Educational Systems Credit Union Easton MD | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to the Educational Systems at our Easton Branch, conveniently located at 8448 Ocean Gtwy, Easton, MD 21601. Since opening our doors in 1955, we have been dedicated to serving our community and fostering financial wellness among our members. With a robust membership of 89,689 individuals, we pride ourselves on being more than just a credit union; we're your trusted partner in achieving financial goals. At Educational Systems, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking options like checking and savings accounts to various loan products including auto loans, mortgages, and credit cards with rewards. Our total assets of over $1.27 billion and total deposits amounting to $68,017,119 reflect our stability and commitment to providing you with the best financial solutions. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to PO Box 179, Greenbelt, MD 20768-0179. We are here for you Monday through Friday from 9:00 AM to 5:00 PM, ensuring that whenever you need assistance or guidance, we're just a phone call away at 301-779-8500. Under the leadership of CEO Girado Smith and Board President Alonia Sharps, we are committed to supporting not only your financial aspirations but also the well-being of our community. With a dedicated team of 212 employees, we strive to create an environment where every member feels valued and supported. Whether you're looking to open an account, apply for a loan, or simply learn more about what we offer, we invite you to explore our website at esfcu.org or reach out directly by phone. Join us on this journey toward better financial health because at Educational Systems, your success is our priority!

Branch History & Mission

Community Engagement

Our partnerships within the community help us fulfill our mission even further. We believe in giving back and supporting local initiatives that matter most to our members. Whether it's sponsoring local events or providing financial education workshops, we are dedicated to being an active participant in Easton's growth. As we look forward to the future, we invite you to join us on this journey. Experience firsthand how Educational Systems can help you achieve your financial goals while being part of a supportive community. Together, we can build a brighter future. For more information or to become a member today, please call us at 301-779-8500 or visit us online at www.esfcu.org. Your journey toward financial empowerment starts here!

Our Mission

At Educational Systems, our mission is straightforward: to empower our members through exceptional financial services while fostering a sense of community. We strive to offer competitive products such as checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards all designed with your financial well-being in mind. Our commitment extends beyond banking; we actively engage in community outreach efforts that uplift those around us. We pride ourselves on embracing digital advancements that enhance your banking experience. From online and mobile banking options to ATM services available at our branch, we prioritize convenience while ensuring ADA compliance so that everyone can access our services comfortably.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. Visitors will find ample parking space right outside our doors, including ADA-compliant features such as ramps for easy access. Whether you're visiting for personal banking or looking into auto loans and mortgages, we want your experience to be comfortable and straightforward.

Services and Amenities

While you're here, take advantage of our ATM services that are available on-site for quick cash withdrawals and balance checks. Although we do not offer drive-thru banking at this location, our friendly staff is always ready to assist you inside the branch. From checking and savings accounts to credit cards with rewards and business banking services, we have something for everyone. If you have any questions or need assistance, don't hesitate to give us a call at 301-779-8500. We're eager to help you explore your options! Come visit us today at the Educational Systems Easton Branch; we look forward to serving you!

Member Eligibility

Becoming a member of Educational Systems is like joining a family that truly cares about your financial well-being. If you live, work, or go to school in our community, you're already on the right path! We welcome individuals who are part of specific organizations and associations as well. Our goal is to create an inclusive environment where everyone can thrive. For full details on eligibility, feel free to check out our dedicated page at http://www.esfcu.org/about/membership/join-us . Joining us is not just about accessing financial services; it's about being part of something bigger. As a member of Educational Systems, you'll enjoy personalized service and a variety of banking options tailored to meet your needs. Opening an account with us is straightforward just visit our site for more information on how to get started: http://www.esfcu.org/apply-for-a-loan . If you have any questions or need assistance, don't hesitate to give us a call at (301) 779-8500. We're here for you every step of the way!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having the tools to manage transactions effortlessly. Our merchant services help streamline payment processing, making it easier for you to focus on what really matters growing your business. From credit card processing to mobile payment options, we equip you with solutions that enhance customer satisfaction and boost your bottom line. Located at 8448 Ocean Gtwy Easton Md 21601, Easton, MD, we're here to partner with you on your business journey. For more information, call us at (301) 779-8500 or visit our website at https://www.esfcu.org/ . Let's work together to elevate your business!

Tailored Loan Options

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. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Planning to buy a new car? Our auto loans and vehicle financing solutions can help turn your dream into reality. We offer competitive rates and flexible terms that fit your budget. Picture driving off in your new vehicle without the stress of high payments or hidden fees.

Business Banking Services

For our entrepreneurial members, we offer business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have tailored solutions that help foster growth in your business.

Convenient Access & Support

Our branch offers ATM services for quick cash withdrawals and balance checks. Plus, with features like mobile payments and person-to-person transfers, managing your finances has never been easier. With all these services available at Educational Systems, we're committed to ensuring that you have everything you need under one roof. If you have questions about any of our offerings or need assistance, feel free to reach out at 301-779-8500 or visit us during our lobby hours from Monday to Friday between 9:00 AM and 5:00 PM. Ready to take the next step? Explore our services further or apply for an account today by visiting our website!

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing an existing mortgage, we're here to assist you every step of the way. Our mortgage loans come with favorable rates and personalized guidance throughout the process. We want to help you find the right home loan that suits your lifestyle.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are tailored just for you. Imagine having the freedom to manage your money effortlessly through online and mobile banking. You can check your balance, transfer funds, and even pay bills right from your phone. We also offer credit cards with rewards that allow you to earn points on your everyday purchases, making every dollar count!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at us, but our personal loans are designed to provide quick relief when you need it most. Whether it's for home repairs or consolidating debt into one manageable payment, our team will work with you to find a solution that fits.

Digital & Online Banking

Accessibility and Security

Security is our top priority. We use advanced measures to protect your information while providing a user-friendly experience. With our digital banking tools, you can feel confident that your data is safeguarded every step of the way. At Educational Systems, we are committed to making banking accessible for everyone. Our digital services are designed with you in mind offering convenience without compromising security. Experience the freedom of managing your finances at any time by visiting us online today!

Key Features

Our online banking platform includes essential features like e-statements for easy account tracking and an electronic signature authorization option that makes signing documents straightforward and hassle-free. Want to send money to a friend? Our person-to-person transfers let you do just that with ease, making splitting bills or paying back loans simple and fast. For those who prefer banking on the go, our mobile application brings all these features right to your fingertips. You can make mobile payments, check balances, and even deposit checks from the comfort of your couch. Plus, with the ability to access e-statements through the app, staying organized has never been easier.

Financial Strength

Growing Membership Trust

We're proud to have a strong member base reflected by our total share accounts of 180,061. This growing trust indicates that more people like you choose us as their preferred financial partner. 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 8448 Ocean Gtwy Easton Md 21601 or call (301) 779-8500 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us. We have $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.

Operational Efficiency

Our operational efficiency shines through with a net income of $0, enabling 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 assist you. This dedicated team ensures that you receive personalized service whenever you visit us.

Reinvestment for Growth

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 is significant; we support our members' financial goals with $13,255 in used auto loans and $869,532,467 in total loans and leases.

Strong Net Worth

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.

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 considering a new or used vehicle, our financing options provide flexibility and affordability tailored to your needs.

Credit Lines

For those who need access to quick funds or want to manage cash flow more efficiently, our total credit lines amount to $339,872,877. This product gives you the freedom to borrow as needed while maintaining control over your budget. We also encourage you to explore refinancing options if you're looking for better rates on existing loans or credit lines. Eligibility details can be found on our website here. 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 in Easton, MD, we're dedicated to helping you navigate your financial path with confidence. Visit us today or check out our services online at esfcu.org for more information about how we can assist you!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $96,027,667. With straightforward terms and competitive interest rates, we are here to guide you through the process and help you secure your dream home.

Unsecured Credit Card Loans

Managing finances effectively is essential for everyone. We also offer flexible terms on unsecured credit card loans, with a total of $49,637,548 in loans available. These options allow you to handle unexpected expenses or make purchases without tying up your other financial resources.

Loan Aggregator

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EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION