Educational Systems Credit Union Prince Frederick MD | Low Mortgage Rates & Business Banking

Introduction

Welcome to Educational Systems at our Prince Frederick branch, located at 705 Prince Frederick Blvd, Prince Frederick, MD 20678. Established in 1955, we have been dedicated to serving our community for nearly seven decades. With a strong commitment to our members, we proudly support a growing family of 89,689 members and manage impressive assets totaling $1,272,707,927. At Educational Systems, we understand that financial decisions can be overwhelming. That's why we strive to make banking simple and accessible for everyone in the community. Whether you're looking for checking accounts, auto loans, or even mortgage refinancing, our friendly team is here to help you navigate your options with ease. In fact, we currently offer over 49,623 loans and leases, with total deposits reaching $68,017,119, ensuring that your money is not only safe but also working for you. 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 skilled staff of 212 employees, led by CEO Girado Smith and Board President Alonia Sharps, is always ready to assist you with personalized service tailored to your needs. Our commitment goes beyond just numbers; it's about making a positive impact in our community. We are here to support your financial journey while fostering trust and reliability. If you have any questions or need assistance, don't hesitate to call us at 301-779-8500 or visit our website at esfcu.org for more information. Join us today and experience how Educational Systems is more than just a credit union it's your partner in achieving financial success!

Branch History & Mission

Join Us Today!

As we continue to grow and evolve alongside our members and the communities we serve, we invite you to become part of this journey. Experience the benefits of being a member of Educational Systems Credit Union today! Whether you're looking for assistance with a loan or simply want to open a new account, we're here for you. Feel free to contact us at 301-779-8500 during our operating hours 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 in making a positive impact together!

Our Evolution

Since opening our doors, Educational Systems has grown tremendously. We began with a simple mission: to offer exceptional financial services while prioritizing the welfare of our community. Over the years, we have adapted to meet the changing needs of our members. This adaptability is evident in our range of services that include personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and even business banking solutions. Our commitment extends beyond just financial transactions; we actively engage in community outreach efforts and partnerships that make a real difference in people's lives. Whether it's providing educational resources or supporting local initiatives, we believe in giving back to the communities that support us.

Our Mission

The mission of Educational Systems is straightforward yet powerful: to provide our members with quality financial services while enhancing their overall well-being. We understand that every individual has unique financial goals and challenges. That's why we are dedicated to offering personalized assistance through various channels including online and mobile banking platforms. Our facility is equipped with modern amenities such as ATM availability and drive-thru banking for your convenience. We are also committed to accessibility standards to ensure that everyone can benefit from our services without barriers. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be directed to PO Box 179, Greenbelt, MD 20768 if it differs from the physical address.

Branch Location & Accessibility

Welcome to the Educational Systems branch located at 705 Prince Frederick Blvd in charming Prince Frederick, Maryland. Nestled in Calvert County, our branch is conveniently situated near local landmarks, making it easy for you to stop by and experience our member-focused services. Whether you're visiting us after a trip to the nearby shopping centers or just exploring the area, we're here to meet your banking needs. At our branch, we prioritize accessibility for all members. Our facilities are designed with ADA compliance in mind, featuring ramps and accessible entrances to ensure that everyone can visit us comfortably. Parking is readily available, making it simple for you to find a spot and come inside without hassle. Our operating hours are tailored to fit your busy schedule. We're open 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. This means you have plenty of opportunities throughout the week to come in for assistance or just drop by for a quick transaction. For added convenience, we offer both ATM access and drive-thru banking services. You can easily withdraw cash or make deposits without leaving your vehicle. Plus, if you need help with personal banking services like checking and savings accounts or loans, our friendly staff is always ready to assist you. If you're looking to reach us directly, feel free to give us a call at 301-779-8500. We're excited to welcome you into our community and encourage you to visit soon!

Member Eligibility

At Educational Systems, we believe that everyone deserves a chance to thrive within a supportive community. Joining us is simple and welcoming! If you live, work, worship, or attend school in the areas we serve, you are eligible to become a member. This means that whether you're just starting your financial journey or looking for better options for your established needs, we have something for you. As a member of Educational Systems, you'll enjoy personalized banking services designed to fit your lifestyle, along with competitive rates on loans and savings accounts. To find out more about the eligibility criteria and ensure you meet all the requirements, feel free to check our detailed guide at http://www.esfcu.org/about/membership/join-us . Once you're ready to join us, opening an account is a breeze! Simply visit our website at http://www.esfcu.org/apply-for-a-loan or give us a call at (301) 779-8500. We're here to help you take the first step toward becoming part of our family at Educational Systems, located at 705 Prince Frederick Blvd Prince Frederick Md 20678.

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 the capital to purchase new equipment, hire staff, or launch a marketing campaign all crucial steps for any entrepreneur aiming to succeed. Our loan options can help turn those plans into reality.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Whether you need a reliable point-of-sale system or online payment processing, our solutions ensure you can focus on what you do best running your business. Picture this: customers easily making purchases from your store or website without hassle, boosting both sales and customer satisfaction. Visit us at 705 Prince Frederick Blvd Prince Frederick Md 20678 in Prince Frederick, MD or give us a call at (301) 779-8500. Let's work together to take your business to the next level!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, look no further! We offer auto loans and vehicle financing options that can help you get behind the wheel without breaking the bank. With flexible terms and competitive interest rates, you can choose a loan that works best for you. Imagine driving off in your new car with peace of mind knowing you have a great deal!

Business Banking

For entrepreneurs, our business banking services, including merchant services and business loans, support your ventures at every stage. From starting up to growing your business, we provide resources that empower you to succeed.

Credit Cards with Rewards

Don't miss out on rewards! Our credit cards with rewards let you earn points on everyday purchases. Whether it's groceries or gas, every swipe brings you closer to exciting rewards that can enhance your lifestyle.

Digital Banking Features

In today's fast-paced world, we understand convenience is key. That's why we offer robust online and mobile banking features. You can easily access ATM services for cash withdrawals and perform simple transactions at our drive-thru service without leaving your vehicle. Whether you're visiting us at our branch located at 705 Prince Frederick Blvd, calling us at 301-779-8500, or managing your account online through our website, we strive to make banking as easy as possible for you. We invite you to experience all that Educational Systems has to offer. Take control of your finances today by exploring our full range of services tailored just for you!

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans provide affordable options tailored to first-time buyers and seasoned homeowners alike. We'll walk you through the process, helping you understand every step along the way. A comfortable home is just around the corner!

Personal Banking

Our personal banking services include checking and savings accounts designed to fit your lifestyle. Need to manage daily expenses or save for future goals? Our accounts offer competitive rates and easy access to your money through online banking and mobile apps. You can easily transfer funds, check balances, and pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans can help ease those burdens. Whether it's for medical bills, home repairs, or consolidating debt, our team is here to assist you in finding a solution that fits your financial situation. Imagine reducing multiple payments into one manageable monthly bill.

Digital & Online Banking

Key Features

Our online banking platform allows you to perform essential tasks with just a few clicks. Need to check your balance or review recent transactions? It's all right there at your fingertips! You can also sign up for e-statements, so you'll receive your account statements electronically no more waiting for the mail. If you're on the go, our mobile application makes banking even more convenient. With features like mobile payments and person-to-person transfers, sending money to friends or paying for purchases is as easy as tapping your screen. Plus, with electronic signature authorization, you can handle important documents securely without needing to print or fax anything.

Security and Accessibility

Security is our top priority at Educational Systems. Our online services are equipped with robust security measures to protect your information while ensuring ease of use. You can manage your accounts in real-time, allowing you to stay updated on your financial situation effortlessly. Whether you're using our website or the mobile app, our goal is to provide a user-friendly experience that helps you feel confident in managing your finances. Join us today and discover how digital banking at Educational Systems can simplify your financial life!

Financial Strength

Growing Trust

Total Share Accounts stand strong at 180,061, showing a growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $0, further supporting our commitment to the community. 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 705 Prince Frederick Blvd Prince Frederick Md 20678 or call (301) 779-8500 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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 ready to serve you with a knowledgeable, committed team.

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

Strong 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 tailored to fit your budget and lifestyle, ensuring you can drive away with confidence.

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. These cards come with benefits that can help you track spending and earn rewards while maintaining control over your budgeting.

Credit Lines

In addition to our loan offerings, we have substantial resources available through credit lines amounting to $339,872,877. This can be an excellent option for those needing quick access to funds for unexpected expenses or planned purchases. At Educational Systems in Prince Frederick (705 Prince Frederick Blvd), MD 20678, we're dedicated to supporting our members' financial well-being. For any inquiries or assistance regarding our loan products or eligibility requirements, feel free to reach out at 301-779-8500 during our operating hours: Monday - 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We look forward to helping you achieve your financial goals!

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 offer various mortgage products to cater to different financial situations and goals. If you're considering refinancing your existing mortgage, our team is here to guide you through eligibility options that could save you money.

Loan Aggregator

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Real-Time Rate Comparisons

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EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION - Prince Frederick, MD