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Educational Systems

PO Box 179, Greenbelt, MD 20768
NCUA Insured4.0 (154 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 179

Greenbelt, MD 20768

Service Area

This credit union is located in Greenbelt and serves members in the MD area. Currently serving 83,975 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

5.49%

Personal Loan

18.00%

Credit Card APR

7.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MD

Lowest rates currently reported by credit unions in MD (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(14 total)

Member Reviews

4.0

154 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Ellen Kangah

Ellen Kangah

7 months ago

This is review is not exclusive to this location, but about the bank in general. This bank is the worst. They make it so hard to make payments. If you call them the wait is always long, and there have been several times that I've called and the customer service agent hangs up as soon as it connects me to them, after waiting for sometimes over an hour! Its ridiculous. They lack resources, and good customer service. Closing my account with them ASAP. Do better.

Jufy Friday

Jufy Friday

8 months ago

I am always happy with the Services I receive at this credit Union. The folks are warm and knowledgeable. I keep coming back at every chance I get. These folks are the greatest. Thank you and keep up the excellent service.

kathy wooters

kathy wooters

11 months ago

we have a car loan under them I call about my car and the lady told me I had to call direct to the credit union she couldn't transfer me to them,so I call and of course they don't answer their phone, and I couldn't find the account number this is so bull crap. this is the worst I ever had to deal with!! the credit union in Easton is better at least they are more friendly and helpful.going to Easton this week to deal with this problem I give 5 Stars to Easton.

Virginia B

Virginia B

a year ago

I have been a loyal member of this credit union for over 20 years. Two years ago, I refinanced my leased vehicle through them—a decision I now deeply regret. At first, the interest rate seemed competitive. However, I quickly discovered that the contract was overly restrictive and difficult to navigate, with very few consumer protections. The service contract I was required to purchase provided minimal value, covering only minor issues that could be found on YouTube, and excluded coverage for major repairs or meaningful assistance. Worse, the institution has made unauthorized withdrawals not even from my account but my fathers — taking funds meant for essential living expenses like rent. My father is a 68 years old man and on a fixed income. No one should have to fight their own financial institution just to maintain stability and dignity. The credit union has shown no willingness to assist during times of financial hardship. Their practices feel predatory and designed to trap members in inflexible contracts with little recourse. I have seen similar complaints from other consumers, and it appears that this is a pattern of behavior, not an isolated incident. This is unacceptable. We, as members and consumers, deserve better. I am filing this complaint not only for myself but for the many others who may not yet have a voice in this fight. I strongly urge the NCUA to investigate this institution’s conduct and take appropriate action. I will be reaching out to ensure this. *Stay away from Auto Loans with ESFCU! It’s a trap and it’s not worth it! Get that rate somewhere else

Shirley Z. Jacobs - shirleyspeakslive

Shirley Z. Jacobs - shirleyspeakslive

3 years ago

I had an excellent experience here with Katina Anderson. I came in sad and she turned my sadness into gladness. What outstanding customer service she gave!! Being a senior, she even made it more efficient for me to make automatic car payments via transfer.. Without her instructions I could not have done this on my own. I am so grateful that she suggested to assist me after standing in line to pay my note. So much appreciated. I feel so relieved now!! Oh what a wonderful feeling!!! She definitely deserve a raise. She really went out of her way to satisfy me as a happy customer. I use to be a Customer Service Supervisor and a GOLD Standard Trainer for the State of Maryland under Governor Hogan. She definitely checked ALL the boxes and some. OUTSTANDING CUSTOMER SERVICE!!! Ms. Jacobs

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).