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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Educational Systems Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
Educational Systems Federal Credit Union's 11-month CDs rates are at 4.30%. Educational Systems Federal Credit Union's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of Educational Systems Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.87%. Rates were last updated on 03/26/2026. Educational Systems Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Educational Systems Federal Credit Union? Share your experience about Educational Systems Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Educational Systems Federal Credit Union. Educational Systems Federal Credit Union
Corporate Office 7500 Greenway Center Dr
https://www.esfcu.org Greenbelt, MD 20770 
Educational Systems Federal Credit Union CD Rates
Educational Systems Federal Credit Union Home Equity & HELOC
Educational Systems Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Educational Systems Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Educational Systems Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Educational Systems Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Educational Systems Federal Credit Union
Website
https://www.esfcu.org
Address
7500 Greenway Center Dr,
Greenbelt, MD 20770
Phone
301-779-8500
Fax
301-985-4671
President
Alonia Sharps
CEO
Girado Smith
Full-Time Employees
221
Part-Time Employees
0
Branch Locations
13
ATM Locations
20
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.87%
Return on Assets (ROA)
0.5602%
Return on Equity (ROE)
4.9488%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
1,281,987,518
Total Amount of Shares and Deposits
1,118,208,794
Total Shares and Deposits < 1 Year
1,067,396,220
Total Shares and Deposits 1 3 Years
41,603,521
Total Shares and Deposits > 3 Years
9,209,053
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
48,153,480
Total Uninsured Shares and Deposits > $250K (F+J)
48,153,480
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,070,055,314
Total Interest Expense (Sum of items 6 8)
10,749,351
Share Certificates
10,652
Number of Accounts for Share Drafts
53,056
IRA KEOGH Accounts
2,761
Number of Accounts for Regular Shares
114,648
Non Member Deposits
2
Money Market Shares
3,484
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
36,245,820
Total Liabilities
1,158,064,308
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Educational Systems Federal Credit UnionIs Educational Systems Federal Credit Union a safe place to deposit money?Yes, Educational Systems Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.8686631715699%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Educational Systems Federal Credit Union operate?Educational Systems Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Educational Systems Federal Credit Union?Yes, to access services at Educational Systems Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Educational Systems Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Educational Systems Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Educational Systems Federal Credit Union offer online and mobile banking?Most modern institutions like Educational Systems Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.esfcu.org. Current Educational Systems Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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