How to:   Search Site:  
About Us   |   Join Us   |   Contact Us   |   Career Opportunities   |   FAQs   |   Forms   |   Login   |   Courtesy Pay
Online Services Checking/Savings Loans Mortgages Credit Cards Rates Other Services Hours & Locations
Home Equity and Home Equity Line of Credit
Auto Loans
Credit Cards
Personal Loans
Money Market and IRAs
Certificate and IRAs
Savings and Checking
 Print this page
 Become a member
 Report card lost or stolen
Serving the Education Community


Buying or refinancing, Educational Systems FCU offers competitive rates and terms.

Loan Options


View today’s mortgage rates.

 Return to top

Second Mortgage

Rates effective April 1, 2017
  Loan Type  Term  APR  Monthly Payment Per $1,000  Rate As Low As
Second MortgageUp to 5 years3.25%*$18.083.25%Calculator  
 Up to 10 years4.25%$10.244.25%   
 Up to15 years6.00%$8.446.00%   

The Annual Percentage Rate (APR) will be determined by your credit, Loan-to-Value and term. Some restrictions may apply. Consult your tax advisor to determine whether the interest is tax deductible. Rate subject to change without notice.

*In our monthly payment example, with a loan of $100,000, for 5 years, multiply 18.10 x 100 = $1,810 per month; your loan will have a total cost of $108,480 ($1,808 x 60).

 Return to top

Home Equity Line of Credit (HELOC)

Rates effective April 1, 2017
We have an introductory rate special of 1.99% APR for the first 12 months.
  Loan to Value Ratio  APR  Rate As Low As
< =75%3.50%*Prime - .50%   
75.01% - 80%4.00%*Prime + 0.00%   
80.01% - 85.00%4.50%*Prime + .50%   
85.01% - 90.00%5.00%*Prime + 1.00%   
* All rates are subject to change without prior notice. Rates and terms are based upon evaluation of applicant(s) credit. Your actual rate and margin may vary. The Annual Percentage Rate (APR) for these variable rate products is based upon the Wall Street Journal Prime Interest Rate rounded to the nearest 1/4% (Index), plus the applicable margin. The maximum rate is 12.00% or the maximum permitted by law, whichever is less. The rate will never go below 3.50% APR (Floor) at any time during the term of the plan, except during a discount period. The interest rate can change quarterly, up or down, by a maximum of 1.00%. Homeowners insurance is required. Consult your tax advisor to determine whether the interest is tax deductible. Some restrictions may also apply. 

 Return to top

Education Affiliates   |   Financial Education   |   Publications   |   Calendar   |   Disclosures   |   Site Map        
© 2014 Educational Systems Federal Credit Union. All rights reserved.
Educational Systems Federal Credit Union Routing #255077008

PO Box 179, Greenbelt, MD 20768-0179  ·  301.779.8500  ·  800.356.6660
Web Design & Content Management System by Cambium Group, LLC

Federally Insured
by the NCUA