--- title: "Educational Systems Credit Union Rates - Maryland" description: "Current auto loan, heloc, and savings & cd rates from Educational Systems Credit Union in Maryland. Updated daily with source verification. See who can join Educational Systems Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/educational-systems" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Educational Systems Credit Union Rates - Maryland ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loans as low as** auto | — APR | 4.240% | — | Standard | Educational Systems Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **< Or =70%** heloc | — APR | 6.500% | — | Standard | | **Home Equity Loans as low as** heloc_fixed | — APR | 6.500% | — | Standard | Educational Systems Credit Union heloc rates as of November 13, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **21-month Certificates Star Member rate as high as** cd_21mo | — APY | 5.30% | 21 mo | Standard | Educational Systems Credit Union savings & cd rates as of November 13, 2026 Educational Systems Credit Union is a credit union in Maryland. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/educational-systems) , verified from [Educational Systems Credit Union's official website](https://www.esfcu.org/) Loading branch locator… ## About Educational Systems Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 84.4K Assets $1.4B Founded 1955 Locations reported 14 NCUA charter 10696 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Prince George's Community** Greenbelt Branch · Greenbelt · MD · 20770 About 0.7 miles away](https://rateapi.dev/credit-unions/maryland/prince-georges-community) [**Transit Employees** Transit Employees FCU · Greenbelt · MD · 20770-1426 About 0.7 miles away](https://rateapi.dev/credit-unions/maryland/transit-employees) [**Lafayette** Greenbelt Service Center · Greenbelt · MD · 20770-3403 About 0.8 miles away](https://rateapi.dev/credit-unions/maryland/lafayette) [**State Employees CU of Maryland, Inc** SECU Credit Union - Greenbelt Road · Berwyn Heights · MD · 20740-2315 About 1.2 miles away](https://rateapi.dev/credit-unions/maryland/state-employees-cu-of-maryland-inc) [**Nasa** Goddard · Greenbelt · MD · 20771-0001 About 1.9 miles away](https://rateapi.dev/credit-unions/maryland/nasa) [**Agriculture** Carver Center · Beltsville · MD · 20705 About 2.0 miles away](https://rateapi.dev/credit-unions/virginia/agriculture) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Educational Systems Credit Union Membership eligibility from Educational Systems Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Howard University Hospital) or the Support Education Foundation - Location Anne Arundel County, Calvert County, Caroline County, Charles County, Dorchester County, Frederick County, Howard County, Montgomery County, Prince George's County, St. Mary's County, Talbot County - Employer Howard University Hospital - Association Support Education Foundation Verified from [Educational Systems Credit Union's membership page](https://www.esfcu.org/about/membership/eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Educational Systems Credit Union Employers 13 · Associations · Schools · Family 16 published paths to membership, last verified August 21, 2026, quoted from Educational Systems Credit Union’s own published criteria. ### Employers 13 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Anne Arundel County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Anne Arundel County Public School System - Employee of Calvert County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Calvert County Public School System - Employee of Caroline County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Caroline County Public School System - Employee of Charles County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Charles County Public School System - Employee of Dorchester County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Dorchester County Public School System - Employee of Frederick County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Frederick County Public School System - Employee of Howard County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Howard County Public School System - Employee of Montgomery County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Montgomery County Public School System - Employee of Prince George’s County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Prince George’s County Public School System - Employee of St. Mary’s County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of St. Mary’s County Public School System - Employee of Talbot County Public School System “Public School Systems Employees (including those paid by a contractor), students and parents of the following school systems: Anne Arundel County Calvert County Caroline County Charles County Dorchester County Frederick County Howard County Montgomery County Prince George’s County St.…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Talbot County Public School System - Employee of Howard University Hospital “Howard University Hospital employees” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Howard University Hospital - Employee of Howard County Library System “Howard County Library System*” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Employee of Howard County Library System ### Associations 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Support Education Foundation “Become an Educational Systems Federal Credit Union member by joining our Support Education Foundation if you’re a volunteer for, an employee, student, or alumni of, or a retiree from: A public or private school or school system A public or private college or university An education-related…” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Member of Support Education Foundation ### Schools 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of College of Southern Maryland “Higher Education Employees (including those paid by a contractor), students, parents and alumni of the following schools: College of Southern Maryland” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Student at College of Southern Maryland ### Family 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Immediate family members of an individual eligible for Educational Systems Federal Credit Union membership” > [source ↗](https://www.esfcu.org/about/membership/eligibility) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Educational Systems Credit Union? Yes No ## Work at Educational Systems Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Educational Systems Credit Union ranks against Maryland peers. - See which AI assistants fetched Educational Systems Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maryland - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=educational-systems&state=maryland&code=MD&name=Educational%20Systems%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Educational Systems Credit Union offer? Educational Systems Credit Union currently offers Auto loan, and HELOC rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Educational Systems Credit Union rates updated? RateAPI verifies Educational Systems Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Educational Systems Credit Union's rate data? Rate data is collected directly from Educational Systems Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Educational Systems Credit Union? Membership via employers (Howard University Hospital) or the Support Education Foundation RateAPI tracks 16 published membership paths covering 13 employers, 1 association and 1 school for Educational Systems Credit Union, each quoted from Educational Systems Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Educational Systems Credit Union's rates against national credit-union benchmarks. [More Maryland credit unions](https://rateapi.dev/credit-unions/maryland) [Maryland auto loan rate leaders](https://rateapi.dev/auto-loan-rates/maryland) [Maryland HELOC rate leaders](https://rateapi.dev/heloc-rates/maryland) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.esfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Educational Systems Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maryland credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Educational Systems Credit Union curl "https://api.rateapi.dev/credit-unions/maryland /educational-systems " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Educational Systems Credit Union locations Search, filter, and browse all 14 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maryland/educational-systems Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp