Educational Systems Federal Credit Union
Headquarters
Po Box 179
Greenbelt, MD 20768
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2024 Overview
General Credit Union Information
Educational Systems is an NCUA insured institution located in Greenbelt, MD. It was founded in 1955 and has approximately $1276.51 millions in assets.
Who can join?
Those eligible to join include:
Employees, students, as well as their parents and immediate family members of Montgomery, Prince George’s, Charles, Calvert, St. Mary’s, and Talbot County Public Schools, Montgomery College, Montgomery College Alumni Association, Prince George’s Community College (PGCC), PGCC Alumni and the College of Southern Maryland. Individuals who live or work in St. Mary’s County and their immediate family members may also join Educational Systems FCU.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 10696 |
| Date Established | 1955 |
| Assets | $1,276.51 million |
| Loans | $827.80 million |
| Deposits | $1,084.05 million |
| Capital | $128.13 million |
Field of Membership Restrictions
Membership in Educational Systems Federal Credit Union is open to employees, students, parents, and immediate family of Anne Arundel, Calvert, Charles, Montgomery, Prince George’s, St. Mary’s and Talbot County Public Schools, College of Southern Maryland, Montgomery College, Montgomery College Alumni Association, Prince George’s Community College (PGCC) and PGCC Alumni. Membership is also open to those who live or work in St. Mary County.
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.01% | $2,500 | $4,999 |
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|
|
Money Market
|
0.03% | $2,500 | $2,999 |
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|
|
Money Market
|
0.03% | $10,000 | $14,999 |
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|
|
Money Market
|
0.05% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.01% | $2,500 | $3,499 | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Educational Systems
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Educational Systems
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Branches
Below are Educational Systems branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
EDUCATIONAL SYSTEMS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Educational Systems Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Educational Systems. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Educational Systems | U.S. Average |
|---|---|
| 7.87% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Educational Systems had $10,160,152 in non-current loans and $205,750 in owned assets. To cover these potential losses it had $128,132,016 in net worth and $3,523,204 in loans loss reserves. That gives it a Texas Ratio of 7.87%.
Net Worth
| Educational Systems | U.S. Average |
|---|---|
| 10.01% | 13.62% |
Educational Systems FCU has a net worth of 10.01% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Educational Systems
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