Auto Loans

Whether it’s your first set of wheels or the car of your dreams, we can make the process very easy!

We offer flexible terms and very competitive rates on new and used vehicles. For new car purchases of $15,000 or more, we offer a special 72-month term option; or $35,000 or more for 84-month terms. 100% financing not to exceed Manufacturer's Suggested Retail Price on new vehicles or 125 % of NADA Trade Value on used vehicles.

Check out our loan rates

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Boat Loans

Set sail for fun with a new or used Boat Loan from Educational Systems FCU. We'll float you a loan with a competitive rate and repayment terms that fit your budget. Educational Systems FCU offers competitive rates on new, used and older used boat loans.

Apply for your loan today and you could be sailing down the Potomac this summer! Call our loan center at 301.779.8500 and press 4782 or visit a branch near you.

Check out our loan rates

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Visa® Credit Cards

 A Visa® Credit Card – With No Annual Fee!

If having a Visa Credit Card with no annual fee is most important to you, this is the perfect choice.  Whether you currently have our Classic or Double Platinum Visa Credit Card, you are welcome to apply and transfer your balance to the new Visa Card.  Just click “Apply” for the Visa with No Annual Fee.  You will also note that we have changed the names of our Classic Card to Visa GOLD and our Double Platinum Card to Visa Rewards.

Here’s your chance to design your own card! Your favorite picture will help you personalize your Visa Credit Card and make it something you’ll be proud to show, because you designed it yourself!  Keep in mind that you must have an existing or newly approved credit card in order to use CardsYouDesign.  For more details about this new feature, click here.

Our Visa Credit Card Program

With all of our Visa Credit Cards, you have up to a 25-day grace period and you enjoy low monthly payments. All insurance information and disclosures are provided during the loan application and approval process.

Visa GOLD – Formerly known as Visa Classic      Fixed Interest Rate Rates starting as low as 12.9%  Interest Rate based upon member’s credit $35 annual fee     No balance transfer fees      No cash advance fees Credit limits up to $25,000

(click to design your own card)

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Signature Loans

Use your signature loan cash to fund purchases such as: vacations, computers, appliance or furniture, financing much older cars or debt consolidation. We offer terms up to 60 months with varying rates.

Check out our loan rates

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Mortgage

First Trust Mortgage
Are you a first time homebuyer, looking for a new home or want to refinance your existing mortgage? We can help. We offer great competitive fixed rates on our First Mortgages! Make your dream a reality, contact us today. For First Trust Mortgage rates and information, please click here or call 301.779.8500, select 3 and follow the prompts to speak with one of our mortgage loan specialists.

Second Trust Mortgage
Imagine…a fixed rate and NO POINTS! For those big remodeling projects, the deck in time for the summer or the family vacation of a lifetime…your dreams could be where your home is! The equity in your home is at your fingertips. Call 1-301.779.8500 ext. 4045 to speak with one of our mortgage loan specialists.

Owner Occupied Rates
Annual Percentage Rates (APR)

Effective January 1, 2011

Second Trust Mortgage	Up to 85% LTV - As Low As
Up to 5 Years	4.50 % APR
Up to 10 Years	5.00 % APR
Up to 15 Years	6.00 % APR

* The Annual Percentage Rate (APR) will be determined by your credit, Loan-To-Value, and term. Please ask your mortgage loan officer for details.

All rates are subject to change without prior notice.

Home Equity Line of Credit

• Bill Consolidation
• Home Improvements
• Education Expenses

For information on rates, please click here.

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AlertLine of Credit

Here is a line-of-credit that’s designed for life’s sudden cash needs. Money is available to you at an attractive rate, without the inconvenience of applying each time you need a loan. You only pay interest on the amount you borrow, and the principal you repay becomes available on your account.

Check out our loan rates

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Savings and Certificate Secured

Continue to earn dividends, plus get an outstanding loan rate! It’s the best of both worlds when you use funds on deposit as collateral for your loan.

Check out our loan rates

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Credit Life & Disability

For additional peace of mind, Educational Systems FCU offers you the opportunity to purchase credit life/credit disability insurance on your loan accounts.

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