Skip to content
ATV Featured Rate Icon 75x75 (1)

Recreational

Starting At
4.50% APR
Learn More
house-icon-2x

Home Loans

Starting At
5.536% APR
Learn More
speedo

Vehicle Loans

Starting At
2.99% APR
Learn More
card-1

Credit Card

Starting At
3.99%* Intro Rate APR
Learn More

Your Southeast Texas Credit Union — Low Rates, Local Service

Membership

Not a member yet? Join today.

Joining Education First offers benefits such as reduced loan rates, exclusive member advantages, money-saving programs and more!

Get Started

Buy Now, Pay Later

Say Hello to Buy Now, Pay Later!

Get extra funds fast for your purchases and spread those payments over time.

Learn More

How can we help you today?

Checking Accounts

Customized Checking Accounts that fit your needs. 

Learn More

Home Loans

Our expert lending team is ready to help. Explore your home lending options now and make the process a breeze!

Learn More

Auto Loans

Be on your way to your next new ride with flexible repayment plans, and no payments for 90 days. 

Learn More

 

Hear what members have to say.

EF-Mobile
Mobile App

Bank anytime, anywhere.

The Education First mobile app is a convenient and secure way for members to access their accounts, manage their finances on the go and keep track of their spending.

Google Play app store  IOS app store

 

Locations

Find 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.

See All Locations

 

The Most Common Scam Calls and Texts Targeting Texans in 2026

The Most Common Scam Calls and Texts Targeting Texans in 2026

At Education First FCU, protecting our members from fraud is one of our top priorities.

Learn More
The Hidden Costs of Car Ownership: Budgeting Beyond the Payment

The Hidden Costs of Car Ownership: Budgeting Beyond the Payment

Whether you’re cruising down Eastex Freeway or heading out for a weekend at Sam Rayburn Lake, there is nothing quite like the feeling of being behind the wheel of a new car. When most of us shop for a vehicle, we tend to focus on one primary number: the monthly loan payment. However, at Education First Federal Credit Union, we want to help our Southeast Texas neighbors see the full picture. The "sticker price" is just the beginning.

Learn More
The Evolution of American Banking Over 250 Years

The Evolution of American Banking Over 250 Years

America is celebrating its 250th birthday, and a lot has changed over the past two and a half centuries, especially the way Americans manage their finances. 

Learn More