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Educational Systems Federal Credit Union


Overview / Commentary
www.esfcu.org
301-779-8500
7500 Greenway Center Dr Suite 1400
Greenbelt, MD 20770

Educational Systems Federal Credit Union is headquartered in Greenbelt and is the 7th largest credit union in the state of Maryland. It is also the 363rd largest credit union in the nation. It was established in 1955 and as of June of 2024, it had grown to 207 employees and 88,690 members at 15 locations. Educational Systems Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Educational Systems Federal Credit Union is open to those who work or volunteer for, or are a student, retiree, or alumni of a public or private school or school system, a public or private college or university, or an education-related organization by joining the Support Education Foundation.

Employees, students (and parents) of the public school systems in the Maryland counties of Anne Arundel, Calvert, Caroline, Charles, Frederick, Montgomery, Prince George’s, St. Mary’s or Talbot qualify for membership.

Employees, students (and parents) of the College of Southern Maryland, Frederick Community College, Howard Community County, Montgomery College, Montgomery College Alumni Association, Prince George’s Community College and Prince George’s Community College alumni are also eligible to join.

Membership is also open to those who live or work in St. Mary's County, Maryland.
See current membership details

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Health
B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #10696
Year Chartered1955
Employees207
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD11.42%
Annual Interest Income$28.7MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.3B$1.31B
LoansQ2 2024vs Q2 2023$844.7MM$779.9MM
DepositsQ2 2024vs Q2 2023$1.1B$1.12B
Equity CapitalQ2 2024vs Q2 2023$101.1MM$85.8MM
Loan Loss AllowanceQ2 2024vs Q2 2023$8.6MM$8MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$2.5MM$2.7MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Educational Systems Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Educational Systems Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$20kPremium Summer Pay
OTHER TIERS: 0.01% → $20k+
0.01%$5-Regular Savings
0.01%$0-Special Purpose Club
0.01%$5-IRA Savings

Educational Systems Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.80%*$100k*-Money Market
OTHER TIERS: 1.25% → $2.5k - $20k | 1.40% → $20k - $100k
1.80%*$100k*-IRA Money Market
OTHER TIERS: 1.25% → $2.5k - $20k | 1.40% → $20k - $100k

Educational Systems Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Dividend Checking

Educational Systems Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$100k-12 Month Jumbo Star Member CD
4.30%$100k-12 Month Jumbo Share Certificate
4.30%$500-12 Month Star Member CD
4.30%$100k-6 Month Jumbo Star Member CD
4.25%$500-12 Month Share Certificate
4.25%$100k-6 Month Jumbo Share Certificate
4.25%$500-6 Month Star Member CD
4.25%$100k-24 Month Jumbo Star Member CD
4.20%$500-6 Month Share Certificate
4.20%$100k-24 Month Jumbo Share Certificate
4.20%$500-24 Month Star Member CD
4.20%$100k-36 Month Jumbo Star Member CD
4.15%$500-24 Month Share Certificate
4.15%$100k-36 Month Jumbo Share Certificate
4.15%$500-36 Month Star Member CD
4.10%$500-36 Month Share Certificate
4.10%$100k-3 Month Jumbo Star Member CD
4.05%$100k-3 Month Jumbo Share Certificate
4.05%$500-3 Month Star Member CD
4.00%$500-3 Month Share Certificate
3.95%$100k-60 Month Jumbo Star Member CD
3.90%$500-60 Month Star Member CD
3.90%$100k-60 Month Jumbo Share Certificate
3.90%$100k-48 Month Jumbo Star Member CD
3.85%$500-60 Month Share Certificate
3.85%$100k-48 Month Jumbo Share Certificate
3.85%$500-48 Month Star Member CD
3.80%$500-48 Month Share Certificate

Educational Systems Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$100k-12 Month Jumbo Star Member IRA
4.30%$100k-12 Month Jumbo IRA Share Certificate
4.30%$100k-6 Month Jumbo Star Member IRA
4.30%$500-12 Month Star Member IRA
4.25%$500-12 Month IRA Share Certificate
4.25%$100k-6 Month Jumbo IRA Share Certificate
4.25%$500-6 Month Star Member IRA
4.25%$100k-24 Month Jumbo Star Member IRA
4.20%$500-6 Month IRA Share Certificate
4.20%$100k-24 Month Jumbo IRA Share Certificate
4.20%$500-24 Month Star Member IRA
4.20%$100k-36 Month Jumbo Star Member IRA
4.15%$500-24 Month IRA Share Certificate
4.15%$100k-36 Month Jumbo IRA Share Certificate
4.15%$500-36 Month Star Member IRA
4.10%$500-36 Month IRA Share Certificate
4.10%$100k-3 Month Jumbo Star Member IRA
4.05%$100k-3 Month Jumbo IRA Share Certificate
4.05%$500-3 Month Star Member IRA
4.00%$500-3 Month IRA Share Certificate
3.95%$100k-60 Month Jumbo Star Member IRA
3.90%$500-60 Month Star Member IRA
3.90%$100k-60 Month Jumbo IRA Share Certificate
3.90%$100k-48 Month Jumbo Star Member IRA
3.85%$500-60 Month IRA Share Certificate
3.85%$100k-48 Month Jumbo IRA Share Certificate
3.85%$500-48 Month Star Member IRA
3.80%$500-48 Month IRA Share Certificate
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