East County Schools Credit Union El Cajon CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to East County Schools, where community and financial well-being come together! Located at 1069 Graves Ave Ste 100, El Cajon, CA 92021, we have proudly served our members since 1956. As a trusted credit union, our mission is to provide a wide range of financial services tailored to meet your needs while fostering a supportive environment for all our members. With over 4,646 members and total assets amounting to an impressive $150,595,357, we are committed to helping you achieve your financial goals. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans, mortgages, or business banking services, we've got you covered! Our dedicated team of 15 employees is here to guide you every step of the way. At East County Schools, we take pride in our solid financial standing, with total deposits reaching $2,976,707 and a net worth of $12,879,657. We believe in transparency and responsibility our cash on hand is currently $774,894, ensuring that we can meet the needs of our members promptly. Our leadership team is equally committed to serving you. Under the guidance of CEO Steven Devan and Board President Paul Schnaubelt, we strive to create a welcoming atmosphere where everyone feels valued and supported. We invite you to visit us at our branch or reach out by phone at (619) 588-1515 during our operating hours from Monday through Friday between 9:00 AM and 5:00 PM. If you're unable to visit in person, official correspondence can be sent to our mailing address: 1069 Graves Ave Ste 100, El Cajon, CA 92021-4573. Explore how we can help you today by visiting our website at East County Schools. Your financial journey starts here!

Branch History & Mission

Join Us Today!

As we look ahead, we invite you to become part of the East County Schools family. Experience personalized service, competitive rates, and a genuine commitment to helping you reach your financial goals. Together, let's continue building a thriving community. For more information or assistance, call us at 619-588-1515 or visit our website at www.eastcountyschools.org. Join us today and see how East County Schools can make a difference in your life!

Our Journey

Located at 1069 Graves Ave Ste 100, El Cajon, CA 92021, our branch has seen many changes over the years. From our humble beginnings, we have expanded our services and adapted to meet the evolving needs of our community. With total assets now exceeding $150 million, we've become a pillar of support for families and businesses alike. Our journey reflects our commitment not just to banking but also to enhancing the lives of those we serve. We've embraced technology by offering online and mobile banking services, making it easier than ever for our members to manage their finances conveniently and securely.

Our Mission

At East County Schools, our mission is simple yet powerful: We strive to provide exceptional financial services while fostering community growth and support. We believe that everyone deserves access to financial resources that empower them to achieve their goals. Whether it's through personal banking, auto loans, or mortgage refinancing, we are here to help you navigate your financial journey. We recognize the importance of community involvement. That's why we actively participate in local outreach programs and partnerships that uplift the neighborhoods we serve. Your success is our success, and together we can build a stronger future for El Cajon. While members can visit us at 1069 Graves Ave Ste 100, official correspondence should be sent to 1069 Graves Ave Ste 100, El Cajon, CA 92021-4573 if needed. Our doors are open Monday through Friday from 9:00 AM to 5:00 PM, with convenient ATM access available for your needs.

Branch Location & Accessibility

Easy Access and Parking

Our branch is designed with accessibility in mind, ensuring that everyone can visit us without hassle. We have ample parking available right outside our entrance, making it simple for you to pop in during your day. Plus, our location complies with ADA standards, so you'll find ramps and other features to assist those who need them.

Get in Touch!

Have questions? Feel free to give us a call at 619-588-1515. Our team is always ready to help with any inquiries you may have about our services or your account. We invite you to stop by and experience the welcoming environment of East County Schools; we look forward to serving you!

Operating Hours That Fit Your Schedule

We understand that life can be busy! That's why we're open Monday through Friday from 9:00 AM to 5:00 PM. Whether you're stopping by for a quick transaction or a more detailed consultation about loans or accounts, our friendly staff is here to assist you during those hours.

Services at Your Fingertips

At East County Schools, we offer a wide range of services to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. You can also take advantage of our ATM services for quick cash withdrawals or balance checks without having to wait in line inside. While members can visit us at our branch address, official correspondence should be sent to the same address as well: 1069 Graves Ave Ste 100, El Cajon, CA 92021-4573.

Member Eligibility

Becoming a member of East County Schools is like joining a caring community that prioritizes your financial well-being. If you live, work, or attend school in the areas we serve, you're likely eligible to join! We welcome individuals who share our values and are looking for a supportive financial partner. At East County Schools, we offer a range of benefits, including personalized service and competitive rates on loans and savings accounts, making your banking experience feel truly special. To get started on your membership journey, simply visit us at our branch located at 1069 Graves Ave Ste 100 El Cajon Ca 92021, or give us a call at (619) 588-1515. For more specific details about eligibility requirements, feel free to check out this link: https://ecsfcu-cloud.lending360.com/accountopening/application?continueapp=false&membershipid=144&key=davecfmasug%3d#/thingsyouneed . Ready to open your account? You can find all the information you need right here: https://internetloanapplication.cudl.com/eastcounty/ . Joining East County Schools is easy, and we're excited to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, having reliable payment solutions is crucial. Our merchant services enable businesses to accept payments effortlessly, whether online or in-person. This convenience not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what you do best running your business. Visit us at 1069 Graves Ave Ste 100 El Cajon Ca 92021 in El Cajon, CA or call us at (619) 588-1515 to learn how we can support your business goals today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $27 in non-member commercial loans, providing flexible financing solutions. Imagine having the financial backing you need to invest in new equipment or hire additional staff. That's what our loan options can do for you. Each loan is designed with your unique needs in mind, ensuring that your business can thrive.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services provide basic access for withdrawals and balance checks without any hassle. At East County Schools, located at 1069 Graves Ave Ste 100 El Cajon Ca 92021, we're more than just a credit union; we're your financial partner committed to helping you succeed. For more information about our services or to speak with a representative, feel free to call us at 619-588-1515. Join us today and experience a community-focused approach to banking!

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options make it simple to drive away in the car of your dreams. With flexible repayment terms and competitive rates, we ensure that financing is convenient and affordable for all members.

Business Banking

For our business members, we offer tailored business banking services, including merchant services and business loans. We understand that running a business requires financial tools that work as hard as you do.

Credit Cards with Rewards

Take advantage of our credit cards with rewards, designed to give back as you spend. Earn points on everyday purchases that can be redeemed for travel, merchandise, or cash back. It's a smart way to make the most out of your spending!

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we provide excellent online and mobile banking solutions that allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, accessing your funds has never been easier.

Mortgage Loans & Refinancing

Homeownership is within reach with our comprehensive mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, we guide you through each step of the process. We know how important this decision is, so our team is here to assist you every step of the way.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts that help you manage your everyday finances efficiently. Imagine having instant access to your money while enjoying competitive interest rates that help your savings grow. Our accounts are user-friendly and supported by robust online and mobile banking features, making it easy to check balances or transfer funds from anywhere.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses our way. Our personal loans and debt consolidation services provide relief when you need it most. By consolidating high-interest debts into one manageable loan, you can simplify payments and potentially lower your monthly costs.

Digital & Online Banking

At East County Schools, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With our user-friendly online platform, you can access your accounts anytime, anywhere, ensuring that you're always in control of your money. One of the highlights of our services is our comprehensive online banking system, available 24/7 at https://www.eastcountyschools.org . Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, with electronic signature authorization available, you can complete important transactions without the hassle of paperwork. If you're looking to go paperless, you'll appreciate our e-statements feature. Enjoy the convenience of receiving your account statements electronically, which not only saves trees but also helps you keep your financial records organized and easily accessible. For those who prefer to bank on-the-go, our mobile application makes it simple to manage your finances right from your smartphone. You can make mobile payments with ease and even send money directly to friends or family through our person-to-person transfer service. It's perfect for splitting bills or sending a quick gift! At East County Schools, we prioritize your security while making banking convenient. Our systems are designed with robust security measures to protect your information and give you peace of mind while you bank online. With all these features at your fingertips, managing your finances has never been easier. Join us today at East County Schools and experience the benefits of modern banking!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 11,332, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, East County Schools is your trusted partner. Visit us at 1069 Graves Ave Ste 100 El Cajon Ca 92021 or call (619) 588-1515 to learn more about how we can help you achieve your financial goals.

Investing in Our Members

With $12,517,779 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $433 in used auto loans and $81,545,146 in total loans and leases, supporting members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $18,866,305 in share certificates and $20,949,379 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $361,878 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 14 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $12,879,657, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $855 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $10,141,569 in used vehicle loans and $7,054,414 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our competitive rates make it easier for you to drive away with confidence.

Credit Lines

Need extra flexibility? Our credit lines totaling $15,000,000 can provide you with quick access to cash when unexpected expenses arise or when you're planning a big purchase. Our team is committed to making borrowing straightforward and beneficial for all members. To explore eligibility and begin the application process for any of our loan products, visit our website at East County Schools. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to serving your financial needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,514,305, make buying or refinancing simple. We provide flexible terms that fit your budget and lifestyle. If you're considering refinancing your current mortgage for better rates or terms, we can help you navigate that process as well.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,134,427 in loans helping members manage their finances effectively. This option allows you to have access to funds without needing collateral while enjoying the benefits of rewards programs.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach guarantees fair and transparent offers to users, allowing them to make informed decisions without hidden surprises.

EAST COUNTY SCHOOLS FEDERAL CREDIT UNION - El Cajon, CA