Enjoy exclusive discounts and smart banking promotions when you join Education First.
Our loan and mortgage rates work in the best interests of our members in Texas and beyond.
* APR = Annual Percentage Rate
See credit card disclosure for rate and offer information.
* APR = Annual Percentage Rate
Limited time offer:
4.99% APR on Balance Transfers for 6 months
Education First Gold and Platinum Visa both offer 4.99% APR on balance transfers for 6 billing cycles. At the end of this period, standard rates apply based on individual credit worthiness.
*APR - Annual Percentage Rate. Rates depend on individual creditworthiness and are subject to change.
The Annual Percentage Rate (APR) for Shared Secured Loans will be the dividend rate being paid on regular shares (Index) on the date of the advance plus 3%. The rates are subject to change on the first day of each calendar month to reflect any change in the Index. If there is an existing balance on the date of the rate change, the entire balance will be at the new APR. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid. The present annual percentage rate will be disclosed on the voucher at the time of the advance.
Contact Us Today
Visit a Branch
Become a Member
Apply for a Loan
If you click 'Continue' an external website that is owned and operated by a third-party will be opened in a new browser window. EFFCU provides links to external web sites for the convenience of its members. These external web sites may not be affiliated with or endorsed by the bank. Use of these sites are used at the user's risk. These sites are not under the control of EFFCU and EFFCU makes no representation or warranty, express or implied, to the user concerning:
Using a hyperlink may identify you as a EFFCU member to the operator of the external site.
EFFCU does not provide and is not responsible for the product, service or overall website content available at these sites. The privacy policies of EFFCU do not apply to linked websites and you should consult the privacy disclosures on these sites for further information.
If you click 'Cancel' you will be returned to the EFFCU website.
Explore all of the new features and functionality, thoughtfully designed to help you simplify your finances and save you time.
We added the login to the main menu, so you can access online banking quickly and easily.
We gave our print and video content a major boost to help you make informed decisions about important financial matters.
Connect with us instantly during business hours for a real-time conversation and get answers to your questions.
Find lifestyle content, commentary, community information, financial articles and more in “The Vault.”
This tool makes it easier than ever to find one of our branches or ATMs.
Receive product and service recommendations just for you based on your current life stage, lifestyle or goals.
Use our quick how-to videos to learn how to get the most out of our time-saving online and mobile banking services.
Thank you for checking out our site tour! If you have any questions, please Contact Us or use our Live Chat feature – located at the bottom left corner of your screen!