Employees Choice Credit Union El Cajon CA | Best Auto Loans & Business Banking

Introduction

Welcome to Employees Choice Federal Credit Union, where your financial goals are our top priority! Located at 266 S Magnolia Ave Ste 101, El Cajon, CA 92020, we have been proudly serving our community since 1960. With a solid foundation built on trust and reliability, we understand that every member's journey is unique. That's why we offer a variety of services designed to meet your specific needs, whether you're looking for personal banking solutions or business financing options. At Employees Choice, we take pride in our commitment to our members, evident in our growing family of 1,072 satisfied members and total assets exceeding $22,645,413. Our strong financial position includes total deposits of $1,484,760 and a net worth of $2,331,078, ensuring you can bank with confidence. We are also excited to help you with loans offering over 704 loans and leases tailored just for you! Our dedicated team, led by CEO Aletta Bostock and Board President Michael Herrera, strives to create a welcoming environment where everyone feels valued. With a small but efficient staff of just 4 employees, we focus on providing personalized service that larger institutions often overlook. While members can visit us at the branch address above for all your banking needs, official correspondence should be sent to the same address: 266 S Magnolia Ave Ste 101, El Cajon, CA 92020. Whether you're interested in checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we have something for everyone. We invite you to explore our online banking options for added convenience. Ready to take the next step? Give us a call at 619-579-0941 or visit our website at www.employeeschoice.org to learn more about how we can support your financial journey today!

Branch History & Mission

Welcome to Employees Choice, a cornerstone of the El Cajon community since its founding in 1960. Located at 266 S Magnolia Ave Ste 101, El Cajon, CA 92020, our credit union has proudly served its members for over six decades. As we look back on our journey, we celebrate a rich legacy built on trust, commitment, and community support. From humble beginnings, Employees Choice has grown to serve over 1,072 members with total assets amounting to an impressive $22,645,413. Our evolution reflects our dedication to providing exceptional financial services while fostering a strong sense of community. Whether it's offering personal banking solutions like checking and savings accounts or auto loans and mortgages, we've remained focused on empowering our members to achieve their financial goals. Our mission is simple yet profound: to provide our members with quality financial services while actively supporting the community around us. We believe in building lasting relationships based on mutual respect and understanding. Every service we offer from business banking solutions to online and mobile banking is designed with the needs of our members in mind. While you can visit us at 266 S Magnolia Ave Ste 101, official correspondence should be sent to the same address as our mailing address: 266 S Magnolia Ave Ste 101, El Cajon, CA 92020. We are here for you during our operating hours: Monday and Tuesday from 9:00 AM to 4:30 PM, Wednesday from 10:30 AM to 4:30 PM, and Thursday and Friday from 9:00 AM to 5:00 PM. At Employees Choice, we understand that accessibility matters. Although we currently do not have ATM or drive-thru services available at this branch, we remain committed to offering robust digital banking options that make managing your finances easier than ever. You can enjoy features like online banking and mobile applications that keep you connected wherever you are. Our outreach doesn't stop at financial transactions; we actively participate in local initiatives aimed at enhancing the welfare of our community. Partnerships with various organizations allow us to give back through programs designed to uplift those in need. We invite you to become part of the Employees Choice family. Join us today and experience firsthand how our dedicated team can help you navigate your financial journey while also being an integral part of a thriving community. For more information or assistance, feel free to call us at 619-579-0941 or visit our website at www.employeeschoice.org. Your future starts here!

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility is important for all our members. Our branch features ADA-compliant entrances and ramps to ensure that everyone can comfortably access our services. Plus, ample parking is available nearby, so you won't have to worry about finding a spot.

Get in Touch

If you have questions or need assistance before your visit, feel free to call us at (619) 579-0941. We look forward to welcoming you at Employees Choice and helping you achieve your financial goals!

Operating Hours

Our doors are open with flexible operating hours designed to fit your busy schedule. You can visit us on Mondays and Tuesdays from 9:00 AM to 4:30 PM; Wednesdays from 10:30 AM to 4:30 PM; and Thursdays and Fridays from 9:00 AM to 5:00 PM. We're here to assist you with all your banking needs during these times!

Services Offered

At Employees Choice, we offer a range of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more! Whether you're looking to consolidate debt or start a new business venture, our team is ready to help guide you through your options.

Member Eligibility

Becoming a member of Employees Choice is like joining a close-knit family that's here to support your financial journey. If you live, work, or attend school in the area, you're likely eligible to join us! We welcome individuals from various backgrounds and communities, making our membership diverse and vibrant. At Employees Choice, we believe in empowering our members with personalized services and financial products tailored just for you. The process to become a member is straightforward and welcoming. All you need to do is visit us at 266 S Magnolia Ave Ste 101 El Cajon Ca 92020 or give us a call at (619) 579-0941 for more information. You can also check out the detailed eligibility criteria on our website at . Once you're ready to join, simply follow the easy steps outlined here: https://my.homecu.net/banking/hcuactivate.prg?cu=elcajon. We're excited to help you take this important step toward better financial health!

Business Banking & Commercial Services

Merchant Services that Make Life Easier

Imagine streamlining your payment process so you can focus on what matters running your business. Our merchant services offer simple solutions for accepting payments, managing transactions, and keeping track of sales. This means you can spend less time worrying about finances and more time delighting your customers. Visit us at 266 S Magnolia Ave Ste 101 El Cajon Ca 92020 in El Cajon, CA or call us at (619) 579-0941 to discover how our business banking solutions can elevate your company's potential. Let's work together to turn your vision into reality!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For business owners, we understand that managing finances is crucial for success. That's why we provide comprehensive business banking services, including merchant services and business loans, helping you keep your operations running smoothly.

Cash Withdrawal Services

While we currently do not have ATM facilities at our branch, rest assured that cash withdrawal services are easily accessible through various partner locations nearby. We invite you to visit us or give us a call at 619-579-0941 for any questions about our services or how we can assist you further. Whether you're opening an account or exploring loan options, our friendly team is here to guide you every step of the way! Ready to take control of your financial journey? Visit us today at Employees Choice Federal Credit Union and discover how we can help turn your financial goals into reality!

Digital Banking Convenience

In today's fast-paced world, convenience is key. At Employees Choice, we emphasize digital banking features such as online and mobile banking that allow you to manage your accounts from anywhere. You can check balances, transfer funds, and even pay bills all from your smartphone or computer.

Financing Your Dreams

When it comes to bigger purchases, like a car or a home, our auto loans and vehicle financing can help you hit the road without breaking the bank. Need a place to call home? Our mortgage loans and refinancing options provide competitive rates that make homeownership more accessible than ever. If you're facing unexpected expenses or looking to consolidate debt, our personal loans and debt consolidation services offer flexible solutions that can ease your financial burden. Plus, with our credit cards featuring rewards, you can earn benefits while making everyday purchases.

Personal Banking Solutions

For those looking to manage their everyday finances, we offer checking and savings accounts designed to help you save and grow your money efficiently. Imagine easily accessing your funds online or through our mobile app, giving you the flexibility to bank whenever it suits you.

Digital & Online Banking

Mobile Application Convenience

Want to bank on the go? Our mobile application is here to help! With this handy tool, you can perform all the same tasks as online banking right from your smartphone. Plus, if you're looking to send money to friends or family, our person-to-person transfer feature makes it quick and easy.

No Signatures Needed

While many banks require cumbersome electronic signature authorizations, we've streamlined the process for you. Enjoy hassle-free transactions without unnecessary steps so you can focus on what truly matters your finances. At Employees Choice, we believe that banking should work for you. Explore our digital and online banking services today and experience how easy managing your money can be!

Online Banking Made Easy

With 24/7 online banking services available at https://www.employeeschoice.org/, you can access your accounts anytime, anywhere. Check balances, pay bills, and transfer funds with just a few clicks. Our user-friendly platform makes it simple to manage your finances without the hassle of visiting a branch.

Stay in Control

We know how important security is for our members. That's why our online banking system is equipped with robust security features to keep your information safe. You can also opt for e-statements, which are not only environmentally friendly but also allow you to easily track your spending from the comfort of your home.

Financial Strength

Investment in Growth

With $1,947,667 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 as well; with $161 in used auto loans and $9,578,179 in total loans and leases, we support members' financial goals across various sectors.

Member-Centric Savings Opportunities

Members' savings are secured through $2,598,092 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This commitment is further reflected in our approach to deposits; with $0 held separately, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 2,442, showcasing a strong and growing member base that trusts us with their finances.

Strong Financial Health

With a net worth of $2,331,078, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,029 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Your Trusted Partner

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Employees Choice is your trusted partner. Visit us at 266 S Magnolia Ave Ste 101 El Cajon Ca 92020 or call (619) 579-0941 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,583,700 in used vehicle loans and $1,739,979 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our team is here to assist you every step of the way.

Credit Lines

In addition to these products, we provide access to credit lines totaling $1,000,000. This option allows you to borrow as needed and only pay interest on what you use perfect for managing unexpected expenses or funding larger projects. Our commitment to service doesn't stop there. At Employees Choice, we believe in empowering our members with knowledge and support. If you have questions about refinancing options or eligibility for any of our loans, don't hesitate to reach out! For inquiries or assistance with your loan application, please call us at (619) 579-0941 during our operating hours: Monday and Tuesday from 9:00 AM to 4:30 PM; Wednesday from 10:30 AM to 4:30 PM; Thursday and Friday from 9:00 AM to 5:00 PM. 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're here to help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,000,283, make buying or refinancing simple. We provide flexible terms and competitive rates to ensure you find the right fit for your budget. If you're looking to refinance an existing mortgage or explore eligibility options, our experienced staff can help guide you through the process.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $598,251 in loans helping members manage their finances effectively. These cards provide an easy way to handle everyday purchases while building your credit history.

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