Advertising Disclosure
  1. Home
  2. Banks
  3. Educational Systems Federal Credit Union

Educational Systems Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 8th largest credit union in the state of Maryland. It is also the 370th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 204 employees and 90,658 members at 15 locations. Educational Systems Federal Credit Union's CD rates are 4X the national average, and it has an A 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

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #10696
Year Chartered1955
Employees204
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD9.09%
Annual Interest Income$13.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.3B$1.34B
LoansQ1 2025vs Q1 2024$897.1MM$826.2MM
DepositsQ1 2025vs Q1 2024$1.14B$1.1B
Equity CapitalQ1 2025vs Q1 2024$115.9MM$97.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$9.2MM$8.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.3MM$3.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
Skip to rates for:
Report an Issue

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

Educational Systems Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%*$100k*-Money Market
OTHER TIERS: 1.00% → $2.5k - $20k | 1.15% → $20k - $100k
1.55%*$100k*-IRA Money Market
OTHER TIERS: 1.00% → $2.5k - $20k | 1.15% → $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
3.85%$100k-12 Month Jumbo Star Member CD
3.80%$100k-12 Month Jumbo Share Certificate
3.80%$500-12 Month Star Member CD
3.75%$500-12 Month Share Certificate
3.70%$100k-24 Month Jumbo Star Member CD
3.70%$100k-36 Month Jumbo Star Member CD
3.65%$100k-24 Month Jumbo Share Certificate
3.65%$100k-36 Month Jumbo Share Certificate
3.65%$500-24 Month Star Member CD
3.65%$500-36 Month Star Member CD
3.60%$500-24 Month Share Certificate
3.60%$500-36 Month Share Certificate
3.55%$100k-6 Month Jumbo Star Member CD
3.50%$100k-6 Month Jumbo Share Certificate
3.50%$500-6 Month Star Member CD
3.45%$500-6 Month Share Certificate
3.45%$100k-60 Month Jumbo Star Member CD
3.40%$500-60 Month Star Member CD
3.40%$100k-60 Month Jumbo Share Certificate
3.40%$100k-48 Month Jumbo Star Member CD
3.35%$500-60 Month Share Certificate
3.35%$100k-48 Month Jumbo Share Certificate
3.35%$500-48 Month Star Member CD
3.35%$100k-3 Month Jumbo Star Member CD
3.30%$500-48 Month Share Certificate
3.30%$100k-3 Month Jumbo Share Certificate
3.30%$500-3 Month Star Member CD
3.25%$500-3 Month Share Certificate

Educational Systems Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$100k-12 Month Jumbo Star Member IRA
3.80%$100k-12 Month Jumbo IRA Share Certificate
3.80%$500-12 Month Star Member IRA
3.75%$500-12 Month IRA Share Certificate
3.70%$100k-24 Month Jumbo Star Member IRA
3.70%$100k-36 Month Jumbo Star Member IRA
3.65%$100k-24 Month Jumbo IRA Share Certificate
3.65%$100k-36 Month Jumbo IRA Share Certificate
3.65%$500-24 Month Star Member IRA
3.65%$500-36 Month Star Member IRA
3.60%$500-24 Month IRA Share Certificate
3.60%$500-36 Month IRA Share Certificate
3.55%$100k-6 Month Jumbo Star Member IRA
3.50%$100k-6 Month Jumbo IRA Share Certificate
3.50%$500-6 Month Star Member IRA
3.45%$500-6 Month IRA Share Certificate
3.45%$100k-60 Month Jumbo Star Member IRA
3.40%$500-60 Month Star Member IRA
3.40%$100k-60 Month Jumbo IRA Share Certificate
3.40%$100k-48 Month Jumbo Star Member IRA
3.35%$500-60 Month IRA Share Certificate
3.35%$100k-48 Month Jumbo IRA Share Certificate
3.35%$100k-3 Month Jumbo Star Member IRA
3.35%$500-48 Month Star Member IRA
3.30%$500-48 Month IRA Share Certificate
3.30%$100k-3 Month Jumbo IRA Share Certificate
3.30%$500-3 Month Star Member IRA
3.25%$500-3 Month IRA Share Certificate
0.01%$5-IRA Savings
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.