer care. I delt with fraud and identity theft several times over the years with banks. This credit union has protected my account from fraud on multiple occasions within the last 7 years ive been with them due to personal attention and good policy. The president is even diligent and involved. Thank you John Mark and Marcella!

Dustin Ulmer

Dustin Ulmer

3 years ago

Never use Educators Credit Union they are the absolute worst, they gave out my personal information after 13 years of banking with them so it's not like they didn't know who I was. On top of this I lost about $300 which it does not seem like much but that is besides the point however Sarah the branch manager of Hewitt gave my personal information out for someone not listed on the account. After speaking to the highway 6 location of Educators Credit Union I was advised to leave their building and never return as they were being hateful I got yelled at and cursed at and even told that they would report me to the credit bureau for having a negative balance. I've already reported Educators Credit Union for loosing money and fraudulent transactions. They will probably reply saying I owe a negative balance even though it was fraud. Avoid this bank at all cost and if they report me to the credit bureau I'm filing it as fraud. Even more so through all this they have closed peoples accounts without permission from what I learned AVOID THIS BANK

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).