School Employee Perks | MD Auto Loans | Educational Systems FCU

Financing designed for the education community

For over 65 years, we have proudly served the education community. Like those who serve to educate others, we believe in making a difference. For us, it is an honor to Support Education—proudly serving teachers, administrators, support staff, parents and students. It is who we are and what we do.

Helping members finance what they need

Mortgages: financing with as little as 3% down payment¹
Auto Loans: no payments for 90 days and a Summer Skip Payment Option²
Visa^® Credit Cards: earn reward points with every purchase³

Accounts to help you save

Checking accounts: use your debit card at thousands of surcharge ATMs
Premium Summer Pay: save for the summer months⁴
Savings accounts: to help you achieve your financial goals and dreams

Schedule a financial consultation

Fill out the contact form to take advantage of these offers or to schedule a financial consultation with a Business Development Officer.

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Helping members of the education community achieve their financial goals and dreams.

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Featured Resources

Star Member Program

Members who have a total of $25,000 in combined deposits and/or loans are eligible for additional benefits.

Love My Credit Union Rewards

Get discounts on products and services you use every day through your Credit Union membership.

Discounts on Insurance

Credit Union members are eligible for home, auto and life insurance discounts.

¹ Loans subject to credit qualifications and approval. All applicants must meet membership eligibility requirements. Financing is available with as little as 3% down on a home purchase. Expected monthly principal and interest payment for a 30-year fixed conventional mortgage of $388,000 at an interest rate of 6.125% with zero points (which is an equivalent APR of 6.563%) and a principal and interest payment of $2,357.53. Total principal and interest payment is $848,709.52 with an APR as low as 6.563% for a 30-year fixed conventional mortgage. The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice.
² Interest will continue to accrue during the 90 days deferred period.
³ Applications subject to credit approval. You’ll need to provide verification of income such as your most recent pay stub.
⁴ The Premium Summer Pay account is only available for Direct Deposits received from qualifying school systems and community colleges including: Anne Arundel, Calvert, Caroline, Charles, Frederick, Howard, Montgomery, Prince George’s, St. Mary’s and Talbot Counties; and College of Southern Maryland, Frederick Community College, Howard Community College, Montgomery College and Prince George’s Community College. No other deposits qualify. No minimum balance required. The Premium Summer Pay account distributions will be made to an Educational Systems FCU savings or checking account or to another financial institution in four equal proportions on the first and third Friday of July and August. Withdrawals are restricted to summer disbursals in July and August. A $35 fee will be assessed for each early withdrawal at other times. Fees could reduce earnings on the account. Must meet membership eligibility requirements.