Educational Systems Credit Union Miami FL | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Educational, your trusted financial partner located at 7800 Sw 117Th Ave, Miami, FL 33183. Since our establishment in 1935, we have proudly served our community with a commitment to member satisfaction and financial well-being. With over 106,996 members and total assets amounting to an impressive $1,662,844,859, we are dedicated to providing a range of services tailored to meet your unique needs. At Educational, we believe that everyone deserves access to quality financial products. We offer personal banking solutions, including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our goal is to empower our members by fostering financial growth and stability. Our leadership team is here to support you every step of the way. Under the guidance of our CEO, Michael DiBenedetto, and Board President, Claude Archer, we prioritize transparency and community engagement. We are proud of our strong net worth of $261,891,415 and a solid cash reserve of $11,404,581, which reflects our dedication to maintaining financial health for all our members. While you can visit us at our branch for face-to-face assistance, official correspondence should be sent to our mailing address: 7800 SW 117th Ave, Miami, FL 33183-3825. Whether you're looking for loan options or need help managing your accounts, our team is just a phone call away at 305-270-5200. Join us at Educational today and experience the difference of a member-focused credit union! Visit us online at edfed.org for more information about our services and how we can help you achieve your financial goals.

Branch History & Mission

Community Engagement

At Educational, we are more than just a credit union; we are an integral part of the Miami community. Our outreach efforts include partnerships with local organizations aimed at providing financial education and resources to underserved populations. We host events such as the annual Shred-a-Thon to promote safe disposal of sensitive documents while raising awareness about identity theft. While members can visit us at 7800 SW 117th Ave, official correspondence should be sent to 7800 SW 117th Ave, Miami, FL 33183-3825 if it differs from our branch address.

Join Us Today!

As we look toward the future, our commitment remains unwavering: to serve you with integrity and excellence. If you're seeking a trusted partner in your financial journey, we invite you to join us at Educational. Experience firsthand how we can help you achieve your financial goals while making a positive impact on the community around us. For more information or to become a member today, give us a call at 305-270-5200 or visit us online at edfed.org. Together, let's build a brighter tomorrow!

Our Commitment

The heart of our mission lies in delivering not just banking services but also genuine support to our members. We offer a range of products including personal banking accounts, auto loans, mortgages, and credit cards with rewards tailored to meet diverse needs. In addition to traditional banking services, we embrace technology with features like online banking, mobile payments, and electronic signatures to ensure convenience for all. We understand that accessibility is key. That's why we're proud to offer drive-thru banking and ATM availability at our location for quick transactions. For those who prefer face-to-face interactions or need assistance with more complex needs, our dedicated staff is here during various operating hours to help you navigate your financial journey.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Our location on SW 117th Ave makes it simple for you to stop by during your daily routine. We're just a short drive from local landmarks, including the bustling Westwind Lakes Park and the popular shopping spots along Bird Road. Plus, our branch features ample parking space, ensuring that your visit is as smooth as possible. For those who prefer alternate methods of banking, we offer convenient drive-thru services where you can handle deposits and withdrawals without leaving your car. Our facilities are ADA compliant, providing easy access for all members of the community.

Operating Hours and Services Offered

At Educational Credit Union, we understand that your time is valuable. That's why we offer various operating hours to accommodate your busy schedule. Feel free to call us at 305-270-5200 for specific details about our hours or any inquiries you may have. In addition to standard banking services like checking and savings accounts, we provide a wide range of offerings including auto loans, mortgage refinancing, credit cards with rewards, and more. Need cash quickly? Our ATM is available on-site for fast access to your funds. While members can visit us at 7800 SW 117th Ave, official correspondence should be sent to our mailing address: 7800 SW 117th Ave, Miami, FL 33183-3825.

Visit Us Today!

We invite you to come by and see how we can support your financial journey. Whether you're interested in opening an account or simply have questions about our services, our dedicated staff is ready to assist you. Visit Educational Credit Union today and experience banking designed with you in mind!

Member Eligibility

Joining the Educational community is like opening the door to a family that genuinely cares about your financial well-being. Located at 7800 Sw 117Th Ave Miami Fl 33183, we welcome individuals who share our values and vision. If you live, work, or worship in the area or are a member of certain eligible organizations, you may qualify for membership. This inclusive approach means that anyone looking for a supportive banking experience can find their place with us. For more detailed eligibility criteria, feel free to explore our website at http://www.edfed.org/promotions/about/membership/shred-a-thon/. Becoming a member is straightforward and rewarding. At Educational, we offer a range of services tailored to fit your needs from personal banking and auto loans to mortgages and credit cards with rewards. Plus, our friendly team is here to guide you through the account opening process, making it as simple as possible. You can reach out to us at (305) 270-5200 if you have any questions or need assistance. We're excited to help you take this important step towards achieving your financial goals!

Business Banking & Commercial Services

Loan Options for Growth

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 That Matter

In addition to loans, we offer practical merchant services tailored for everyday transactions. Imagine having a reliable payment processing solution that allows you to serve customers efficiently. From credit card processing to online payment options, our services simplify how you manage sales, giving you more time to focus on what you do best running your business. Located at 7800 Sw 117Th Ave Miami Fl 33183, Miami, FL, our team is ready to partner with you on your journey. Contact us today at (305) 270-5200 to learn more about how we can assist you!

Comprehensive List Of Services

Business Banking

For local entrepreneurs, we provide comprehensive business banking solutions, including merchant services and business loans. We understand the unique challenges businesses face today, and we're committed to helping you thrive.

Convenient Access

At Educational, convenience is key. Our ATM & cash withdrawal services ensure that you can access your funds whenever needed. Plus, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. We want to make banking easy for everyone whether through our accessible branch in Miami or via our user-friendly digital platforms. If you're ready to explore what we have to offer or if you have any questions about our services, don't hesitate to reach out! Call us at (305) 270-5200, or visit us online at Kendall. Your financial journey starts here!

Credit Options

Don't forget about our credit cards with rewards! These cards not only give you purchasing power but also offer benefits like cashback or points toward travel. It's all about making your money work harder for you.

Home Financing

For those dreaming of homeownership, our mortgage loans and refinancing options make it easier than ever to find the perfect home or lower your current mortgage payments. Our friendly staff will guide you through the process step by step.

Personal Banking

Our personal banking options are built with you in mind. We offer checking and savings accounts that help you manage your money easily. Imagine being able to track your spending and savings goals right from your phone! With our online and mobile banking, you can monitor your account anytime, anywhere, making it simpler than ever to stay on top of your finances. If you're considering buying a car, our auto loans and vehicle financing solutions can get you behind the wheel without a hitch. We understand how important reliable transportation is, so we work hard to provide competitive rates that fit your budget.

Personal Loans

Need extra cash? Our personal loans and debt consolidation services are available to help you meet unexpected expenses or combine existing debts into one manageable payment. We know life can throw curveballs, and we're here to help you navigate them.

Digital & Online Banking

At Educational, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances easier and more secure, all from the comfort of your home or on the go. With our online banking platform, you can access your accounts anytime, day or night. Whether you need to check your balance, transfer funds, or pay bills, our 24/7 online banking services ensure you have control at your fingertips. And if you prefer using your smartphone, our user-friendly mobile application makes banking even more convenient. You can download it today to manage your accounts wherever life takes you. Security is a top priority for us. With features like electronic signature authorization, you can complete transactions safely without needing to visit a branch. Plus, you can opt for e-statements to keep your financial documents organized and accessible while reducing paper clutter. Need to send money to friends or family? Our person-to-person transfers make it easy and quick to send funds securely with just a few taps on your phone. And if you're looking for a hassle-free way to pay for everyday purchases, our mobile payments feature allows you to pay directly from your device no need for cash or cards. At Educational, we are committed to providing you with the tools you need for real-time account management. Experience the convenience of modern banking today!

Financial Strength

Commitment to Excellence

Our $3,935,970 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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. Additionally, our total share accounts stand at 258,229, showing a strong and growing member base that trusts us with their finances.

Member-Focused 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.

Reinvesting 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 supports your financial goals with $13,927 in used auto loans and $927,064,883 in total loans and leases.

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.

Your Trusted Partner

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 7800 Sw 117Th Ave Miami Fl 33183 or call (305) 270-5200 to learn more about how we can help you achieve your financial goals.

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 and quick approvals, making it easier than ever to drive off with the vehicle you want.

Credit Lines

For those who need ongoing access to funds, our total credit lines amount to $543,653,000. This option allows you to borrow what you need when you need it without having to apply for a new loan each time. If you're interested in refinancing options or eligibility requirements, feel free to reach out to us at (305) 270-5200 or visit us at our branch located at 7800 Sw 117Th Ave Miami Fl 33183 in Miami, FL. Our team is here to guide you through every step of the process and ensure you find the right financial solution for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Educational can assist you today!

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 work closely with you to find the best rates and terms that fit your budget.

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 cards come with competitive rates and rewards programs that can benefit your everyday spending.

Loan Aggregator

How LendMesh Ensures 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 commitment to using verified sources ensures that all offers are fair and transparent.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, which builds trust and confidence in the options presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means users see all available options without hidden agendas. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, empowering users to make informed decisions based on current market conditions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the genuine impact LendMesh has had on its users' financial journeys. 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.

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 (33183)

Introduction

Branch History & Mission

Community Engagement

Join Us Today!

Our Commitment

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Operating Hours and Services Offered

Visit Us Today!

Member Eligibility

Business Banking & Commercial Services

Loan Options for Growth

Merchant Services That Matter

Comprehensive List Of Services

Business Banking

Convenient Access

Credit Options

Home Financing

Personal Banking

Personal Loans

Digital & Online Banking

Financial Strength

Commitment to Excellence

Member-Focused Savings

Reinvesting in Your Future

Solid Financial Health

Your Trusted Partner

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

Key Benefits of Using LendMesh

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