EDUCATIONAL SYSTEMS

Headquarters

P.O. BOX 179
Greenbelt, MD 20768
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 0.91% →
1-Year CD 0.50% 0.85% →
2-Year CD 0.60% 0.95% →
5-Year CD 0.80% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Educational Systems is an NCUA insured institution located in Greenbelt, MD. It was founded in 1955 and has approximately $1109.3 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
Charter Number # # 10696
Date Established 1955
Assets $1,109.30 million
Loans $679.98 million
Deposits $912.37 million
Capital $100.56 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 - November 25, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.01% $2,500 $4,999 Learn More
Money Market
0.03% $2,500 $2,999 Learn More
Money Market
0.03% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
48 Mo CD
0.65% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.70% $10,000 $14,999 Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 25, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
New American Funding
NMLS ID: 6606
2.604% 2.500% 0.75 $3,434 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to EDUCATIONAL SYSTEMS
To upload and update your bank's rates please register. It is free to register and add rates.


 

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:
Ashburn,Virginia


Educational Systems Locations


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
6.68% 6.71

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 March 30, 2020, Educational Systems had $6,585,302 in non-current loans and $437,905 in owned assets. To cover these potential losses it had $100,562,144 in net worth and $4,598,230 in loans loss reserves. That gives it a Texas Ratio of 6.68%.

Net Worth
Educational Systems U.S. Average
9.06% 13.61%

Educational Systems FCU has a net worth of 9.06% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Educational Systems

Branches and Savings

What is Educational Systems?

A federal credit union, registered with the NCUA under certificate #10696.
Learn more about credit unions here.

Is Educational Systems FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Educational Systems?

Please see Field of Membership information above for information on who is eligible to join.

What are Educational Systems's share account and share certificate rates?

Educational Systems's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Educational Systems?

Educational Systems has total capital of $100.56 million. Full information on Educational Systems's financial position is located above.

Who owns Educational Systems?

Credit Unions are owned by their members.

Where are Educational Systems branches located?

See branch locations nearby.

Are Educational Systems ATMs Open 24/7?

Do Educational Systems ATMs accept cash deposits?

Can Educational Systems customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Educational Systems have a mobile app?

Does Educational Systems have mobile deposit?

Does Educational Systems have quick pay?

How can Educational Systems transfer money to other banks or credit unions?

Does Educational Systems report to credit bureaus?

Does Educational Systems use Chexsystems?

Does Educational Systems use Equifax?

What is Educational Systems's toll free phone number?

What is Educational Systems's ACH Routing Number?

What is Educational Systems's SWIFT code?

Where can I find Educational Systems's wire transfer form?

What is the Educational Systems address for deposits?

What Products Does Educational Systems Offer

Does Educational Systems offer mortgages?

Compare mortgage rates here.

Does Educational Systems offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Educational Systems offer auto and RV loans?

Compare auto loan rates here.

Does Educational Systems offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Educational Systems

There are currently no comments for Educational Systems. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →