Page 19 - 2025 Annual Report

Fostering Financial Well-Being

Competitive Solutions
We are dedicated to empowering individuals and communities by providing accessible financial solutions.
Mortgages High Yield Savings Accounts
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
Personal Loans
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.
First-Time Homebuyer Program Notary Services
Financial Checkups with a Certified Over 80,000 Surcharge-Free CULIANCE
Financial Counselor “CU Here” ATMs
Retirement and Investment Planning

Educational Resources
Educational Systems University offers valuable guidance to help you make informed financial decisions.
Seminars and Webinars Library of Articles and Podcasts
Online Courses Monitor credit, track spending, build savings
Financial Literacy Programs for K-12 Classrooms, goals, and get tips to improve your financial
Parents, and College Students health—all within Digital Banking.

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.*
®
®
HomeAdvantage : Earn cash rewards when using a HomeAdvantage real estate agent.
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, manage credit and debit cards, send a secure message, switch direct deposit, view
statements, and more.

For personalized assistance, connect with a Credit Union Ambassador by calling our Contact Center or
visiting one of our branches. 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.

Page 16