Real People, Real Moments
Life doesn’t happen in a perfect picture. It happens in the everyday moments, the unexpected adventures and the milestones you’ll remember for years to come. At Education First, we’re proud to be part of those moments and to serve real people in the communities we call home.
Unlock Your Rate Escape with a Home Loan Today!
A better mortgage could be closer than you think. Discover how Rate Escape and our local mortgage team can help you find the right home loan solution.
Everyday Banking for Big and Small Moments
Some moments are big enough to change your life. Others are the little things that make it worth living. From your first car and a new home to dinner with family and the adventures in between, Education First is here with the banking and financial tools to help you make the most of every moment.
For the Moments Worth Remembering
The best moments aren’t always the ones you plan. They’re the road trips, celebrations, milestones and ordinary days that somehow become memories. We gave our members disposable cameras to capture the moments that matter to them and got a glimpse of the people, places and memories that make our community special.
Your Southeast Texas Credit Union — Low Rates, Local Service
How can we help you today?
Customized Checking Accounts that fit your needs.
Our expert lending team is ready to help. Explore your home lending options now and make the process a breeze!
Be on your way to your next new ride with flexible repayment plans, and no payments for 90 days.
Hear what members have to say.
"Love the energy of EVERY employee. I'm immediately happy upon entering. Never had an issue that wasn't solved in a timely manner and little to no wait times."
"Victoria at the Lumberton EFFCU just made my day. Our church had someone donate a huge jar of coins, and I was facing hours counting it all and dealing with it. She helped me take care of it quickly despite the atypical ask, all with a lovely smile and polite, professional service that tells you she is one of those folks who is beautiful inside and out. EFFCU has a gem, and continues to be our financial center of choice."
-- Craig C., February 2026"I bank here also! I’ve always used their services, gotten my last car loan here and was extremely pleased with my total loan transaction!"
-- Laura C., December 2025"I always receive exceptional services. I am treated like family and always greeted. They are always willing to help with everything!"
-- Shannon S., October 2024"I have been a loyal customer since the 1970s. The name has changed and they have opened new locations, but that's growth. I love the friendly and fast service. If I call or come in, communication is always helpful. I love the way different branches assist and are team players and problem solvers."
-- Mary Saveat, October 2023Find a Branch or ATM Near You
Find the nearest Education First branch or ATM to your current location. Search for branches and ATMs by city, state, or zip code, and provides you with the location, address, and hours of operation for each location.
How to Buy a Home in Beaumont, TX Without a 20% Down Payment
Learn how to purchase a home in Southeast Texas without a 20% down payment! 🏘️
Your Best Card: A Closer Look at Our 3.99% Intro APR Offer
For a limited time, qualifying Education First FCU credit cardholders can take advantage of a 3.99% introductory APR for the first six months 💳
Employee Spotlight: Treayana Williams
Meet Treayana Williams, one of our Consumer Loan Servicers!🚗🌟





