NCUA Insured
Member-Owned
1 charter
Established in 1956
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1956
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in El Cajon and serves members in the CA area. Currently serving 4,714 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
8.25%Used Auto Loan
8.45%Personal Loan
11.75%Credit Card APR
11.50%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.
Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).
Burbank, CA
Valencia, CA
Santa Rosa, CA
Glendale, CA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.5
20 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsKrista Santoro
a year ago
I have been a member of ECSFCU for over 20 years. I am a single mom with a single income household, and I am consistently regarded as a member of great value. Everyone I meet with is kind, supportive, and helpful. The representatives offer advice and information to questions I didn't even know to ask, educating me about finance options. I honestly feel lucky to be banking with them, lucky that I am a member. I will never use any other bank.
Clarence W. Jasmagy Jr.
7 months ago
ECSFCU is the best! Thanks for taking care of my finances since I was 16 years old! I’m 65. You all are the best!
Liz Lara
7 months ago
I love their customer service, they’re always very quick, polite, and happy to help you with any questions you have! love Jany and Mireya they are wonderful!!
Tiana Rios
a year ago
Terrible terrible bank I just moved to this area so it was close to me. But the staff are rude and helpless. There was no people at all only me myself waiting and they all ignored me no smile no nothing just had me standing there looking dumb. And the girl with the glasses and curly hair the mixed girl I think has An Attitude I will not bank here ever !
Karen Schuetze
2 years ago
I don't have an account here, but I wanted to share a rude experience just standing on their sidewalk walking home and enjoying a stroll back from Target. Stood there for about 1 minute looking at my phone when I was startled to death when a mans aggressive voice told me I was trespassing and being recorded over a loudspeaker on the sidewalk passing through. I was literally not doing anything wrong. Needless to say, I just moved to this state. This is the closest bank to home, and I will not be choosing this bank for my new one. Don't like being accused of something I was not doing. Also, I look down when I walk, so I wouldn't have noticed the signs hanging on the ceiling portion of the building. Good thing I was not dying on the sidewalk. I would've just been told I was trespassing. Smh
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(619) 588-1515Website
Visit WebsiteMembers
4,714
Total Assets
$141.7M
Year Opened
1956
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile