Your Next Ride Starts Here
Drive away with Annual Percentage Rates as low as 3.99%* for 72 up to Months!
Anywhere. Anytime.
With 30,000+ ATMs nationwide, we're wherever you are.
Get Paid!
Earn $50*
Per Referral
Give the gift of member-focused, secure banking, low loan rates, fewer fees, and CASH! Refer someone eligible and once they open an account, we’ll give YOU BOTH $50*!
Get Paid!
Earn $50*
Per Referral
Give the gift of member-focused, secure banking, low loan rates, fewer fees, and CASH! Refer someone eligible for membership and once they open an account, we’ll give YOU BOTH $50*!
Stay One Step Ahead of Fraud
Scammers are getting smarter, and new technology is making their tricks harder to spot. Here are some of the most common schemes targeting credit union members right now.
Banking that fits your
Whether you're saving for tomorrow or need flexible solutions today, we've been helping the Escondido community thrive since 1959.
Financial Wellness
Tools, resources, and guidance to help you achieve your financial goals.
Learn More
🔥Hot Rates
How much will my loan payment be?
Your estimated monthly loan payment is: $734.00
Total interest paid over the life of the loan: $1,500.00
Apply NowHow much will my savings grow?
Financial Wellness Hub
Tools, resources, and guidance to help you achieve your financial goals and build a secure future.
Member Services
Whether you're new to the area and need a financial institution you can trust, or you're looking for a way to keep your money local and work with a member-owned financial cooperative, EFCU is a great choice.
Financial Network
Financial education for all
Notary Services
Available at all branches
Re-order Checks
Quick and convenient
Direct Deposit
Get paid faster
Discounted Movie Tickets
Exclusive member benefit
Financial Tools to Help You Succeed
Calculators & Popular Applications
Popular Loan Applications
Member Services
Free Credit Reports
Get a free copy of your credit report every 12 months from each credit reporting company.
Popular Topics
Tax Tips for College Students
Not only are your parents or guardians a useful resource, but they might provide some essential information to include on your taxes.
Credit Unions vs. Banks: What's the Difference?
One of the most significant differences between banks and credit unions is that credit unions are cooperative financial institutions owned by their members and operate as a not-for-profit status.
Mobile
Banking for Folks on the Go
Keep track of your spending, deposit checks, transfer funds, send money, make payments, and stay alerted with relevant notifications—all from the palm of your hand, no matter where your adventures take you.
Premium Rates Guaranteed
Lock in your savings growth. Earn premium rates on our certificates. Secure, predictable returns for your financial future.
Certificate Benefits
- Competitive fixed rate
- 6-36 Month terms for optimal growth
- NCUA insured up to $250,000
- Minimum opening deposit of $1,000
Open Certificate of Deposit
To open a Certificate of Deposit (CD), please visit a branch. Our staff will be happy to assist you with the process.
People Helping People
From scholarships to volunteer initiatives, we're invested in Escondido's future. See how we give back.
Our Impact
Stay Connected with EFCU
Follow along for financial tips, community highlights, and the latest credit union news.