EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION - Germantown, MD

Welcome to Educational Systems, your trusted financial partner located at 19215 Frederick Rd, Germantown, MD 20876. Since our establishment in 1955, we have been dedicated to serving the financial needs of our members with integrity and compassion. With a strong community presence and a commitment to excellence, we proudly support over 89,689 members with services tailored to help them thrive. At Educational Systems, we understand that every member's journey is unique. That's why we offer a variety of financial solutions, including personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our total assets amount to an impressive $1,272,707,927, which reflects our solid foundation and ability to support you effectively. Our commitment goes beyond numbers; it's about building lasting relationships within our community. Under the leadership of CEO Girado Smith and Board President Alonia Sharps, our team of 212 employees is here to ensure you receive personalized service that meets your needs. Whether you visit us at our branch or connect with us online through our website at esfcu.org, we strive to make banking simple and accessible for everyone. While members can visit us at 19215 Frederick Rd, official correspondence should be sent to PO Box 179, Greenbelt, MD 20768. We invite you to call us at 301-779-8500 for any inquiries or assistance. Together, let's build a brighter financial future!

Welcome to Educational Systems, located in the heart of Germantown, MD. Since opening our doors in 1955, we have been dedicated to serving our members with a rich legacy of trust and community support. Our branch at 19215 Frederick Rd Germantown, MD 20876 has become a cornerstone for local families and individuals seeking financial services that truly make a difference. Over the years, we have proudly grown to serve nearly 90,000 members, offering a wide range of financial products and services designed to meet their diverse needs. As of now, our total assets stand at an impressive $1,272,707,927. This growth reflects not just our commitment to sound financial practices but also the deep-rooted relationships we've built within the community. At Educational Systems, our mission is simple yet profound: to provide exceptional financial services while fostering a spirit of community support and empowerment. We believe that everyone deserves access to quality banking options that help them achieve their goals whether that's securing a loan for a new vehicle or saving for future dreams. Our range of offerings includes personal banking accounts, auto loans, mortgage loans, and business banking solutions. We understand that convenience matters. That's why we offer ATM availability and drive-thru banking for easy access to your funds. Our lobby hours are tailored to accommodate busy schedules open Monday through Friday from 9 AM to 5 PM (with extended hours until 6 PM on Fridays) and Saturday from 9 AM to 2 PM. While members can visit us at our Germantown branch for face-to-face service, official correspondence should be sent to PO Box 179, Greenbelt, MD 20768. Community engagement is at the heart of what we do. We actively participate in local initiatives aimed at uplifting those around us. By partnering with various organizations and supporting local events, we strive to give back and strengthen the fabric of our community. As we look toward the future, we remain committed to embracing digital advancements that enhance your banking experience. With features like online banking and mobile payments available at your fingertips, managing your finances has never been easier. Join us today at Educational Systems! Experience firsthand how we're not just a credit union; we're a part of your community's story. If you're interested in becoming a member or would like more information about our services, please give us a call at 301-779-8500 or visit our website at www.esfcu.org. Together, let's build a brighter financial future!

Joining the Educational Systems family means stepping into a community that genuinely cares about its members. At Educational Systems, located at 19215 Frederick Rd Germantown Md 20876, we welcome individuals who share a connection to education whether you're a teacher, student, or an employee of an educational institution in our area. It's all about fostering relationships and providing financial support tailored to your needs. If you want to learn more about the specific eligibility criteria, check out our website at http://www.esfcu.org/about/membership/join-us for all the details. Becoming a member is easy and rewarding! With a variety of services designed to help you manage your finances better, from checking accounts to loans, you'll find everything you need right here. Ready to take the next step? You can open your account online by visiting http://www.esfcu.org/apply-for-a-loan or give us a call at (301) 779-8500 if you have any questions. We're excited to welcome you into our community!

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 through transparency and reliability, and we're proud to showcase our solid financial foundation. 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 members' financial goals across various sectors with $13,255 in used auto loans and an impressive total of $869,532,467 in loans and leases. Our net income of $0 reflects our commitment to maintaining operational efficiency while focusing on your needs. We also take pride in having 212 full-time employees ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 180,061, showing a strong and growing member base that trusts us with their finances. 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 19215 Frederick Rd Germantown Md 20876 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.