Switch Your Deposit for a Chance at $250!
Four lucky winners will each receive $250 when they enroll in direct deposit in July!
Win the Ultimate All-American Package!
Make this summer one to remember. Enter for a chance to win the ultimate All-American package!
Classroom Cash is BACK!
Whether it's for classroom supplies, sprucing up your classroom, or advancing your equipment, we've got the loan for you. Learn more about this year's Classroom Cash benefits!
Commercial Lending Built For Your Business
Fuel your business growth with flexible lending and account options!
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.
America's 250th Anniversary: Words With a Navy Veteran
While the Fourth of July is often associated with celebration, it is also a time to reflect on the meaning of service and independence. In recognition of the holiday, we spoke with Aaron, a veteran and member of our team, about his perspective on American values, the Southeast Texas community, and his advice for younger service members and recent graduates.
Beyond the Dealership: Why Getting Pre-Approved for an Auto Loan is Your Best Negotiation Tool | Education First Federal Credit Union
Finding the perfect car is an exciting journey, especially with so many great options cruising around Southeast Texas. Whether you’re eyeing a brand-new truck or a reliable SUV for family trips to the coast, the process usually starts with a test drive. However, before you even set foot on the lot, there is one step that can completely change your car-buying experience for the better: getting pre-approved for an auto loan.
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Employee Spotlight: Jacob Bennett
Meet Jacob Bennett, our Digital Marketing Coordinator! 🌟





