Educational Systems Credit Union Miami FL

Introduction

Welcome to Educational, your trusted financial partner located at 7800 SW 117th Ave, Miami, FL 33183. Established in 1935, we have proudly served our community for nearly nine decades, nurturing a strong bond with our members and their financial well-being. With a total membership of over 106,996, we are dedicated to providing personalized service and support that you can rely on. At Educational, we understand that every member's journey is unique. That's why we've cultivated a wealth of resources to help you achieve your financial goals. With total assets amounting to an impressive $1,662,844,859 and total deposits reaching $161,631,981, our stability allows us to offer a range of competitive loans and services tailored to meet your needs. Currently, we manage around 60,165 loans and leases, ensuring that our members have access to the funds they require for various life events. We believe in the importance of community impact and strive to support our local initiatives while empowering our members financially. Under the leadership of CEO Michael DiBenedetto and Board President Claude Archer, our team of 336 employees is dedicated to providing exceptional service each day. We are here for you whether you're looking to apply for a loan or simply want advice on managing your finances. For any official correspondence, please send it to our mailing address: 7800 SW 117th Ave, Miami, FL 33183-3825. If you have any questions or need assistance, don't hesitate to reach out by calling us at 305-270-5200. Join us today at Educational where your financial success is our mission! Visit our website at edfed.org or stop by our branch; we look forward to serving you!

Branch History & Mission

Join Us

As we continue to grow and adapt, we invite you to become part of this legacy. Experience firsthand how Educational Credit Union can help you achieve your financial goals while being part of a community-focused organization. Whether you need assistance with loans or are looking for ways to save, we are here for you every step of the way. Visit us today or call us at (305) 270-5200 to learn more about how you can benefit from being a member of Educational Credit Union!

Our Mission

The mission of Educational Credit Union is straightforward yet impactful: to enhance the lives of our members by offering exceptional financial services and support. We believe in fostering an environment where everyone can thrive financially. This means not only providing loans and savings options but also engaging in community outreach programs that promote financial education. While members can visit us at 7800 Sw 117Th Ave Miami Fl 33183, official correspondence should be sent to 7800 SW 117th Ave, Miami, FL 33183-3825 if different from the branch address. We understand the importance of accessibility; that's why we focus on digital advancements like online banking and mobile payments to make managing finances easier for everyone. Our dedication extends beyond just transactions. We actively partner with local organizations to support various community initiatives, helping those in need and working towards building a better future for all residents in Miami-Dade County.

Branch Location & Accessibility

Convenient Access and Amenities

At Educational, we understand that accessibility is key. Our location features ample parking space, ensuring that you can find a spot without hassle. Plus, our facilities are designed with everyone in mind, featuring ADA-compliant entrances and ramps for those who need them. While members can visit us at 7800 Sw 117Th Ave Miami Fl 33183, official correspondence should be sent to our mailing address at 7800 SW 117th Ave, Miami, FL 33183-3825 if it differs from our physical location.

Operating Hours

We offer flexible operating hours to accommodate your busy schedule. Whether you need assistance with your account, want to discuss loan options, or simply have questions about our services, feel free to reach out during our various operating hours.

Services Tailored for You

Though we currently do not have ATM services or drive-thru banking available, our dedicated staff is ready to assist you with a range of financial services inside the branch. From personal loans to savings accounts, we're here to help you navigate your financial journey. If you're curious about what we offer or need assistance, don't hesitate to call us at (305) 270-5200. Our friendly team is eager to assist you and ensure your experience with Educational is a positive one. Come visit us today! We look forward to welcoming you into the Educational family.

Member Eligibility

At Educational, we believe that everyone deserves a place in our community, and becoming a member is easy and welcoming! If you're interested in joining us at our branch located at 7800 Sw 117Th Ave Miami Fl 33183, you'll be pleased to know that membership is open to anyone who lives, works, or goes to school in the areas we serve. This inclusive approach means that whether you're a local resident, a dedicated employee, or an eager student, you can enjoy all the benefits of being part of our family. To learn more about the specific eligibility details, feel free to check out this helpful resource: Membership Eligibility. Joining Educational not only gives you access to competitive rates on loans and savings accounts but also connects you with a network of supportive members and staff who are here for you every step of the way. Opening an account is straightforward and can be done online or by visiting us directly. If you have any questions or need assistance, don't hesitate to reach out at (305) 270-5200. We can't wait to welcome you into our community! For more information about account opening, visit Account Opening Details.

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a partner who not only provides funds but also helps you streamline your operations. Our merchant services are designed to help you accept payments easily, manage cash flow, and enhance customer experience. From credit card processing to online payment solutions, we empower you to focus on what you do best running your business. Visit us at 7800 Sw 117Th Ave Miami Fl 33183 in Miami, FL to learn how we can help your business thrive! For more information, call us at (305) 270-5200 or explore our services online at Kendall.

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

Banking Made Easy

In today's fast-paced world, having convenient access to your finances is crucial. That's why we offer comprehensive ATM Services Only, allowing members to withdraw cash and check balances with ease. You can find our ATMs conveniently located, ensuring you have access whenever you need it.

Community Commitment

At Educational, we understand that being part of a community means more than just providing financial services; it means building relationships and supporting each other. We are committed to ensuring that our members feel valued and empowered in their financial decisions. If you have any questions about our services or want to learn more about becoming a member, don't hesitate to reach out! Call us at (305) 270-5200 or visit us during our operating hours. We look forward to serving you and helping you achieve your financial goals! Explore what we have to offer at Kendall today!

Digital Banking Solutions

Embracing technology is key to enhancing your banking experience. With our robust digital banking features, you can manage your accounts from the comfort of your home or on the go. Our online banking platform allows you to monitor transactions, pay bills, and transfer funds easily keeping your finances at your fingertips. For those who prefer mobile banking, our user-friendly app offers similar functionalities, so you can stay connected wherever life takes you. Plus, features like person-to-person payments make sending money to friends or family quick and hassle-free.

Personalized Loan Options

When it comes to financing big purchases or unexpected expenses, our team is here to help. While we primarily focus on ATM services, we also encourage members to explore various loan options that can be beneficial for buying a car, covering medical bills, or funding home improvements. Our friendly staff is always ready to assist you with any questions you may have.

Digital & Online Banking

Explore Our Online Banking Services

Visit us at https://www.edfed.org/ to dive into our robust online banking features. Whether you need to check your balance, transfer funds, or pay bills, our 24/7 online banking service is always available for you. You can access your account from anywhere, anytime, ensuring you're always in control of your money.

Manage Your Money on the Go

With our mobile application, banking on the go is simple. You can even take advantage of our mobile payments feature to make quick transactions directly from your smartphone. Need to send money to a friend? Our person-to-person transfers allow you to send funds instantly and effortlessly. At Educational, we are committed to providing accessible and efficient banking solutions that fit seamlessly into your lifestyle. Enjoy real-time account management and experience the freedom that comes with modern banking today!

Safe and Secure Transactions

Security is a top priority at Educational. We use advanced technology to protect your information while you enjoy the benefits of electronic signature authorization, making it easy to sign documents digitally without the hassle of paperwork. Plus, with our e-statements feature, you can view your account statements securely online whenever you need them.

Financial Strength

At Educational, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength allows us to provide you with the best services possible. 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 1575 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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 with $13,927 in used auto loans and $927,064,883 in total loans and leases across various sectors. Our operational efficiency is reflected in our $0 net income, which enables 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 and committed team. Net Shares (Funds available for lending and investments): $53,908. Total Share Accounts: 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 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. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

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 a new or used vehicle, we have flexible options that can fit your budget.

Credit Lines

For those looking for additional flexibility in managing expenses, our total credit lines amount to $543,653,000. This gives you access to funds when you need them most, whether it's for unexpected costs or planned expenses. If you're considering refinancing any existing loans or exploring eligibility options, our team is here to assist you every step of the way. We pride ourselves on providing personalized service tailored to your financial situation. To learn more about our loan offerings or to speak with one of our knowledgeable representatives, please contact us at (305) 270-5200. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey towards financial success starts here at Educational, located at 7800 Sw 117Th Ave Miami Fl 33183, Miami, FL. Let us help you find the right loan solution 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 help guide you through the process so you can focus on making your house a home.

Unsecured Credit Cards

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 interest rates and no annual fees, making them an excellent choice for everyday purchases.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By using LendMesh, you gain access to a tool designed for clarity and informed decision-making. LendMesh ensures accurate loan comparisons through a commitment to sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is rooted in transparency, as it relies on the latest results published by the NCUA (Source: https://www.ncua.gov). This means you are viewing offers that are fair and adhere to established regulations. One of the key benefits of using LendMesh is its focus on Verified Data. All loan offers come from legitimate financial institutions, which reinforces trust and reliability. Additionally, there are No Sponsored Listings on the platform. This means LendMesh does not prioritize lenders based on paid promotions; instead, it aims to present users with unbiased results. With Real-Time Rate Comparisons, users can easily see up-to-date loan rates from multiple institutions. This feature enables you to make informed decisions quickly, without having to sift through outdated or misleading information. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the real impact LendMesh can have on your financial choices. 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

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