Employees Choice

266 S Magnolia Ave Ste 101, El Cajon, CA 92020

NCUA Insured4.5 (8 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1960

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

Membership Eligibility

Anyone who lives, works, or worships in or around El Cajon, CA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1960

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

266 S Magnolia Ave Ste 101

El Cajon, CA 92020

Google Maps 🗺Waze

(619) 579-0941

Service Area

This credit union is located in El Cajon and serves members in the CA area. Currently serving 1,064 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

4.68%

Used Auto Loan

4.68%

Personal Loan

14.00%

Credit Card APR

9.90%

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 CA

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

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%

Sunkist Employees— Used Auto Loan

Valencia, CA

2.40%

North Bay— Personal Loan

Santa Rosa, CA

2.33%

Glendale Area Schools— Credit Card APR

Glendale, CA

6.46%

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

Branches & Locations(2 total)

Member Reviews

4.5

8 Google reviews

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

View on Google Maps

Cameron DeMarco

6 years ago

I've been a member of E.C.F.C.U. since approximately 1988. They are the BEST! They get my loans done quickly & with less hassle. Very courteous & professional in handling all my banking needs, highly recommended!

K Hilgers

6 years ago

This credit union claims it takes 10 days for my check to clear even though my bank is showing the check was processed the very next day. They have 20,000 dollars of my money and are holding a document I need and refusing to release the document until " the check clears" . My bank states the check cleared 11/21/19. It's 12/2/19 and they claim they haven't received the funds yet. This is obviously criminal. Avoid this business.

Tyler Bradberry

5 years ago

I’ve had this bank for years. Even though I haven’t been into the branch in a while, the staff is still always very helpful and is easily accessible. Love it