Educational Systems Credit Union Miami FL | Affordable Vehicle Loans & Easy Drive-Thru Banking

Introduction

Welcome to Educational, your trusted financial partner located at 17500 S Dixie Hwy, Miami, FL 33157. Since our establishment in 1935, we have proudly served over 106,996 members, helping them achieve their financial goals with a sense of community and care. Our commitment to providing exceptional services is reflected in our impressive financial standing, boasting total assets of $1,662,844,859 and total deposits reaching $161,631,981. At Educational, we believe in empowering our members through accessible banking solutions. With a total loan portfolio of 60,165 loans and leases, we are dedicated to offering personalized support for all your financial needs be it auto loans, mortgage refinancing, or personal loans. Under the leadership of our CEO, Michael DiBenedetto, and Board President, Claude Archer, our team of 336 employees is here to ensure you receive the best service possible. While you can visit us at our branch address for all your banking needs, please direct any official correspondence to the same address: 17500 S Dixie Hwy, Miami, FL 33157. We invite you to explore our offerings by visiting our website at edfed.org or give us a call at 305-964-4000. Together, let's build a brighter financial future!

Branch History & Mission

Community Connections

We believe in giving back to the community that has supported us throughout our journey. Our outreach efforts include partnerships with local organizations and initiatives aimed at helping those in need. From financial literacy programs to sponsorships of local events, we are proud to play an active role in enhancing the lives of our neighbors.

Join Us Today!

As we continue on this journey, we invite you to become part of the Educational family. Experience firsthand how our personalized service and community-oriented approach set us apart from traditional banks. Visit us during our operating hours of Various, call us at (305) 964-4000, or explore more about what we offer by visiting our website. Together, let's build a brighter financial future!

Our Mission

At Educational, our mission goes beyond providing traditional financial services; we are dedicated to empowering our members and uplifting our community. We strive to create an environment where everyone feels welcomed and supported in achieving their financial goals. Our offerings include personal banking services, auto loans, mortgage financing, and more all designed to cater to your unique needs. Our commitment to innovation is reflected in our state-of-the-art digital banking options, including online banking, mobile payments, and e-statements. We ensure that our services are accessible and user-friendly for everyone, embracing ADA compliance every step of the way.

Branch Location & Accessibility

Come Visit Us!

We invite you to come by and explore what Educational has to offer! Whether you're looking for straightforward banking solutions or seeking personalized financial advice, we're here for you every step of the way. Your financial journey matters to us stop by today or give us a call!

Convenient Access

At Educational, we understand that your time is valuable. That's why we offer both ATM availability and drive-thru banking services for quick transactions without having to step inside. Whether you need to make a deposit, withdraw cash, or check your balance, our facilities are designed with your convenience in mind. Plus, our branch is ADA compliant and equipped with ramps, ensuring accessibility for all our members.

Operating Hours and Services

We know that life can get busy, which is why we offer various operating hours tailored to fit your schedule. You can reach us at (305) 964-4000 for any inquiries or assistance. Our friendly team is here to guide you through a variety of services including personal banking, auto loans, mortgage options, credit cards with rewards, and more! If you're looking to send official correspondence, please note that while you can visit us at our physical address, official mail should be directed to the same location: 17500 S Dixie Hwy, Miami, FL 33157.

Member Eligibility

At Educational, we believe in building a community where everyone feels welcome and supported. Becoming a member is as simple as meeting a few friendly eligibility criteria. If you live, work, or worship in the Miami-Dade area, you're likely already eligible! We also extend membership to your family members, so they can enjoy all the benefits too. By joining us at Educational, located at 17500 S Dixie Hwy Miami Fl 33157, you'll gain access to personalized financial services designed just for you, from competitive loan rates to various account options that help you save and grow. To learn more about how you can become part of our family and take advantage of everything we offer, feel free to check out the detailed eligibility information at http://www.edfed.org/promotions/about/membership/shred-a-thon/ . If you're ready to start your journey with us or have any questions, don't hesitate to give us a call at (305) 964-4000. We're excited to welcome you into our community!

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'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.

Merchant Services

In addition to loans, our merchant services streamline daily operations for local businesses. From payment processing to point-of-sale solutions, we make it easy for you to manage transactions efficiently. Picture a busy Saturday morning at your café our services ensure that your customers enjoy a smooth checkout experience, letting you focus on what you do best: serving them. Visit us at 17500 S Dixie Hwy Miami Fl 33157 in Miami, FL, or give us a call at (305) 964-4000 to learn how we can support your business journey today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? We offer competitive auto loans and vehicle financing solutions that make purchasing your dream car easier than ever. With flexible terms and rates tailored to fit your budget, you'll be on the road in no time.

Business Banking Services

For our business members, we offer comprehensive business banking services including merchant services and business loans. We understand the unique challenges businesses face and are committed to supporting their growth with tailored financial solutions.

Credit Cards with Rewards

To further enhance your spending experience, we provide credit cards that come with rewards. Earn points on every purchase and redeem them for exciting perks, making every transaction more rewarding.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options. Manage your accounts anytime, anywhere from checking balances and transferring funds to making payments all from the palm of your hand. Plus, enjoy hassle-free ATM access for withdrawals and balance checks without any added stress.

Drive-Thru & ATM Services

For those who prefer face-to-face interaction, our basic drive-thru banking allows for easy deposits, withdrawals, and simple transactions without leaving your car. If you're on the go but still need cash, our ATMs are readily available for quick access to your funds. At Educational, we aim to be your trusted partner in all things finance. Whether it's personal or business banking needs, we've got you covered with services designed for convenience and accessibility. Ready to take the next step? Visit us at 17500 S Dixie Hwy Miami Fl 33157 or give us a call at (305) 964-4000 today!

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing an existing mortgage, our mortgage loans are designed to simplify the process. Our knowledgeable staff will guide you through each step, ensuring you find the best option that suits your lifestyle and financial situation.

Personal Banking Solutions

We understand that managing your finances can be challenging, which is why we offer personal banking options designed with you in mind. Our checking and savings accounts provide a solid foundation for your everyday banking needs. Whether you're saving for a vacation or just need a place to manage your daily expenses, we have the right account for you.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans offer quick access to cash when you need it most, whether it's for home improvements or unexpected bills. Additionally, if you're looking to consolidate debt, we can help create a plan that works for you.

Digital & Online Banking

Mobile Banking Made Easy

For those always on the go, our mobile application provides a powerful tool right at your fingertips. With the ability to make mobile payments and conduct person-to-person transfers, sharing funds with friends or family has never been simpler. Just download our app and experience how easy it is to manage your finances from anywhere.

Safety First

Your security is our top priority. We use advanced technology to keep your information safe while providing easy access to your accounts. Our online banking system is built with strong security measures to protect against fraud and unauthorized access. Feel confident knowing that you can handle your banking needs without worry. In summary, Educational offers a comprehensive suite of digital banking services that prioritize convenience and security. With everything from online banking available 24/7 to hassle-free mobile transactions, managing your money has never been easier! Join us today and take control of your financial future with confidence.

Financial Strength

A Solid Foundation

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. This strength allows us to support our members' needs effectively.

Committed Team

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 staff is dedicated to providing exceptional service tailored to your needs.

Focused on Members

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. Our approach means more value for your membership.

Growing Together

Total Share and Deposit Accounts: 258,229, showing a strong and growing member base that trusts us with their finances. This community growth reflects the trust placed in us by our valued members. 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 17500 S Dixie Hwy Miami Fl 33157 or call (305) 964-4000 to learn more about how we can help you achieve your financial goals.

Reinvesting in Our Community

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 dedication to improvement is part of our ongoing mission to meet your financial needs.

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. These options reflect our commitment to helping you grow your savings with confidence.

Supporting Your Goals

With $13,927 in used auto loans and $927,064,883 in total loans and leases, our lending capacity supports members' financial goals across various sectors. We are here to help you achieve what matters most in your life.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. With $225,779,602 in used vehicle loans and $108,739,361 in new vehicle loans already helping members get on the road, you can trust that we have the right financing options for you. We also offer refinancing options if you're looking to lower your monthly payments or reduce your interest rate.

Credit Card Loans

Managing everyday expenses? We offer flexible terms on unsecured credit card loans with a total of $35,520,006 in loans available. This option allows our members to effectively manage their finances while enjoying the benefits of rewards and low-interest rates.

Credit Lines

In need of additional funds? Our total credit lines amounting to $543,653,000 provide you with the flexibility to cover unexpected costs or finance larger purchases without the hassle. Whether it's for personal use or emergencies, our credit line offerings are designed to suit your needs. For business owners, while we currently do not have outstanding commercial loans available, we encourage you to keep an eye on our offerings as we continually seek ways to support local businesses in their growth and expansion efforts. If you're interested in learning more about any of these loan products or would like assistance with eligibility options, feel free to reach out at (305) 964-4000 or visit us at 17500 S Dixie Hwy Miami Fl 33157 in Miami, FL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial goals today!

Mortgage Options

Thinking about homeownership? Our mortgage solutions, including Junior Lien 1-4 Family Residential Properties loans totaling $55,574,920, make buying or refinancing straightforward. We strive to simplify the process so you can focus on what truly matters making your house a home.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This strict sourcing ensures that all offers presented are fair and transparent. You can trust that each comparison reflects the most current rates available in the market.

EDUCATIONAL FEDERAL CREDIT UNION