Educational Systems Credit Union Clarksburg MD | Best Auto Loans & Business Banking

Introduction

Welcome to Educational Systems, your trusted financial partner located at 23225 Stringtown Rd, Clarksburg, MD 20871. Since our establishment in 1955, we have been dedicated to providing exceptional banking services tailored to the needs of our community. With a proud membership of 89,689 and total assets exceeding $1.27 billion, we strive to empower our members with financial tools that foster growth and stability. At Educational Systems, we understand that financial success is built on trust and reliability. Our team, led by CEO Girado Smith and Board President Alonia Sharps, is committed to serving you with integrity and care. We offer a variety of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions all designed to meet your unique needs. While members can visit us at our Clarksburg branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 179, Greenbelt, MD 20768. Our branch is well-equipped with an ATM for your convenience and operates during flexible hours: Monday to 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. With total deposits of $68,017,119 and cash in hand amounting to $8,699,037, we are financially strong and ready to support you in achieving your goals. Whether you're looking for a loan or want to explore investment opportunities, we're here for you every step of the way. We invite you to explore our website at Educational Systems for more information about our services or give us a call at 301-779-8500. Join us on this journey towards financial empowerment today!

Branch History & Mission

A Legacy of Service

At Educational Systems, located at 23225 Stringtown Rd, Clarksburg, MD 20871, we are proud of our rich history and commitment to our members. Since our inception in 1955, we have grown from a small cooperative to a thriving financial institution with over 89,000 members and total assets exceeding $1.27 billion. Our journey reflects a dedication to serving the financial needs of our community, ensuring that every member has access to the resources they need to achieve their goals.

Community Commitment

Educational Systems takes pride in its community involvement. From sponsoring local events to offering financial literacy programs, we strive to make a positive impact in Clarksburg and beyond. Our partnerships with local organizations allow us to extend our reach and help those who need it most. While members can visit us at our main branch location in Clarksburg, official correspondence should be sent to PO Box 179, Greenbelt, MD 20768.

Join Us

If you're looking for a credit union that prioritizes your well-being and community support, look no further than Educational Systems. Experience the difference that comes from being part of an organization dedicated not just to banking but also to enhancing lives. Visit us today or call us at 301-779-8500 to learn more about membership benefits and how we can assist you on your financial journey!

Modern Banking Solutions

As times change, so do we. At Educational Systems, we embrace digital advancements while ensuring ADA compliance for all members. Enjoy the convenience of online banking, mobile payments, e-statements, and more all designed with your needs in mind. Our ATM services are available for quick access to your funds anytime.

Our Mission

Our mission is simple yet profound: to provide exceptional financial services while fostering strong community ties. We believe that banking should be more than just transactions; it should be about building relationships and supporting one another. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgages, or business services such as merchant services and business loans, we are here for you. We aim to empower individuals and families through sound financial education and responsible lending practices.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Nestled in Montgomery County, our branch is just a stone's throw away from popular spots like the Clarksburg Premium Outlets and local parks. This makes it simple for you to stop by while enjoying your day out. We prioritize accessibility for all members; our branch is ADA compliant, featuring ramps and designated parking spaces to ensure everyone can access our services comfortably.

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. Whether you're looking to open an account, apply for a loan, or simply ask a question, we're here during these hours to assist you.

Services Offered

At Educational Systems, we strive to meet all your banking needs under one roof. From checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is ready to help you navigate your options. We also have an ATM available for quick cash withdrawals and balance checks. Unfortunately, we do not currently offer drive-thru services or shared service center options. If you need assistance or have any questions about our services, feel free to give us a call at 301-779-8500. We look forward to welcoming you at our Clarksburg branch soon!

Member Eligibility

At Educational Systems, we believe that everyone deserves the chance to be part of a caring and supportive community. Becoming a member is simple and rewarding! If you live, work, or go to school in the areas we serve, you're likely eligible to join us. We welcome individuals from all walks of life, making it easy for you to access our range of financial services designed with your needs in mind. For more detailed information about eligibility criteria, feel free to check out our website at http://www.esfcu.org/about/membership/join-us . Once you've confirmed your eligibility, opening an account with us is a breeze! Just head over to our account opening page at http://www.esfcu.org/apply-for-a-loan , and you'll find everything you need to get started. If you have any questions or need assistance, don't hesitate to give us a call at (301) 779-8500. Join us at Educational Systems, located at 23225 Stringtown Rd Clarksburg Md 20871, and experience the benefits of being part of our family!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. Imagine a local café wanting to renovate and expand its seating area. With access to our commercial loans, they could secure the funding needed to transform their vision into reality, attracting more customers and increasing sales.

Merchant Services

In today's fast-paced world, efficient payment processing is crucial for success. That's where our merchant services come into play. Picture a retail shop that integrates mobile payments for quick checkouts customers appreciate the convenience, and the shop benefits from faster transactions and happier patrons. Choosing Educational Systems means you're not just getting a bank; you're gaining a partner dedicated to your success. Visit us at 23225 Stringtown Rd Clarksburg Md 20871 or call (301) 779-8500 today to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, we provide comprehensive Business Banking services including merchant services and business loans. Whether you're starting a new venture or looking to grow an existing one, we have the resources and support to help you succeed.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features allowing you to manage your accounts from anywhere. With easy access through our mobile app, performing transactions such as ATM withdrawals and balance checks is just a click away. At Educational Systems located at 23225 Stringtown Rd Clarksburg MD 20871, we're here to support all your financial journeys. If you have questions or need assistance, don't hesitate to reach out at 301-779-8500. Visit us today or explore more about what we offer by checking out our website at esfcu.org. Join us in creating a brighter financial future!

Financing Your Dreams

Thinking about a new car? Our Auto Loans & Vehicle Financing solutions provide competitive rates to help you get behind the wheel without breaking the bank. Picture driving off in your new vehicle while knowing you secured an excellent loan through us. If homeownership is on your mind, our Mortgage Loans & Refinancing options will guide you through every step of securing a mortgage or refinancing your current one.

Personal Banking Made Easy

Managing your finances is simple with our Personal Banking options. We offer checking and savings accounts that cater to individuals at all stages of life. Imagine having a checking account that fits seamlessly into your everyday routine making purchases, paying bills, and saving for future goals has never been easier.

Personal Loans for Every Need

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation services come in handy. Whether you need funds for a special occasion or want to consolidate high-interest debt into one manageable payment, we can help you find the right solution tailored just for you.

Rewarding Credit Options

Our credit cards not only offer convenience but also come with rewards! With our Credit Cards with Rewards, every purchase earns points that can be redeemed for exciting benefits imagine earning rewards just by shopping for everyday items!

Digital & Online Banking

Key Features

Our online banking platform at https://www.esfcu.org/ is user-friendly and packed with features to help you manage your money with ease. Need to check your balance or pay bills? You can do it all from the comfort of your home or on the go. We also provide e-statements, so you can keep track of your transactions without the clutter of paper statements. For those who prefer mobile banking, our dedicated mobile application allows you to perform transactions right from your smartphone. Whether you're making person-to-person transfers or setting up mobile payments, everything is just a tap away. Plus, with our electronic signature authorization feature, signing documents has never been easier or more secure.

Security and Accessibility

Your security is our top priority. Our online banking system uses advanced encryption technologies to keep your information safe while you enjoy hassle-free access to all your accounts. You can trust that your personal data is protected every time you log in. At Educational Systems, we aim to make banking accessible for everyone. Whether you're tech-savvy or just starting with online services, our platform is designed for simplicity and effectiveness. You can easily manage your account in real-time, allowing you to make informed financial decisions whenever necessary. In a world where convenience matters more than ever, Educational Systems stands ready to meet all your digital banking needs. Join us today and experience how easy banking can be!

Financial Strength

At Educational Systems, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trust is built on transparency, and we are proud to share our financial strength with you. 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 10.71% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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. Our lending capacity supports your financial goals across various sectors with $13,255 in used auto loans and a total of $869,532,467 in loans and leases. Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 212 full-time employees ready to serve you with a knowledgeable and committed team. 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 23225 Stringtown Rd Clarksburg MD 20871 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.*

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 model or a reliable pre-owned vehicle, our team is here to guide you through the process.

Credit Lines

For those needing additional funds for unexpected expenses or projects, we provide credit lines totaling $339,872,877. This option gives you access to cash when you need it without having to reapply for another loan.

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 support to help you navigate the home loan process smoothly and efficiently.

Refinancing Options

If you're considering refinancing an existing loan or mortgage for better rates or terms, our team can assist you with eligibility options tailored specifically for your financial situation. We are committed to finding solutions that align with your financial goals. At Educational Systems located at 23225 Stringtown Rd Clarksburg Md 20871, we're dedicated to serving our community's financial needs. For more information on our loan products or to start your application process today, please reach out 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. Explore how we can help you achieve your financial aspirations!

Unsecured Credit Card Loans

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. Our credit cards come with attractive rewards and benefits designed to enhance your spending experience while keeping your budget in check.

Loan Aggregator

Accurate Loan Comparisons

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Benefits of Using LendMesh

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EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION - Clarksburg, MD