Educational Systems Credit Union Bowie MD | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Educational Systems, your trusted credit union located at 15998 Annapolis Rd, Bowie, MD 20715. Since our establishment in 1955, we have proudly served our community with a commitment to member satisfaction and financial empowerment. With nearly 90,000 members and total assets exceeding $1.27 billion, we are dedicated to providing personalized banking services that fit your unique needs. At Educational Systems, we believe that everyone deserves access to quality financial services. That's why we offer a range of products including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Whether you're looking to save for the future or finance a new vehicle, our team is here to help you every step of the way. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 179, Greenbelt, MD 20768. Our friendly staff is ready to assist you during our lobby hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. You can reach us at 301-779-8500 for any questions or assistance. Under the leadership of CEO Girado Smith and Board President Alonia Sharps, we strive for excellence in everything we do. Our dedicated team of 212 employees works tirelessly to ensure that your banking experience is seamless and rewarding. With over $68 million in total deposits and a net worth of $136.6 million, you can trust that your money is safe and well-managed with us. Join our growing family today! Visit our website at www.esfcu.org to learn more about membership eligibility or apply for a loan online. We look forward to helping you achieve your financial goals!

Branch History & Mission

Commitment to Excellence

At Educational Systems, we believe that financial services should be accessible to everyone. We ensure ADA compliance and strive for customer-centric initiatives that enhance your experience whether through online banking or mobile payments. Our drive-thru service allows for quick transactions while maintaining the personal touch you deserve. While members can visit us at 15998 Annapolis Rd, official correspondence should be sent to PO Box 179, Greenbelt, MD 20768. Our operating hours are convenient: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM.

Join Us

Our commitment extends beyond banking; it's about building a better future together. We actively seek partnerships within the community to provide outreach programs and resources that make a real difference in people's lives. With every new member who joins us at Educational Systems, we grow stronger as a community. We invite you to become part of our legacy. Experience firsthand how Educational Systems can help you navigate your financial journey with care and expertise. Visit us today or learn more about membership by visiting our website or calling us at 301-779-8500. Together, let's create a brighter tomorrow!

Our Story

Located at 15998 Annapolis Rd, our branch stands as a cornerstone of the Bowie community. From humble beginnings, we have continuously evolved to meet the needs of our members and adapt to changing times. We take pride in being more than just a place for banking; we are a dedicated member of the community. Our growth reflects not just numbers but the relationships we've built and nurtured over the years. As part of our mission, we aim to offer personal banking solutions that empower our members to achieve their financial goals. Whether it's providing checking and savings accounts, auto loans, or credit cards with rewards, we focus on delivering services that truly benefit those who walk through our doors. In addition to these offerings, we also emphasize community involvement and support initiatives that uplift those around us.

Branch Location & Accessibility

Operating Hours

We understand that your time is valuable, which is why we offer flexible operating hours. You can visit us Monday through Thursday from 9:00 AM to 5:00 PM, on Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. Whether you're stopping by for personal banking services or simply need assistance with your accounts, we're here for you during these hours.

Services Offered

At Educational Systems, we provide a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our friendly team is ready to help you navigate your financial journey. Plus, with both ATM availability and drive-thru banking options, accessing your funds has never been easier! If you have any questions or need assistance before your visit, feel free to call us at 301-779-8500. We look forward to welcoming you into our branch and helping you achieve your financial goals!

Member Eligibility

At Educational Systems, we believe that joining our community is more than just opening an account; it's about becoming part of a family dedicated to supporting one another. Becoming a member is simple and welcoming! If you live, work, or go to school in the area, you're likely eligible to join us. We also welcome family members of existing members. This means that whether you're just starting your financial journey or looking for a place that truly cares about your needs, you'll find a home here. To get started, visit us at 15998 Annapolis Rd Bowie Md 20715 or give us a call at (301) 779-8500. For more detailed information on eligibility criteria, check out our website at http://www.esfcu.org/about/membership/join-us . Opening an account is straightforward and can be done online or in-person; for details on how to apply, you can visit http://www.esfcu.org/apply-for-a-loan . We're excited to have you as part of our community and look forward to helping you reach your financial goals!

Business Banking & Commercial Services

Lending Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions that adapt to your needs.

Merchant Services That Simplify Operations

Imagine processing payments with ease, whether you're at a bustling market or running an online store. Our merchant services enable you to accept payments quickly and securely, allowing you to focus more on serving your customers rather than worrying about transactions. From mobile payment options to point-of-sale systems, we provide tools designed to enhance your business operations. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses in our community. Come visit us at 15998 Annapolis Rd Bowie Md 20715 in Bowie, MD and discover how Educational Systems can be your partner in success. Reach out today at (301) 779-8500!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're planning to buy a new or used vehicle, our auto loans offer competitive rates and flexible terms. We understand that purchasing a car is a significant decision, so our friendly staff is here to guide you through the financing process, ensuring you find a plan that suits your budget.

Business Banking

For our business members, we provide essential banking services such as merchant services and business loans. Running a business can be challenging, but with our support, you can focus on what matters most growing your company.

Convenient Services

At Educational Systems, we also have basic drive-thru banking available for quick transactions like deposits and withdrawals without stepping inside the branch. Our ATM services allow convenient access to cash whenever you need it. For more information about how we can assist you with these services or any other inquiries, feel free to reach out at (301) 779-8500. We invite you to visit us at 15998 Annapolis Rd Bowie Md 20715 or explore our offerings online at Bowie. Let's work together towards achieving your financial aspirations!

Credit Cards with Rewards

We offer credit cards with rewards programs that let you earn points for every dollar spent. Whether you're using it for everyday purchases or special occasions, these rewards can add up quickly, giving you benefits like cashback or travel perks.

Digital Banking Features

Our commitment extends beyond traditional banking hours with robust online and mobile banking features. You can easily manage your accounts anytime through secure platforms designed for ease of use. Whether it's making deposits through mobile apps or accessing ATMs for cash withdrawals, we've made it simple for you.

Mortgage Loans & Refinancing

Looking for a home? Our mortgage loans provide various options to help you secure your dream home. We also offer refinancing solutions that can lower your monthly payments or reduce your interest rate. Imagine owning your home sooner than expected while enjoying peace of mind with manageable payments.

Personal Banking

Our personal banking services include checking and savings accounts designed to fit your lifestyle. Whether you're saving for a special occasion or managing daily expenses, we have the right account for you. Imagine having easy access to your funds through online and mobile banking, allowing you to check balances, transfer money, and pay bills from anywhere.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans can help cover emergencies or large purchases. Additionally, if you're juggling multiple debts, consider our debt consolidation options that simplify repayments into one manageable monthly payment.

Digital & Online Banking

Enhanced Security and Accessibility

Security is our top priority. Our digital banking services utilize advanced technology to ensure that your personal information remains safe. You can use mobile payments for quick transactions without worrying about compromising your financial data. Additionally, our person-to-person transfer feature lets you send money directly to friends or family with just a few clicks, making it easier than ever to share expenses or help someone out in a pinch. Whether you're at home or out running errands, our user-friendly online banking tools put you in charge of your finances with real-time account management. Join us at Educational Systems and experience the future of banking today!

Key Features

Our online banking platform allows you to manage your accounts effortlessly. You can check balances, transfer funds, and pay bills all in one secure location. Plus, with the option for electronic signature authorization, you can sign important documents right from your device, saving you time and effort. E-statements are another fantastic feature available to our members. Instead of waiting for paper statements, you can receive your account summaries electronically, helping you stay organized while also being eco-friendly. And if you're always on the go, you'll love our mobile application, which provides access to all these features right at your fingertips.

Financial Strength

A Growing Community

Our strong commitment to our members is further illustrated by the fact that we have 180,061 share and deposit accounts. This growing member base indicates the trust you place in us to manage your finances effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Educational Systems is your trusted partner. Visit us at 15998 Annapolis Rd Bowie Md 20715 or call (301) 779-8500 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Committed Team for Exceptional Service

We also take pride in having 212 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. This dedication reflects our operational efficiency; our $0 shows that we're well-positioned to continue offering competitive loan rates and solid financial products for our members.

Investment in Your Future

With $116,288,848 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $13,255 in used auto loans and $869,532,467 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Our Solid Financial Base

With a net worth of $136,591,321, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,071 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Secured Savings for Members

Members' savings are secured through $244,306,034 in share certificates and $114,845,216 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $285,041, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $270,234,614 in used vehicle loans and $147,627,223 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our team is here to guide you through the process.

Credit Cards and Lines of Credit

We also offer flexible terms on unsecured credit card loans, with a total of $49,637,548 in loans helping members manage their finances effectively. Additionally, our credit lines total $339,872,877, giving you access to funds when you need them most without the hassle of reapplying each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $96,027,667, make buying or refinancing simple. We provide personalized assistance to help you navigate through various mortgage options and find the best fit for your budget and lifestyle.

Refinancing Options

If you're considering refinancing an existing loan, we have options available that could save you money over time. Whether it's an auto loan or mortgage, speak with our knowledgeable staff to explore eligibility options tailored to your situation. Our branch at 15998 Annapolis Rd Bowie Md 20715 in Bowie, MD, is ready to assist you. If you have questions or would like to apply for a loan, don't hesitate to give us a call at (301) 779-8500. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Educational Systems, we're dedicated to empowering our members with the resources they need for successful financial management.

Loan Aggregator

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Ensuring Accurate Comparisons

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EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION - Bowie, MD