Educational Systems Credit Union Miami FL | Best Auto Loans & Personal Banking

Introduction

Welcome to Educational, your trusted credit union located at 1498 Ne 2Nd Ave, Miami, FL 33132. Since our establishment in 1935, we have been dedicated to serving our community with personalized financial solutions tailored to meet the unique needs of our members. As a proud member of the Miami-Dade community, we currently serve over 106,996 members, providing them with a strong foundation for financial success. At Educational, we understand that your financial journey is important. That's why we've built a solid reputation over the years, boasting total assets of $1,662,844,859 and total deposits of $161,631,981. Our commitment to our members is reflected in our robust offerings, which include personal banking services like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. Our leadership team is committed to ensuring that every member feels valued and supported. Under the guidance of CEO Michael DiBenedetto and Board President Claude Archer, we strive for excellence in all that we do. With a dedicated team of 336 employees, we are here to assist you with any questions or concerns you may have. While members can visit us at our branch location for assistance or to explore our services further, official correspondence should be directed to 1498 NE 2nd Ave, Miami, FL 33132. We invite you to explore how we can help you achieve your financial goals by visiting our website at www.edfed.org or giving us a call at 305-379-0621. Join us at Educational Credit Union where your financial well-being is our top priority!

Branch History & Mission

Community Commitment

We are more than just a credit union; we are part of the fabric of Miami-Dade County. Our efforts to engage with local initiatives reflect our dedication to making a positive impact in the community. Whether it's through educational workshops or participation in local events, we aim to uplift every member of our community. As we look towards the future, we invite you to join us on this exciting journey. Experience the benefits of being part of Educational today! Visit us online at www.edfed.org or stop by our branch in Miami. Together, let's build a brighter financial future!

Our Mission

At Educational, our mission is clear: We are dedicated to empowering our members through innovative financial solutions while promoting community welfare. We believe that strong communities are built on strong relationships. That's why we actively participate in outreach programs and partnerships that enhance the lives of those around us. While members can visit us at 1498 NE 2nd Ave, official correspondence should be sent to the same address. For any inquiries or assistance, please reach out to us at 305-379-0621. Our branch is ADA compliant and committed to ensuring all individuals can access our services comfortably. Additionally, with ATM availability on-site and various operating hours designed for your convenience, we strive to meet your needs whenever you need us.

Our Story

The journey of Educational began with a simple yet powerful idea: to provide accessible financial services tailored to the needs of our members. Over the years, we have achieved significant milestones, including reaching total assets of $1,662,844,859. This growth reflects not just our success but also the trust placed in us by our members. As we expanded, we embraced digital advancements to ensure that banking remains convenient and user-friendly for everyone. We understand that each member's financial journey is unique. That's why we offer a variety of services from checking and savings accounts to auto loans and mortgages designed to help our community thrive. Our commitment extends beyond just banking; it's about building relationships and fostering support within Miami.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility and are committed to ensuring that everyone can visit us with ease. The branch features ADA-compliant entrances and ramps for those who need them, alongside ample parking facilities. You'll find our location welcoming and easy to navigate.

Call to Action

We invite you to visit us today and discover how Educational can help you achieve your financial goals. If you're unable to drop by in person, don't hesitate to reach out via phone or check out our website at edfed.org for more information about our services. We look forward to serving you!

Operating Hours and Services

Our operating hours are flexible, designed to accommodate your busy schedule. Whether you prefer early morning visits or late afternoon banking, we aim to be available when you need us most. At Educational, we offer a wide range of services including personal banking, auto loans, mortgage loans, credit cards with rewards, and more. While you can enjoy our ATM services anytime, please note that we do not have drive-thru banking at this location. For any inquiries or assistance, feel free to call us at 305-379-0621.

Member Eligibility

At Educational, we believe that everyone deserves to be part of a community that cares. Becoming a member is simple and welcoming! If you live, work, or go to school in the Miami area, you're likely eligible to join us. We are dedicated to supporting our members with personalized financial services that can help you achieve your goals. To get more details about eligibility, feel free to visit our website at http://www.edfed.org/promotions/about/membership/shred-a-thon/. Once you're ready to open an account, the process is straightforward and designed to make you feel right at home. You can find all the information you need about opening your account at http://www.edfed.org/promotions/loans/vehicles/auto-cash-back/. If you have any questions along the way or need assistance, don't hesitate to give us a call at (305) 379-0621. We're excited to welcome you into our family at Educational located at 1498 Ne 2Nd Ave Miami Fl 33132!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, our merchant services are designed to simplify your transactions. Picture this: accepting payments seamlessly from customers using various methods credit cards, mobile payments, and more. This not only enhances customer satisfaction but also boosts your sales potential. At Educational, we're here to equip you with the tools you need for success. Explore how our business banking and commercial services can support your journey at 1498 Ne 2Nd Ave Miami Fl 33132, Miami, FL. Let's work together to turn your vision into reality!

Our Commitment to Businesses

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.

Comprehensive List Of Services

Business Services

For small business owners, our Business Banking services are tailored just for you. From merchant services that streamline transactions to business loans that fuel growth, we're here to support your entrepreneurial journey.

Connect With Us

At Educational, we believe in building lasting relationships with our members while providing the financial tools necessary for success. If you're ready to explore all these offerings and more, don't hesitate to reach out! Call us at (305) 379-0621 or visit us at 1498 Ne 2Nd Ave Miami Fl 33132. Let's take the next step together in achieving your financial goals!

Digital Access and Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. Manage your accounts anytime, anywhere with ease. Need cash? Our ATM & Cash Withdrawal Services ensure you're never far from accessing your funds when you need them most. Whether it's checking balances on the go or transferring funds between accounts with just a few taps on your phone, we've made banking as simple as possible for our members.

Home Financing Options

If buying a home is on your mind, look no further than our Mortgage Loans & Refinancing services. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process. Picture yourself in a cozy home where every corner reflects your personality it's closer than you think!

Personal Banking Solutions

We understand that managing your finances can sometimes be overwhelming. That's why we offer Personal Banking options, including checking and savings accounts designed to suit your lifestyle. Imagine having access to accounts that help you save for that dream vacation or manage everyday expenses efficiently. For those considering purchasing a vehicle, our Auto Loans & Vehicle Financing make it easy to drive away in your new car without breaking the bank. We offer competitive rates and flexible terms, ensuring you find an option that fits your budget.

Support for Your Financial Goals

We also provide Personal Loans & Debt Consolidation options that can help simplify your finances. If you've found yourself juggling multiple payments, consolidating them into one manageable loan can alleviate stress and save you money in the long run. Don't forget about our Credit Cards with Rewards, designed to give back every time you shop! Enjoy perks and rewards while making everyday purchases it's like earning money while spending!

Digital & Online Banking

Key Features of Our Digital Banking Services

With our user-friendly mobile application, you can check your balances, transfer funds, and pay bills right from your smartphone. Enjoy the convenience of mobile payments, allowing you to make purchases quickly and easily without needing cash or cards. Plus, if you need to send money to friends or family, our person-to-person transfer feature makes it simple and fast. Security is a top priority at Educational. We use electronic signature authorization for transactions, ensuring that your information remains protected while you manage your accounts online. For those who prefer paperless options, we also provide e-statements, which are not only eco-friendly but also help you keep track of your financial activity in a secure way. Whether you're checking your account balance or making a transfer between accounts, our online banking services are designed with accessibility in mind. You can enjoy real-time account management from anywhere, giving you peace of mind knowing that you're always in control of your finances. Experience the ease and security of digital banking with us at Educational. Sign up today and take advantage of all the features available to help simplify your financial life!

Financial Strength

Dedicated Team at Your Service

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. Our total share accounts stand at 258,229, 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 is your trusted partner. Visit us at 1498 Ne 2Nd Ave Miami Fl 33132 or call (305) 379-0621 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

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.

Reinvestment for 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. This commitment allows us to adapt to your needs while continuously improving our services.

Strong Financial Position

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 15.75% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

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. Our $3,935,970 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Additional Offerings

For those looking for more personalized financial solutions, our total credit lines stand at $543,653,000, giving you access to additional funds when you need them. At Educational, we're committed to helping you navigate your financial journey with ease. You can reach us at (305) 379-0621 for any questions or further information on how our loan products can benefit you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at our branch located at 1498 Ne 2Nd Ave Miami Fl 33132, Miami, FL, and let us assist you in achieving your financial aspirations!

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 and refinancing options to make your experience as smooth as possible.

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. We guide you through every step, ensuring you understand your options and feel confident in your choices.

Unsecured Credit Card Loans

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. These credit lines are designed to provide you with the financial flexibility you need for unexpected expenses or everyday purchases.

Loan Aggregator

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Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions. By comparing options side-by-side, borrowers can identify the best rates available in real time, making it easier to choose the right loan. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the rates presented are reflective of current market conditions without hidden agendas.

EDUCATIONAL FEDERAL CREDIT UNION - Miami, FL

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Miami, FL (33132)

Introduction

Branch History & Mission

Community Commitment

Our Mission

Our Story

Branch Location & Accessibility

Accessibility Features

Call to Action

Operating Hours and Services

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make Sense

Our Commitment to Businesses

Comprehensive List Of Services

Business Services

Connect With Us

Digital Access and Convenience

Home Financing Options

Personal Banking Solutions

Support for Your Financial Goals

Digital & Online Banking

Key Features of Our Digital Banking Services

Financial Strength

Dedicated Team at Your Service

Member-Centric Savings Solutions

Reinvestment for Growth

Strong Financial Position

Support for Your Financial Goals

Loan Offering

Additional Offerings

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

No Sponsored Listings

Real-Time Rate Comparisons

Verified Data

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