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Wealth Management


Growth and Protection for the Future.

When it comes to saving for college, retirement planning, wealth management, estate planning, solutions and more, the Education First Financial Group team of experienced and licensed advisors is here to help keep your financial future fully funded.

Wealth Management Advisors

With you at every step.

Seeking expert assistance is a wise move whether you’re planning for retirement, saving to send your children to college or just trying to increase your wealth. If you don’t wish to manage your portfolio on your own, Consulting with a registered investment advisor can help you put your money to work in a more effective way.

Meet the Team


Not a member yet? Join today.

Managing your money well is an important part of life. So don't trust that responsibility to just anyone. With Education First, you're more than a member, you are a part-owner! We're a not-for-profit financial cooperative that's uniquely structured to help you improve your financial well-being.

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How can we help you today?


College is an investment that requires careful planning. Start saving today to give you or your children a financial head start.

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You've worked hard to build up your retirement.  We'll create a strategy that fits your financial needs and lifestyle.

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Our team will help you determine which policy types and coverage levels are most beneficial to you and your family.

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Asset Management


Don't juggle your assets. Keep them clear and on track through our various services.

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Hear what members have to say.

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When to Consider a Small Business Loan

When to Consider a Small Business Loan

Many entrepreneurs use personal savings and credit to cover their initial costs because it can be difficult to get a business loan for a startup without a proven track record and credit history. However, relying on credit cards with high interest rates and low credit limits is not a sustainable situation. Applying for a personal loan can help by providing more funds at a lower interest rate than a credit card. But there are significant advantages to having a business loan, so most entrepreneurs should not rely on personal loans indefinitely.
“The responsible use of business loans will help build financial credibility for your company, which will open doors for other opportunities that can help you grow and expand - such as higher lending limits, and trade credit with vendors and suppliers,” writes contributor Ashley Sweren.

Figuring out how and when to transition the bulk of financing from your personal loan, credit, or savings to a business loan becomes much easier when you have built a strong relationship and work closely with your financial institution. The EFFCU Business Lending team can look at your business plans and finances and tell you what types of loans are available to you. It's possible you can currently get a business loan with a favorable rate and don’t have to delay. If you aren’t likely to qualify right now, Business Lending can help determine what steps you can take to become a better candidate in the future.

It’s important to note that you should not wait until you are in dire need of funding to begin your loan application. Obtaining a loan is not instantaneous, so don’t wait until a large piece of machinery breaks or you run out of inventory before beginning your application. Waiting could mean an interruption in business operations and a potential loss of income. If you aren't sure how much you need, don't worry - we have a business loan calculator available for you.

Furthermore, waiting too long could actually have a negative impact on your application.

“The truth is, it’s easier to secure a loan or a line of credit when you don’t need one rather than waiting until the situation is dire,” states Ami Kassar, CEO and Founder of and Guest Writer for Entrepreneur magazine. “If your business is doing well – you have accounts receivable, industry growth is strong, and you have good credit – now is the time to consider a loan or a line of credit.”

Small, community-based financial institutions like Education First are historically known to be more business-friendly than big, national bank chains, so they are a great place to go to discuss this issue further. If you would like to learn more about possibilities for your small business; reach out to Education First FCU's Business Lending Department to begin building a positive relationship that could lead to a more profitable future. If you're ready to get started, you can apply for a business loan today.

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Interested in Cryptocurrency? Here's what you need to know.

Interested in Cryptocurrency? Here's what you need to know.

Cryptocurrency is a word that many know but fewer understand. Survey data shows that 98% of people do not have a basic understanding of what cryptocurrency is. With so much information online and so many terms and concepts, it can be challenging to understand what cryptocurrency is, how you get it, and if these coins are safe investments. 

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How to Save Money on Your Medical Expenses

How to Save Money on Your Medical Expenses

Medical debt in the United States, as of August 2021, was approximately 140 billion dollars, and 45% of Americans state that they would find it difficult to pay an unexpected $500 medical bill.

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Representatives are neither a tax advisor nor attorney. For information regarding your specific tax institution, please get in touch with a tax professional. For legal questions, including a discussion about estate planning, please consult your attorney. 

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Education First Financial Group are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Education First Financial Group, and may also be employees of Education First Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Education First Federal Credit Union. Securities and insurance offered through LPL or its affiliates are:

  • Not Insured by NCUA or Any Other Government Agency
  • Not Credit Union Guaranteed
  • Not Credit Union Deposits or Obligations 
  • May Lose Value 

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with the residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. FR-3382579.1-1220-0123

Check the background of this investment professional on FINRA's BrokerCheck.