Page 19 - 2024 Annual Report

Fostering Financial Well-Being

Competitive Solutions
We are dedicated to empowering individuals and communities by providing accessible financial solutions.
Mortgages Personal Loans
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HomeAdvantage Realtors Checking Accounts
Home Equity Loans Certificate Accounts
Auto Loans Money Market Accounts
Auto Buying Program Individual Retirement Accounts (IRAs)
Student Loans Premium Summer Pay
Visa Credit Cards with Rewards Special Purpose Club Accounts
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Personalized Services
Whether you prefer to speak with someone in person, over the phone, or manage your financial matters
through digital services, we offer personalized solutions tailored to your needs.
Financial Checkups with a Certified Over 80,000 Surcharge-Free CULIANCE
Financial Counselor “CU Here” ATMs
First-Time Homebuyer Program Notary Services
Retirement and Investment Planning

Educational Resources
Educational Systems University offers valuable guidance to help you make informed financial decisions.
Seminars and Webinars Financial Literacy Programs for K-12 Classrooms,
Online Courses Parents, and College Students
Library of Articles and Podcasts

Additional Benefits
To further support our members, we offer several special programs designed to help you save even more.
Insurance Discounts: Access discounts on home, auto, and life insurance.
Love My Credit Union Rewards: Enjoy discounts on everyday products and services.
Star Member Program: Benefit from premium certificate rates, unlimited ATM access, free checks,
and waived fees.*
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HomeAdvantage : Earn cash rewards when using a HomeAdvantage real estate agent.
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Double Rewards Points: Get double points for every Visa Rewards Credit Card purchase.
Loan Protection: Safeguard your financial well-being with comprehensive loan protection options.
Here to help

Visit esfcu.org to open an account or apply for a loan in just minutes. Our website also offers valuable tools
and resources to help you make informed financial decisions.

Through Digital Banking, members can easily access account balances, transfer funds between Credit
Union accounts and to other financial institutions, pay bills, deposit checks, stop check payments, update
contact information, view statements, and more.

For personalized assistance, connect with a Credit Union Ambassador at one of our branches or by calling
our Contact Center. To schedule an appointment, visit esfcu.org.

* Members, excluding Business and Association accounts, who have a total of $25,000 in combined deposits and/or loans are eligible for additional benefits. ATM
transaction fees for any given month are waived if your Star Member Relationship is confirmed for the end of the month in which the transactions occurred.

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