Employee Benefits

Free financial services designed to improve the financial wellbeing of employees.

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What Makes Educators Different?

When you join Educators Credit Union, you will gain convenient access to an abundance of member-owner benefits.

Digital Services

  • Educators Video Banking

    Digital appointments are now available using Educators Video Banking. Use your computer or the Educators Video Banking app on your phone or tablet for a video meeting with staff. Get help with opening an account, applying for a loan, account management or any questions you may have.

  • Online Account Opening

    You can complete an application to open an account in less than 10 minutes. Plus, ClickSwitch can help move your direct deposit and automatic payments quickly and securely from another financial to your new Educators account.

  • Online and Mobile Banking

    Manage your finances anywhere with Online Banking and the Mobile Banking app. Transfer money, pay bills, deposit checks from your phone and more. You can also check and monitor your credit score for free.

  • The Ctrl App

    The Ctrl app helps protect you against fraud by monitoring and managing your Educators credit and debit cards. Ctrl lets you turn cards on or off, set spending restrictions, and get instant real-time purchase notifications when your card is used.

Financial Wellness

  • Financial Wellness Tools

    Educators created a one-stop online resource for financial education articles, financial literacy tools, and  short videos on important financial topics.

  • Consumer Credit Counseling

    Members have access to budget and debt counseling through nonprofit partner, GreenPath™ Financial Wellness.

Loans and Savings

  • VISA® CREDIT CARDS

    The Visa® Signature Card gives 1.5% cash back on purchases. Card users can also access other great perks like skip-a-payment options in January and mobile phone protection when you pay your phone bill with this card.

  • First-time Homebuyers Mortgages

    Finance your first home with as little as 3% down, very low closing costs and other perks.

  • Student Loans

    Educators Credit Union partners with LendKey to help members receive money for college costs or to refinance existing student loan debt.

  • Saver's Sweepstakes

    Members can save and win with this prize-based savings account equipped with monthly, quarterly and annual cash prizes.

Perks

  • Member Loyalty

    Educators Credit Union members can earn up to ­­$187 per year just for using our products and services.

  • Points for Perks

    Earn rewards on all non-PIN debit and credit card purchases. Points can be used for cash back, rate discounts, travel and gift cards.

  • Educators Vehicle Solutions

    Our vehicle specialists can help find the right new or used car for your specific needs at a low, hassle-free price. We help people save hundreds and even thousands of dollars on their next vehicle purchase or lease!

  • Instant-Issue Debit and Credit Cards

    New cards can be instantly printed or replaced at any Educators branch. Mobile wallets like Apple Pay or Google Pay are also available for all your Educators cards!

Fee-Free ATMs

Members can use more than 60,000 fee-free ATMs nationwide through the Allpoint and Alliance One ATM network.

Looking to open an HSA?

A Health Savings Account is exclusively used to pay for qualified medical expenses when you are enrolled in a high-deductible health plan (HDHP). Use it for current health expenses and save for future health expenses. Please talk to your employer’s benefits specialist to determine if you are eligible.

Our HSA offers a competitive rate with no minimum balance or annual fee except the initial $25 set-up fee. We will instantly issue an HSA debit card to let you conveniently pay for your qualified medical expenses. You can keep the account even if you change jobs, change your medical coverage or become unemployed.

Make contributions to your account in any amount (up to contribution limits), at any time. Contribution limits for 2021 are $3,600 if you have Single HDHP coverage or $7,200 if you have Family HDHP coverage. Out-of-pocket contributions are tax-deductible and HSA earnings are tax-deferred. Withdrawals are tax-free when used for qualified medical expenses.1