Educational Systems Federal Credit Union

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In order to get started, select an account that works for you.

Membership Savings
To establish membership, click "Apply Now." If you would also like to open another product, simply select that product, and your Membership Savings, also known as your Base Savings, will be opened simultaneously.
  • Minimum balance requirement of $5
  • Earns dividends
Premium Checking
A Premium Checking Account has no fee and access to thousands of nationwide surcharge-free ATMs.
  • No minimum balance requirement
  • No monthly service fee
Dividend Checking
The Dividend Checking Account offers dividends with a minimum balance of $500.
  • Dividends paid monthly
  • $500 minimum balance
  • $500 minimum daily balance is required to avoid the $10 monthly service charge
Money Market
A Money Market Account offers a higher interest rate than a regular savings account with a minimum balance requirement of $2,500. Dividends are compounded and paid monthly.
Certificates
A Certificate is a great way to save for your future goals such as a college education or a down payment on a house.
  • Minimum balance of $500
  • Dividends compounded and paid quarterly
  • Early withdrawal penalty
3-Month Certificate
Jumbo Certificates
A Jumbo Certificate is a great way to save for your future goals such as a college education or a down payment on a house.
  • Minimum balance of $100,000
  • Dividends compounded and paid quarterly
  • Early withdrawal penalty
Jumbo 3-Month Certificate
Premium Summer Pay
We’ve all heard the saying, “Pay yourself first.” For educators, that starts by opening a Premium Summer Pay account. Saving a portion of every paycheck during the school year through Direct Deposit can help you save for the summer months, whether you're a 10- or 12- month employee.  Learn more.
Sub-Savings
Open additional savings accounts and create a nickname for each account in Digital Banking. You can access your money in a branch or through Digital Banking and the Audio Response Teller (ART).
Special Purpose Club
Start saving for the holidays, a birthday or a big vacation with the Special Purpose Club Account. When you open the account, you can select the month that your money will be automatically transferred into the account of your choice on the first of the month.
January