Educational Systems Credit Union Greenbelt MD | Quick Personal Loans & Top Checking

Introduction

Welcome to Educational Systems, your trusted credit union located at 7500 Greenway Center Dr Ste 140, Greenbelt, MD 20770. Since our establishment in 1955, we have been dedicated to serving our community with personalized financial solutions. With a total membership of 89,689 and assets exceeding $1,272,707,927, we pride ourselves on being a stable and reliable partner for all your banking needs. Our commitment to you goes beyond just numbers; it's about building relationships. Under the leadership of CEO Girado Smith and Board President Alonia Sharps, we strive to create an environment where every member feels valued and empowered. Our team of 212 employees is here to assist you with everything from checking and savings accounts to auto loans and mortgage refinancing. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO Box 179, Greenbelt, MD 20768-0179. We invite you to explore our wide array of services designed for both personal and business banking needs. With total deposits reaching $68,017,119, we ensure that your money is safe and working for you. At Educational Systems, we understand the importance of accessibility. That's why we offer convenient online and mobile banking options along with ATM services for easy cash withdrawals. Whether you are looking to finance a new vehicle or consolidate debt, our tailored solutions cater to your unique financial situation. We encourage you to reach out with any questions or visit us during our operating hours: Monday to Thursday from 9:00 AM - 5:00 PM, Friday from 9:00 AM - 6:00 PM, and Saturday from 9:00 AM - 2:00 PM. You can call us at 301-779-8500 or visit our website at esfcu.org for more information. Join us in creating a brighter financial future together!

Branch History & Mission

Community Focus

Our dedication extends beyond financial services; we actively participate in local events and collaborate with organizations that uplift the community. By supporting local initiatives and offering educational resources about financial literacy, we aim to make a positive impact on the lives of those around us. We invite you to experience the benefits of becoming part of Educational Systems. Whether you are looking for personalized banking solutions or want to join a community-focused organization, we welcome you with open arms. Feel free to reach out to us at 301-779-8500 or visit our website at www.esfcu.org for more information on how you can become part of our family. Together, let's build a brighter financial future!

Our Journey

Located at 7500 Greenway Center Dr Ste 140, Greenbelt, MD 20770, we are proud to be part of this vibrant community. Over the years, we have achieved significant milestones, including reaching total assets of over $1.27 billion. Our journey has been marked by dedication to member satisfaction and community support. From our humble beginnings, we have expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards that offer rewards. With our focus on accessibility and convenience, we also provide online and mobile banking solutions for those who prefer managing their finances digitally.

Our Mission

At Educational Systems, our mission is simple yet profound: to improve the financial well-being of our members while fostering a sense of community. We believe that everyone deserves access to quality financial services that empower them to achieve their goals. This commitment drives us every day as we strive to deliver not just excellent banking services but also meaningful community outreach. We take pride in being ADA compliant and ensuring that all members can access our facilities and services without barriers. While members can visit us at our branch address, official correspondence should be sent to PO Box 179, Greenbelt, MD 20768-0179 if needed.

Branch Location & Accessibility

Accessibility Features

At our branch, we prioritize accessibility for all members. You'll find ample parking available and features such as ADA-compliant entrances and ramps that ensure everyone can easily access our services. Whether you're coming in for a quick transaction or need help with your financial needs, we've got you covered.

Call to Action

Ready to experience convenient banking? Visit us today at our Greenbelt location or give us a call at 301-779-8500 if you have any questions. We look forward to welcoming you into the Educational Systems family!

Operating Hours

We want to make it convenient for you to visit us! Our lobby hours are designed with your schedule in mind: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Feel free to stop by during these hours; we'll be ready to assist you!

Services Offered

At Educational Systems, we offer a wide range of banking services including checking and savings accounts, auto loans, personal loans, credit cards with rewards, and more. Need cash? You can easily access our ATM on-site for quick withdrawals and balance checks. Although we do not have a drive-thru service available at this location, our friendly staff is here to provide you with personalized service inside the branch.

Member Eligibility

Becoming a member of Educational Systems is like joining a close-knit family where your financial well-being is our top priority. If you live, work, or attend school in the areas we serve, you're likely eligible for membership! We're here to welcome anyone who shares our commitment to community and financial growth. Joining brings you access to fantastic services tailored just for you, whether it's personal banking, loans, or credit cards with rewards. To get started, simply check out the detailed eligibility criteria at http://www.esfcu.org/about/membership/join-us . When you're ready to open your account, visit us at http://www.esfcu.org/apply-for-a-loan , or give us a call at (301) 779-8500 for any questions. We can't wait to have you as part of our community at Educational Systems, located at 7500 Greenway Center Dr Ste 140 Greenbelt Md 20770!

Business Banking & Commercial Services

Business Loan Options

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 having access to the funds you need for equipment upgrades or expanding your team. Our commercial loans can turn those aspirations into reality, giving you the cash flow you need to thrive.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to simplify payment processing. Picture this: as a business owner, you want to focus on serving your customers, not worrying about complicated payment systems. Our merchant services streamline transactions and help you manage sales efficiently, allowing you to concentrate on what really matters growing your business. With our banking solutions at Educational Systems, you can equip your business for success. Visit us at 7500 Greenway Center Dr Ste 140 Greenbelt Md 20770 or call us at (301) 779-8500 to learn how we can help your business flourish!

Comprehensive List Of Services

Business Banking

For our business members, we provide comprehensive Business Banking services including Merchant Services & Business Loans. Whether you're just starting out or looking to expand, our tailored solutions support your business ambitions. Think about having access to funds that can help turn your innovative ideas into reality.

Credit Cards

Our Credit Cards with Rewards not only give you purchasing power but also reward you for using them. Earn points on everyday purchases that can be redeemed for travel, merchandise, or even cash back! This way, each purchase brings you closer to something special.

Digital Banking Convenience

In today's fast-paced world, managing your finances online is essential. That's why we offer robust Online & Mobile Banking platforms that allow you to check balances, transfer funds, and pay bills anytime, anywhere. Need cash? Our ATM & Cash Withdrawal Services make accessing money convenient and hassle-free. At Educational Systems, we believe in empowering our members through accessible financial solutions tailored just for you. If you're interested in learning more about any of these services or have specific questions, feel free to contact us at (301) 779-8500. Your journey toward financial wellness starts here come visit us today!

Home Loans

Buying a home is one of the biggest decisions you'll make, and our Mortgage Loans & Refinancing services are here to guide you through this journey. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we provide tailored solutions that meet your unique circumstances.

Personal Banking

For those looking to manage their day-to-day finances, we offer a variety of Personal Banking options. This includes Checking & Savings Accounts that help you save for the future while giving you easy access to your funds. Imagine being able to set up automatic transfers from your checking account to your savings account, making it easier than ever to reach your savings goals.

Personal Loans

If you're facing unexpected expenses or need extra cash for a special project, consider our Personal Loans & Debt Consolidation options. These loans can help simplify your financial life by combining multiple debts into one manageable payment. It's like having a financial safety net when life throws you curveballs.

Vehicle Financing

When it comes time to purchase a new car or refinance an existing loan, our Auto Loans & Vehicle Financing can make the process straightforward. We understand how important it is for our members to have reliable transportation, and our competitive rates and flexible terms are designed with your budget in mind. Picture driving off the lot with a vehicle that fits both your lifestyle and wallet.

Digital & Online Banking

Key Features for Your Convenience

We know security is a top priority for our members. That's why we provide electronic signature authorization, allowing you to sign documents quickly and securely without the hassle of paper forms. Plus, with e-statements available, you can keep track of your finances while reducing clutter no more paper statements piling up! Do you want to make payments on the go? Our mobile application makes it easy to send money through person-to-person transfers and utilize mobile payments directly from your smartphone. Imagine being able to pay a friend back or make a purchase with just a few taps!

User-Friendly Experience

Navigating our digital services is straightforward and intuitive. You don't need to be tech-savvy; if you can use a smartphone or computer, you're all set! Each feature is designed with user experience in mind, so managing your accounts feels effortless. In summary, at Educational Systems, we are committed to providing accessible and secure online banking solutions tailored for your needs. Take full control of your finances today by exploring all that we offer online!

Financial Strength

Growing Community Trust

Total Share and Deposit Accounts: 180,061, show 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 7500 Greenway Center Dr Ste 140 Greenbelt Md 20770 or call (301) 779-8500 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our $0 reflects our operational efficiency, 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 and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

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 supports members' financial goals across various sectors with $13,255 in used auto loans and $869,532,467 in total loans and leases.

Solid Financial Health

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. We provide flexible terms and competitive rates for both new and used vehicles, making it easier for you to drive away in your desired car.

Credit Lines and Personal Loans

For those looking for more flexibility, we offer credit lines with a total of $339,872,877 available to our members. This can be an excellent option for managing unexpected expenses or planning for larger purchases. Additionally, our unsecured credit card loans total $49,637,548, providing you with easy access to funds when you need them without the need for collateral.

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 guide you through the process, ensuring you have all the information needed to make informed decisions about your mortgage.

Refinancing Options

If you're considering refinancing any existing loans, we're here to help. Our team can discuss eligibility options and guide you through the process, potentially saving you money on interest rates and monthly payments. Whether you're interested in auto financing or planning for homeownership, Educational Systems is committed to supporting your financial journey. Don't hesitate to reach out with any questions or visit us at our branch located at 7500 Greenway Center Dr Ste 140 Greenbelt Md 20770, Greenbelt, MD. You can also give us a call at (301) 779-8500 during our operating hours: Monday - Thursday from 9:00 AM - 5:00 PM, Friday from 9:00 AM - 6:00 PM, and Saturday from 9:00 AM - 2:00 PM. 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 assist you today!

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EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION