EDUCATIONAL COMMUNITY ALLIANCE is an NCUA-insured credit union located in Toledo, OH. New auto loan rates from 4.30% APR. Google rating: 3.5 out of 5 from 29 reviews.

Educational Community Alliance

3845 Angola Rd, Toledo, OH 43615

NCUA Insured3.5 (29 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Toledo, OH may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsBusiness Loans

Location & Directions

Address

3845 Angola Rd

Toledo, OH 43615

Google Maps 🗺Waze

(419) 381-2323

Service Area

This credit union is located in Toledo and serves members in the OH area. Currently serving 5,286 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

4.30%

Used Auto Loan

5.34%

Personal Loan

15.50%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OH

Lowest rates currently reported by credit unions in OH (NCUA Q1 2026).

540 I.B.E.W.— New Auto Loan

Massillon, OH

3.79%

Dynamic— Used Auto Loan

Celina, OH

4.25%

Doy— Personal Loan

Youngstown, OH

5.78%

Toledo Fire Fighters— Credit Card APR

Toledo, OH

6.62%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Compare Rates in Toledo

See how EDUCATIONAL COMMUNITY ALLIANCE stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Toledo →Best Personal Loan Rates in Toledo →Best Credit Card Rates in Toledo →All Credit Unions in Toledo →

Member Reviews

3.5

29 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Adam Zettel

6 months ago

Great experience getting a car loan with Amy Edgington! She was super responsive and I had the loan completed within 24 hours. I popped by the branch and signed everything in 25 minutes and off I went. They even setup autopay right there!

Sarah Williams

a year ago

They gave me a car loan because my mother is a teacher but I cannot believe this place calls it's self a credit union! They are terrible- they're employees don't answer phone or call back (I've even been privileged enough to hear gossip between employees because they forgot I was on hold), they're employees lied and said I got mail and I didn't so branch decided I'm out $178 (believe employees over customer, go with only making money) I have never been treated like a human being until they learned I work 2 jobs and get student loan checks (yes, I go to college too) I HIGHLY suggest Huntington! 🥰 I have only been treated with compassion (all I ask- I show respect when others do) no worries educational! I'll pay off my car and never associate with this company again Update: they still are doing nothing no matter how many emails I send- I'm still out $178 even with that nice message from the owner-this CU is rude, unresponsive, and just ruins ones day the way they handle people and money

Francella Washington

a year ago

ECACU is an outstanding CU. My Mom and I have been members for decades. They have always been our financial institution of trust, that personal trust you seldom find in national banks. None better than ECACU. Bravo!!!

Ashley H

2 years ago

This credit union has really went down. The customer service that you now receive is nasty and rude. I have been a member of this CU for over 15 years. Whenever I had an issue with my account like I.e(overdraft) they were always willing to correct and assist you with that as courtesy. Now you’re told there is nothing they can do for you. What happen to Hank and his crew? They were wonderful! They say CU or better than banks, please what a joke! My husband banks with PNC and he never has these problems. I mean at least they give 24 hour over draft protection, has zelle options, and low over draft fee if you happen to receive an over draft! Any one considering banking at this CU beware I would HIGHLY recommend taking your money elsewhere!!!