Education 1st

1250 Country Hills Dr, Ogden, UT 84403

NCUA Insured4.8 (22 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1932

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

Membership Eligibility

Anyone who lives, works, or worships in or around Ogden, UT may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1932

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1250 Country Hills Dr

Ogden, UT 84403

Google Maps 🗺Waze

(801) 392-4877

Service Area

This credit union is located in Ogden and serves members in the UT area. Currently serving 2,601 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

5.48%

Used Auto Loan

6.29%

Personal Loan

12.43%

Credit Card APR

11.80%

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 UT

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

New Heights— New Auto Loan

Logan, UT

2.50%

Horizon Utah— Used Auto Loan

Farmington, UT

4.84%

Hi-Land— Personal Loan

Salt Lake City, UT

7.73%

Kings Peak— Credit Card APR

Roosevelt, UT

8.24%

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

Branches & Locations(3 total)

Member Reviews

4.8

22 Google reviews

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

View on Google Maps

Matt Froling

4 years ago

Education First Credit Union has always had the best customer service! They are helpful, knowledgeable, and understanding. They have excellent interest rates, and I have never worried about my moneys safety. This local credit union is much more finically stable than any of the major banks. Local first is the way to be! They have often been active in the local community. If you appreciate a positive local business than Education First Credit Union is for you!

Nathan Young

8 years ago

This credit union is great for the most part. The staff is always friendly and because their customer base is smaller, they often recognize and remember you as a customer. Love that service! However, they aren’t the most convenient due to the lack of locations and poor quality app/online banking. Their servers crash consistently leaving members without access to online services for over an hour or more at times. Education First only has 3 locations, so if their servers go down you are forced to call or visit one of the 3 branches with limited hours.

Elsy Galarza

10 months ago

Great bank, love them and their employees! They're sweet hearts and they did a cute coloring sheet constipation for the little ones🫶🏼

Lonny N

4 years ago

This is the best credit union around! I worked at Wells Fargo, the Zions Bank and now I found my financial fit here at Education First Credit Union! The member service is unsurpassed! E1CU offers all of the financial services you could want from the big dogs but with home town attention where everybody knows your name!

Alicia Sekiller

5 years ago

It isn't often that I experience amazing customer service with every employee I interact with. EFCU is one of the smallest credit unions I have ever worked with, and I am just constantly blown away by their amazing customer service. The women in the loans department, Katrina and Mallory have always been soo fast with their process and are always so friendly. We live in Salt lake city and will continue to use them for our loan and credit card needs.