Business Details
50+ Years
experience
Your Trusted Financial Partner in the Texas Panhandle
Education Credit Union is a member-owned financial cooperative dedicated to empowering financial prosperity through personalized banking solutions. Established in 1935, we prioritize our members' success by offering competitive loan rates, innovative savings products, and comprehensive financial education. Our not-for-profit structure ensures that every decision aligns with members' best interests, fostering long-term trust and community impact. With local expertise and a commitment to technological advancement, we provide 24/7 digital banking access alongside personalized in-branch service.Our team of certified professionals delivers tailored financial strategies, emphasizing transparency, ethical practices, and exceptional member experiences. Recognized for workforce development and community leadership, we actively support local initiatives while maintaining rigorous compliance with NCUA regulations to safeguard member assets.
Services
Auto Loans
Mortgage Loans
Visa Credit Cards
Share Savings
Money Market Accounts
Personal Loans
RV Financing
Boat Loans
Refinancing
Financial Education
Details
- Year established: 1935
Highlights and features
- We offer member-owned cooperative banking with personalized financial solutions
- Our 90-year legacy demonstrates deep local market expertise and community commitment
- We provide 24/7 digital banking access with competitive NCUA-insured products
- Our certified mortgage professionals deliver tailored home financing strategies
- We prioritize financial education and community development initiatives
Associations and certifications
- NCUA
Services
Auto Loans
We provide competitive auto loans for new and used vehicles with terms up to 84 months. Our members receive 100% financing options and pre-approval assistance before dealership visits. The service includes motorcycle and RV financing with flexible terms tailored to individual credit profiles.
Mortgage Loans
Our mortgage programs include conventional loans, refinancing options, and home equity products with terms up to 30 years. Local approval processes and low down payment options support first-time homebuyers. Certified mortgage originators provide personalized guidance through the entire home buying journey.
Visa Credit Cards
We offer VISA Platinum Cash Rewards cards with 1% cash back on all purchases. Features include purchase security, cell phone protection, and no annual fees. Members access real-time mobile banking and immediate card replacement services for lost or stolen cards.
Share Savings
Our Primary Share Savings account establishes membership with a $5 minimum deposit. Members earn dividends calculated daily while maintaining unlimited transaction access. The account serves as both ownership share and primary savings vehicle with additional member benefits.
Money Market
We offer tiered money market accounts with tiered minimum requirements. The standard option requires $500 minimum balance while the Super Money Market needs $25,000. Both provide higher dividend rates than standard savings with limited monthly withdrawal capabilities.
People
Brittnie Aguirre
Mortgage Director
Certified mortgage professional with specialized expertise in home financing solutions. Leads ECU's mortgage team in delivering personalized loan origination services to Texas Panhandle residents.
Matthew Stuart
Mortgage Originator
Experienced loan officer providing tailored mortgage solutions for first-time homebuyers and refinancing clients. Combines local market knowledge with comprehensive financial expertise to serve ECU members.
Hugo Hernandez
Mortgage Originator
Certified mortgage specialist focused on helping members achieve homeownership goals. Offers personalized guidance through the loan application and approval process with community-focused financial solutions.
Questions
What makes credit unions different from banks?
Credit unions are not-for-profit cooperatives owned by members, while banks are shareholder-owned corporations. We return profits to members through better rates and lower fees.
How do I qualify for membership?
Eligibility includes living, working, or studying within 10 miles of our branches, employment in education sectors, or family relationships with existing members.
What loan options are available?
We offer auto loans, mortgages, home equity loans, personal loans, RV financing, and boat loans with competitive rates and flexible terms up to 84 months.
How can I access my accounts?
24/7 access through online banking, mobile apps, text banking, and automated phone services. In-person assistance available at all branch locations during business hours.
Are my deposits insured?
All deposits are NCUA-insured up to $250,000 per membership with additional coverage through Excess Share Insurance Corporation for balances exceeding standard limits.
What community programs do you support?
We sponsor local events, donate to charities, and operate educational initiatives like our Kids Credit Union program during National Youth Savings Month.
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