Escondido

PO Box 1957, Escondido, CA 92033

NCUA Insured4.9 (10 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1959

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 Escondido, 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 1959

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

PO Box 1957

Escondido, CA 92033

Google Maps 🗺Waze

(760) 839-6225

Service Area

This credit union is located in Escondido and serves members in the CA area. Currently serving 2,082 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

4.99%

Used Auto Loan

4.69%

Personal Loan

9.20%

Credit Card APR

9.15%

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(1 total)

Member Reviews

4.9

10 Google reviews

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

View on Google Maps

Terha Newby

4 years ago

Lindsey is an ABSOLUTE Angel. She is/has been so helpful with anything and everything since we first sat at her desk and opened our very first loan with the bank. She’s so commutative, patient, and helpful. Can’t say enough great things about this branch, especially Lindsey. Thank you for always being so helpful. We’ve never been so happy to close out all other accounts from other credit unions and give all of our business to this one.

Tina Villalobos

3 years ago

We have been members for over 20 years. We have always had many fantastic experiences. Some shout outs would be Dianne, Lyndsay, and Christina. They have all had a huge impact on our financial wellbeing and are friendly and ready to help. Thank you EFCC!!!!