Educational Systems Credit Union Miami FL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Educational Credit Union, your trusted financial partner located at 18975 NW 2nd Ave, Miami, FL 33169. Since our establishment in 1935, we have been dedicated to serving our vibrant community with a wide range of financial services tailored to meet the needs of our members. With a robust membership base of over 106,996 and total assets exceeding $1.66 billion, we pride ourselves on being a reliable institution where you can feel secure about your finances. At Educational Credit Union, we understand that financial well-being is essential for individuals and families alike. That's why we offer everything from personal banking and auto loans to mortgage refinancing and credit cards with rewards. Our commitment to providing excellent service is reflected in our 336 dedicated employees, who are here to assist you every step of the way. While members can visit us at 18975 NW 2nd Ave, official correspondence should be sent to the same address for convenience. For any inquiries or assistance, feel free to give us a call at 305-914-3939. Our leadership team, headed by CEO Michael DiBenedetto and Board President Claude Archer, is passionate about fostering a supportive environment for all our members. We believe in empowering you with the tools and resources necessary for achieving your financial goals. With total deposits amounting to $161,631,981 and cash in hand of $11,404,581, we are well-positioned to support your borrowing needs, which include over 60,165 loans and leases issued to date. Our strength lies not just in numbers but also in our unwavering commitment to member satisfaction and community impact. Discover more about how we can help you thrive financially by visiting our website at www.edfed.org. Join us today and experience the difference that a member-focused credit union can make!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become part of our growing family at Educational. Come visit us or call us at 305-914-3939 to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future for ourselves and our community!

Our Evolution

Since its inception, Educational has been dedicated to providing quality financial services tailored to meet the needs of our diverse membership. Over the decades, we have adapted and expanded our offerings to include personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We've also embraced technology by introducing online and mobile banking services that allow our members to manage their finances conveniently from anywhere. The journey hasn't just been about growth in numbers. We take pride in our commitment to community outreach and partnerships that make a real difference in people's lives. By participating in various local events and initiatives, we ensure that we are not just part of the financial landscape but also an active participant in the well-being of our neighbors.

Our Mission

At Educational, our mission is clear: We strive to provide outstanding financial services while fostering a sense of community among our members. We believe that when individuals thrive financially, communities flourish as well. That's why we focus on offering resources that empower people from financial education programs to personalized support. While members can visit us at 18975 NW 2nd Ave, official correspondence should be sent to 18975 NW 2nd Ave, Miami, FL 33169 if you need to reach us by mail. Our branch features both ATM availability and drive-thru banking services for your convenience. With operating hours designed around your busy schedule, we invite you to experience the difference at Educational. Whether you're looking for help with personal loans or seeking advice on managing your finances, we're here for you.

Branch Location & Accessibility

Welcome to Educational at our convenient branch located at 18975 NW 2nd Ave, Miami, FL 33169. Nestled in the vibrant community of Miami Gardens, this location is easy to reach for all your banking needs. Just a stone's throw away from local favorites like the Miami Gardens Mall and the scenic Hard Rock Stadium, our branch is perfectly situated for both residents and visitors. While you can find us at this address for all your banking transactions, please note that official correspondence should be directed to the same address: 18975 NW 2nd Ave, Miami, FL 33169. We are committed to making your visit as comfortable as possible. Our branch features accessible parking and ramps to ensure everyone can access our services with ease. Our operating hours are designed to fit your busy schedule check in with us during various times throughout the week! You can also take advantage of our drive-thru banking service for quick deposits and withdrawals without leaving your car. Plus, we offer ATM availability right on site, making it easy for you to access cash whenever you need it. For any questions or assistance, feel free to give us a call at 305-914-3939. Whether you're looking for personal banking options like checking accounts, auto loans, or mortgage refinancing, or if you need business banking services, our friendly staff is here to help. We invite you to visit us soon and experience firsthand how we can support your financial journey!

Member Eligibility

Joining the Educational family is like stepping into a welcoming community where your financial well-being is our top priority. To become a member at our branch located at 18975 Nw 2Nd Ave Miami Fl 33169, you'll find that the eligibility criteria are quite simple and inclusive. We invite anyone who lives, works, or worships in our service areas to join us! Whether you're a student, a working professional, or simply looking for a supportive banking partner, there's a place for you here. You can read more about the specific eligibility requirements on our website at http://www.edfed.org/promotions/about/membership/shred-a-thon/. Once you know you're eligible, opening an account with us is a breeze! Just visit our account opening page at http://www.edfed.org/promotions/loans/vehicles/auto-cash-back/ for all the details on how to get started. If you have any questions or need assistance, feel free to reach out to us at (305) 914-3939. We can't wait to welcome you as part of the Educational community, where we're committed to helping you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services for Every Business

In addition to loans, we offer robust merchant services that simplify payment processing. Imagine being able to accept payments quickly and securely from your customers, whether they prefer credit cards or mobile payments. Our services are designed to enhance your cash flow and provide a seamless experience for your clients. Visit us at 18975 Nw 2Nd Ave Miami Fl 33169 in Miami, FL or call us at (305) 914-3939 to learn how our business banking solutions can help you thrive!

Tailored 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.

Comprehensive List Of Services

Convenient Transactions

For those quick transactions, our branch offers basic drive-thru banking for deposits and withdrawals, as well as simple ATM access. You can get in and out without any fuss, ensuring that your time is respected. At Educational, located at 18975 Nw 2Nd Ave Miami Fl 33169, we strive to create an inclusive environment where all members feel valued and supported in their financial journeys. For any questions or assistance, don't hesitate to reach out at 305-914-3939. We invite you to explore our comprehensive suite of services today! Visit us or check out our website at edfed.org to learn more about how we can assist you in achieving your financial goals!

Digital Banking for Convenience

In today's fast-paced world, having access to your accounts anytime is crucial. That's why we offer robust Online & Mobile Banking features. From checking balances to transferring funds or paying bills from the comfort of your home or on the go, we've made banking easier than ever. You can also access our ATMs for cash withdrawals and balance checks without any hassle.

Financing Your Dreams

When it comes to financing, we offer various options tailored just for you. Looking to buy a new vehicle? Our Auto Loans & Vehicle Financing are flexible and designed to fit your budget. If you're considering homeownership or refinancing an existing mortgage, our Mortgage Loans & Refinancing services can guide you through the process with ease. Do you need extra cash for personal expenses? Our Personal Loans & Debt Consolidation options provide you with the funds you need while helping you simplify your finances. Plus, enjoy great benefits with our Credit Cards with Rewards, making every purchase more rewarding.

Personal Banking Made Easy

For everyday banking needs, our Personal Banking options include Checking and Savings Accounts that make managing your money straightforward and convenient. Imagine having a checking account that not only provides easy access to your funds but also rewards you for using it. Our savings accounts can help you grow your wealth over time with competitive interest rates.

Support for Your Business

If you're a business owner, you'll find valuable support at Educational. Our Business Banking services include Merchant Services and Business Loans, ensuring that your financial needs are met so you can focus on growing your enterprise.

Digital & Online Banking

Accessibility at Your Fingertips

Whether you're using a computer or your smartphone, our digital banking tools empower you with real-time account management right at your fingertips. Say goodbye to long lines and hello to flexible banking solutions that adapt to your lifestyle. At Educational, we are committed to providing services that not only meet but exceed your expectations in digital and online banking. Discover how we can help streamline your banking experience today!

Go Paperless with E-Statements

We offer e-statements for those who prefer a more environmentally friendly option. These statements provide quick access to your account details without the clutter of paper. You'll receive notifications when your statements are ready for viewing, keeping you informed and organized.

Mobile Banking on the Move

For those who like to bank on the go, our mobile application is available for download. With this app, managing your finances has never been easier. Need to make payments? You can use our mobile payments feature for quick transactions. Plus, if you want to send money to friends or family instantly, our person-to-person transfers make it simple and fast.

Online Banking Experience

With our 24/7 online banking services available at https://www.edfed.org/, you can manage your accounts anytime, anywhere. Whether you want to check your balance, pay bills, or transfer funds, everything is just a few clicks away. Our user-friendly interface makes navigation simple, ensuring that even those new to online banking can feel confident.

Secure Transactions

Security is a top priority for us at Educational. We utilize advanced technology to keep your personal information safe. You can also take advantage of our electronic signature authorization feature, making it easy to sign documents securely without needing to visit a branch.

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected by our $3,935,970, 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 who are always ready to serve you with a knowledgeable, committed team.

Growing Together

Total Share Accounts stand at 258,229, showing a strong and growing member base that trusts us with their finances. With Net Shares available for lending and investments at $53,908, we remain dedicated to serving you 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 18975 Nw 2Nd Ave Miami Fl 33169 or call (305) 914-3939 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

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 is evident with $13,927 in used auto loans and $927,064,883 in total loans and leases, supporting your financial goals across various sectors.

Member-Centric Savings

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.

Solid 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 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.

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Credit Cards and Personal 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. If you are looking to consolidate debt or need extra funds for unexpected expenses, our personal loan options are designed to give you peace of mind.

Credit Lines

For those needing additional flexibility with their spending habits or unexpected costs, our credit lines amounting to $543,653,000 provide an excellent solution. You can access funds as needed while only paying interest on what you use. If you're considering refinancing your existing loans or exploring eligibility options for any of these products, don't hesitate to ask our knowledgeable staff for guidance. 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're dedicated to empowering our members through transparent lending practices and personalized service. Visit us today at Educational and let's discuss how we can help you achieve your financial aspirations!

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 pride ourselves on making the home financing process straightforward and stress-free.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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 ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh guarantees that all loan comparisons are based on accurate and up-to-date information.

EDUCATIONAL FEDERAL CREDIT UNION - Miami, FL

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans

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Loan rates in Miami, FL (33169)