Credit union · NCUA insured
Educational Systems Federal Credit Union
Top CarrotA $1.4B credit union, the 365th largest of 4,329, headquartered in Greenbelt, MD, with 84,377 members and 13 branches in Maryland. Best rates: CDs 4.65% and savings 2.75% APY.
Educational Systems Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Educational Systems Federal Credit Union
Educational Systems Federal Credit Union has served the education community since 1955.
The credit union is committed to fostering financial well-being for teachers and educators in Maryland and across the country.
- Headquarters
- 7500 Greenway Center Dr, Suite 1400, Greenbelt, MD 20770
- NCUA charter
- 10696
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in St. Mary's County, Maryland are eligible for membership.
Employers and groups
- Individuals affiliated with the Howard County Library System are eligible to join by becoming a member of the Support Education Foundation.
- Employees of Howard University Hospital are eligible for membership.
Military, government and schools
- Employees (including contractors), students, parents, and alumni of specified colleges and universities are eligible for membership.
- Employees (including those paid by a contractor), students, and parents of specified Maryland county public school systems are eligible for membership.
Family and household
- Immediate family members of individuals eligible for Educational Systems Federal Credit Union membership are eligible to join.
2 more ways to join
Family and household
- Immediate family members of existing Educational Systems Federal Credit Union members are eligible to join.
Other ways
- Individuals can join by becoming a member of the Support Education Foundation if they are a volunteer, employee, student, alumni, or retiree of any public or private school/system, college/university, or education-related organization.
Branches
13 branches in Maryland
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Maryland
13 branches
Washington area · 9
- Bowie15998 Annapolis Rd, Bowie, MD 20715Directions
- Clarksburg23225 Stringtown Rd, Clarksburg, MD 20871Directions
- Rockville15901 Frederick Rd, Derwood, MD 20855Directions
- Forestville7714 Marlboro Pike, Forestville, MD 20747Directions
- Germantown19215 Frederick Rd, Germantown, MD 20876Directions
- Greenbelt7500 Greenway Center Dr Ste 140, Maryland Trade Center 1, Greenbelt, MD 20770Directions
- Aspen Hill13711 Georgia Ave, Silver Spring, MD 20906Directions
- Cherry Hill12500 Prosperity Dr, Silver Spring, MD 20904Directions
- Waldorf169A Smallwood Village Ctr, Waldorf, MD 20602Directions
Lexington Park area · 2
- Lexington Park46320 Lexington Village Way, Suite 100, Lexington Park, MD 20653Directions
- Prince Frederick705 Prince Frederick Blvd, Prince Frederick, MD 20678Directions
Baltimore area · 1
- Annapolis2625 Riva Rd Ste C, Annapolis, MD 21401Directions
Easton area · 1
- Easton Branch8448 Ocean Gtwy, Ste 1, Easton, MD 21601Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.79% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.52% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.91% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalNet worth ratio10.79%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.52%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.91%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Educational Systems Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.