Educators Credit Union understands the diverse needs of our members. Knowing this, we strive to keep our services affordable, our accounts safe and accessible.  Whether it's checking, savings, or a loan, we have an account to fit your needs. There are links below for more information regarding accounts and services. 

Savings: Regular Shares Savings CUB (0-12 yrs.) TEAM (13-17 yrs.) CD's & IRA's	Checking: Regular Checking TEAM Direct Choice Club 55 Money Market	Loan Department: Our Loan Department offers a wide range of loans, including Home & Home Equity Loans.
Other Services include:          Payroll Deduction          Cashiers Checks          ATM & Debit Cards          Safe Deposit Boxes	Master Card      Money Orders      Travelers Checks Starplex Cinema Tickets	Wire Transfers     Free Home Banking     Free Bill Pay     Overdraft Protection

OVERDRAFT PROTECTION

• Overdraft Protection does not cover ATM withdrawals.                     
• If you need overdraft protection every now and then, ask about other choices and services that are right for you.
• If your check is paid by overdraft protection you will be charged an "overdraft fee" (the same as the current insufficient check fee) per item.
• Keep track of how much you have in your account by keeping your account register up-to-date.
• Be sure to write down ATM and debit card transactions.
• Keep an eye on your account balance. You have account access 24 hours a day, 7 days a week, through our Home Banking site; ECU's audio response system is also available 24/7 at 254-751-5871 or 800-460-1331.
• Do not count on "float" time! Check processing is much faster than in the past; your check could clear as quickly as the next business day.

Lost or Stolen                                
MasterCard or MasterCard Checking Card (Debit Card)             

• If your ECU MasterCard or Debit Card is lost
  or stolen call 800-442-4757 immediately.

A MasterCard or Gold MasterCard from ECU gives members expanded purchasing power and security. There is no annual fee and the credit card can be used to obtain cash advances at thousands of Automated Teller Machines (ATMs) throughout the United States.

A low fixed Annual Percentage Rate (APR)
25-day grace period on purchases.