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Get the money you need and continue saving

If you're building your credit or need money to cover expenses, you can borrow against your savings at Educational Systems FCU with a Shared Secured or Certificate Secured Loan.* Since you're using your savings as collateral, you'll pay a lower interest rate than those typically offered on credit cards or unsecured loans. Both loans allow you to continue to earn dividends on your savings while getting a competitive loan rate. 

  • Share Secured Loan: You can borrow up to the amount you have on deposit in your savings account for up to 120 months. The loan rate is your savings rate plus 3.00%. 
 
  • Certificate Secured Loan: You can borrow up to the amount you have on deposit in your certificate account for up to the remaining term of your certificate. The loan rate is your certificate rate plus 3.00%. 

Here to help

Apply online for a
Apply online for a
Personal Loan

Call to apply
Call to apply
301.779.8500

Visit one of our
Visit one of our
branch locations

* Applications are subject to credit qualifications and approval. Actual rate is based on your credit history. Must meet membership eligibility requirements.

Auto loans that make the grade

  • No payments for 90 days
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