For over 60 years, we have continued to grow by helping the members of the education community achieve their financial goals and dreams. We proudly serve teachers, administrators, support staff, parents and students. Credit unions are not-for-profit financial cooperatives that are owned by their members. When you join Educational Systems Federal Credit Union, you become an owner of the Credit Union and we serve your interests. After paying expenses and setting aside reserves, we return our profits to our members in the form of lower loan rates and higher dividend rates. In contrast, banks are typically owned by stockholders who focus on profits for outside shareholders. We understand the unique needs of the education community, so we customize our products and services. For example, our Premium Summer Pay account pays a high interest rate and helps members of the education community save a portion of every paycheck during the school year to cover summer expenses. Also, when members finance an auto loan, we offer a Summer Skip Payment Option.