Educational Systems Credit Union Homestead FL | Best Auto Loans & Online Banking

Introduction

Welcome to Educational! Located at 16460 SW 304th St, Homestead, FL 33033, our credit union has been serving the community since 1935. With a proud history of fostering financial well-being, we are here to support you with a range of services tailored for your personal and business needs. At Educational, we believe in the power of community. Our membership has grown to an impressive 106,996 members, all benefiting from our dedication to providing quality financial products. We manage a robust total asset base of $1,662,844,859, ensuring that your money is in safe hands. With $161,631,981 in deposits and a net worth of $261,891,415, we stand strong as a reliable partner for your financial journey. We understand that life can be unpredictable. That's why we offer various loans and financing options over 60,165 loans and leases have been approved to help our members achieve their dreams. Whether you're looking for an auto loan or need assistance with debt consolidation, our team is ready to help you navigate your options. Our leadership team is committed to guiding our mission. Under the direction of CEO Michael DiBenedetto and Board President Claude Archer, we strive to enhance the financial lives of our members while promoting sustainable growth within the community. While members can visit us at our branch location, official correspondence should be sent to 16460 SW 304th St, Homestead, FL 33033-3260. If you have any questions or need assistance, feel free to reach out at 305-248-8006. Join us today at Educational and discover how we can make a difference together! Your financial future starts here.

Branch History & Mission

A Legacy of Service

Welcome to Educational, located at 16460 SW 304th St in beautiful Homestead, FL. Since opening our doors in 1935, we have proudly served our community with a mission focused on providing quality financial services and fostering growth among our members. Over the years, we've grown from a small branch into a thriving credit union, currently boasting over 106,000 members and total assets of $1,662,844,859.

Community Commitment

At Educational, our mission is not just about numbers; it's about people. We aim to empower individuals by providing access to financial resources while also giving back to the Homestead community through outreach programs and partnerships. We believe in making a positive impact by supporting local initiatives that help those in need. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: 16460 SW 304th St, Homestead, FL 33033-3260.

Join Us Today!

As we look ahead to the future, we invite you to become part of our legacy. Experience firsthand how Educational can support your financial goals while being an active part of your community. Whether you are looking for personal loans or business banking solutions, we're here for you every step of the way. Contact us at 305-248-8006 or explore more about us at edfed.org. Join Educational today where your financial journey meets community spirit!

Our Journey

Educational has evolved significantly since its inception. From humble beginnings, we've expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our commitment to meeting the needs of our community is reflected in the support we provide through various financial products and services. In addition to traditional banking options, we recognize the importance of staying current with technology. We offer online and mobile banking solutions that make it easier for our members to manage their finances anytime and anywhere. With features like e-statements and mobile payments, we're dedicated to enhancing your banking experience.

Branch Location & Accessibility

Accessibility and Services

At Educational, we believe in making banking accessible for everyone. Our facility is ADA-compliant, ensuring that all members can navigate our space comfortably. Though we do not currently offer drive-thru services or ATM access at this location, our friendly staff is always ready to assist you inside.

Call to Action

We invite you to come visit us and explore how we can help with personal banking services like checking and savings accounts, auto loans, and more. Your financial journey starts here come on by or give us a call today!

Nearby Landmarks and Features

As you approach our location, you'll notice that we're just a short drive from popular spots like the Homestead Miami Speedway and the beautiful Everglades National Park. Our branch offers plenty of parking spaces, making it hassle-free to stop by for your banking needs.

Operating Hours and Contact Information

We know your time is valuable, which is why we offer flexible operating hours to suit your schedule. You can reach us at 305-248-8006 for any inquiries or to set up an appointment. While members can visit us at 16460 Sw 304Th St, official correspondence should be sent to 16460 SW 304th St, Homestead, FL 33033-3260 if needed.

Member Eligibility

Joining the Educational community is a wonderful opportunity to access personalized financial services and support. To become a member, you'll need to meet a few friendly eligibility criteria, which primarily focus on your connection to our local community. Whether you live, work, or study in the area, you may qualify! It's all about fostering a supportive network where everyone can thrive together. For more specific details about eligibility, feel free to check out this resource: Eligibility Details. Once you determine your eligibility, opening an account is a breeze! We invite you to explore the simple steps outlined here: Account Opening Details. If you have any questions or need assistance along the way, don't hesitate to reach out at (305) 248-8006. We're excited to welcome you to Educational, located at 16460 Sw 304Th St Homestead Fl 33033, where you'll find a community that truly cares about your financial journey!

Business Banking & Commercial Services

At Educational, we understand that every business has unique needs. Whether you're a startup or an established company, having the right financial support can make all the difference in your growth journey. Imagine securing that new piece of equipment or expanding your operations just when you need it most our commercial loans can help turn those ideas into reality. 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 $0 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. In addition to loans, we offer merchant services designed to streamline your operations. Picture a busy day at your shop where customers can easily pay using their preferred methods credit cards, mobile payments, and more. Our tools help you manage transactions efficiently, allowing you to focus on what truly matters: growing your business. Visit us at 16460 Sw 304Th St Homestead Fl 33033, Homestead, FL, or call us at (305) 248-8006 to explore how we can partner in your success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs at our branch location, we ensure that cash withdrawal services are readily available through partnerships within our network. At Educational, we are committed to serving you with warmth and expertise. If you're ready to take the next step in managing your financial health or if you have any questions about our services, don't hesitate to reach out! You can call us at (305) 248-8006 or visit us at 16460 Sw 304Th St Homestead Fl 33033 in Homestead, FL. Explore all that we have to offer by visiting our website at Homestead. We look forward to helping you achieve your financial goals!

Business Banking

For our local business owners, Educational provides robust business banking services. From merchant services that help streamline transactions to business loans designed for growth, we understand the unique challenges of running a business and are here to assist.

Credit Cards & Rewards

We also offer credit cards with rewards that allow you to earn while you spend. Imagine using your card for everyday purchases and receiving cash back or points towards exciting experiences! This feature adds great value to your spending habits.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have made online and mobile banking easy and efficient. With just a few clicks or taps on your smartphone, you can manage your accounts anytime, anywhere. Our features include online bill pay, electronic statements, mobile payments, and person-to-person transfers making it simple for you to stay on top of your finances without ever needing to visit us in person.

Personal Banking

When it comes to personal banking, we offer a variety of options to help you manage your finances effectively. You can choose from our checking and savings accounts that fit your lifestyle. Need a new car? Our auto loans and vehicle financing options are designed to get you on the road with competitive rates and flexible terms. If you're thinking about buying a home or refinancing your current mortgage, our mortgage loans provide the support you need every step of the way. For those times when life throws unexpected expenses your way, our personal loans and debt consolidation services can help ease financial stress.

Digital & Online Banking

Accessibility and Convenience

We believe in making banking as easy as possible for our members. With mobile payments enabled through our app, you can make purchases directly from your phone without needing cash or cards. This feature not only saves time but also adds an extra layer of convenience to your everyday transactions. At Educational, we prioritize accessibility and ease-of-use in every aspect of our online banking services. Whether it's through our website or mobile app, you'll find that managing your finances has never been easier or more secure. Join us today and experience the benefits of modern banking tailored just for you!

Key Features

One of the standout features of our digital banking services is the ability to make person-to-person transfers. Whether you're splitting a dinner bill with friends or sending money to family, our platform makes it quick and hassle-free. Plus, with electronic signature authorization, signing documents online is secure and straightforward no more printing out forms! For those who want to go paperless, we provide e-statements so you can access your financial records anytime without the clutter. Our commitment to security means that all these services come with robust protections to keep your information safe.

Financial Strength

Commitment to Growth

With $261,650,150 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 $13,927 in used auto loans and $927,064,883 in total loans and leases.

Growing Member Base

Total Share Accounts stand strong at 258,229, showing a robust and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $53,908, further emphasizing our capability to support your financial needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Educational is your trusted partner. Visit us at 16460 Sw 304Th St Homestead Fl 33033 or call (305) 248-8006 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 317 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $282,290,607 in share certificates and $5,724,562 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $261,891,415, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,575 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 $225,779,602 in used vehicle loans and $108,739,361 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to your needs, ensuring that financing your next vehicle is a smooth process.

Credit Cards and Lines of Credit

We also offer flexible terms on unsecured credit card loans, with a total of $35,520,006 in loans helping members manage their finances effectively. Additionally, our total credit lines amounting to $543,653,000 provide ample opportunities for those looking for revolving credit solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $55,574,920, make buying or refinancing simple. Whether you're purchasing your first home or looking to refinance, our team is here to guide you every step of the way.

Refinancing Options

If you're considering refinancing your current loans, we can help you explore various eligibility options that may fit your situation. Whether it's an auto loan or mortgage, our goal is to help you save money and simplify your payments. With performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results, you can trust that our offerings are designed with your best interests in mind. For more information about our loan products or to discuss how we can assist you, don't hesitate to reach out at (305) 248-8006. Let us help you take the next step towards your financial success!

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EDUCATIONAL FEDERAL CREDIT UNION