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Your Credit Union offers a wide variety of loan products and services to meet your needs.
Loan applications may be submitted, in person, through the mail, online, or by calling.
Local - (800) 356-6660
During working hours press prompt 3
After 5:00 p.m. press prompt 2
Long Distance - (800) 356-6660
During working hours press 3
After 5:00 p.m. press prompt 2
Whether it’s your first set of wheels or the car of your dreams, your Credit Union can make the process oh so easy! Plus, you’re borrowing from your Credit Union.
We offer terms up to 60 months 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.
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 800-356-6660 and press 4782 or visit
a branch near you.
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| * Annual Percentage Rate (APR). |
With
an Educational Systems FCU Visa Credit Card there’s no annual fee,
you have up to a 25-day grace period & you’ll enjoy a low minimum
monthly payment. It’s a great reflection on you.
Use your signature loan cash for such as: vacations, computers, appliance or furniture purchases, financing much older cars or debt consolidation. We offer terms up to 60 months with varying rates.
First Trust Mortgage
Are you a first time homebuyer, looking for a new home or want to refinance your
existing mortgage? Your Credit Union 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 800-356-6660, 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. For Second Trust Mortgage rates, please click
here or call
1-800-356-6660 ext. 4045 to speak with one of our mortgage loan specialists.
Home Equity Line of Credit
- Bill Consolidation
- Home Improvements
- Education Expenses
For information on rates, please click here.
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.
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.
Educational Systems FCU also offers loans for computers, educational opportunities, recreational vehicles, boats and motorcycles. For more information on all these products call the loan department at 800.356.6660.
For that added peace of mind. Educational Systems FCU offers you the opportunity to purchase credit life/credit disability insurance on your loan accounts. See the attached credit insurance enrollment form for details.
Owner Occupied Rates
Annual Percentage Rates (APR)
Effective July 1, 2010
| 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.
