Employees Choice Credit Union La Mesa CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Employees Choice, your trusted financial partner located at 7839 University Ave Ste 101, La Mesa, CA 91942. Since our establishment in 1960, we have been dedicated to serving our community with a personal touch, providing a range of financial services tailored to meet the unique needs of our members. With a total membership of 1,072, we pride ourselves on creating strong relationships and helping our members achieve their financial goals. At Employees Choice, we understand that every dollar counts. That's why we manage over $22,645,413 in assets and maintain a robust net worth of $2,331,078. Our commitment to financial health is evident in our ability to offer competitive loan options, including 704 loans and leases currently active. We also prioritize savings for our members with total deposits reaching $1,484,760. Under the leadership of our CEO, Aletta Bostock, and Board President, Michael Herrera, we strive to foster a supportive environment where every member feels valued. Our small yet dedicated team of 4 employees is here to assist you with everything from checking and savings accounts to auto loans and mortgage refinancing. While members can visit us at our La Mesa branch for personalized service, official correspondence should be directed to our mailing address: 266 S Magnolia Ave Ste 101, El Cajon, CA 92020. We invite you to explore the variety of services we offer through our website at www.employeeschoice.org. Whether you're looking for a new vehicle loan or need assistance with personal banking, we're here for you every step of the way. Feel free to reach out by phone at (619) 579-0941 or drop by during our lobby hours from Monday through Friday. Join us at Employees Choice and experience the difference a member-focused credit union can make in your financial journey!

Branch History & Mission

A Legacy of Service

Employees Choice began with a simple mission: to support our members' financial well-being. From our humble beginnings at 7839 University Ave Ste 101, La Mesa, CA 91942, we have continually evolved to meet the needs of our community. Our branch is located near key landmarks that make us easily accessible for everyone in La Mesa. Whether you're visiting for personal banking or exploring loan options, you'll find a welcoming environment where your needs come first.

Join Us!

As we continue to grow and adapt, we invite you to be part of our story. Experience the benefits of membership at Employees Choice where your financial goals are supported by a team that genuinely cares about your success. Together, let's build a brighter future for you and our community! Visit us today or explore more about us online at Employees Choice.

Modern Banking Solutions

As times change, so do we. Employees Choice embraces digital advancements to enhance your banking experience. With online and mobile banking options available, managing your finances has never been easier. Although we currently do not offer ATM services or drive-thru banking at this location, our friendly staff is always ready to assist you during our operating hours: Monday to Tuesday from 9 AM to 4:30 PM, Wednesday from 10:30 AM to 4:30 PM, and Thursday to Friday from 9 AM to 5 PM. While members can visit us at 7839 University Ave Ste 101 La Mesa Ca 91942, official correspondence should be sent to 266 S Magnolia Ave Ste 101, El Cajon, CA 92020. If you have any questions or need assistance, feel free to call us at (619) 579-0941.

Our Mission

At Employees Choice, our mission is clear: to provide personalized financial solutions that empower individuals and families in our community. We offer a range of services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. We pride ourselves on being more than just a credit union; we're a partner in your financial journey. Our commitment extends beyond just transactions. We strive to create lasting relationships through community outreach programs and partnerships that support local initiatives. By focusing on the unique needs of our members and staying engaged with community developments, we ensure that we are not just here for your banking needs but also as an active participant in enhancing the quality of life in La Mesa.

Branch Location & Accessibility

Contact Us

If you have any questions or need assistance before your visit, feel free to give us a call at 619-579-0941. Our dedicated staff is always ready to help you with any inquiries regarding our services or your banking needs. While members can visit us at 7839 University Ave Ste 101 La Mesa Ca 91942, official correspondence should be sent to our mailing address at 266 S Magnolia Ave Ste 101, El Cajon, CA 92020. We invite you to experience the personalized service and commitment that makes Employees Choice Credit Union a trusted choice for all your financial needs. Come see us today!

Convenient Access and Parking

At the Employees Choice La Mesa Branch, we prioritize your convenience. Our location offers ample parking, ensuring that you can find a spot with ease when you arrive. The branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to assist all members of our community.

Operating Hours

We know your time is valuable, which is why our lobby hours are tailored to fit your schedule. You can visit us Monday through Tuesday from 9:00 AM to 4:30 PM, Wednesday from 10:30 AM to 4:30 PM, and Thursday through Friday from 9:00 AM to 5:00 PM. We encourage you to stop by during these hours to explore our wide range of services including checking and savings accounts, mortgage loans, and more.

Member Eligibility

Becoming a member of Employees Choice is like joining a close-knit family that truly cares about your financial well-being. If you're looking to enjoy personalized service and a supportive community, you've come to the right place! To be eligible for membership at Employees Choice, you typically need to live, work, worship, or attend school in the San Diego area. This means if you're part of our local community, we'd love to welcome you with open arms. You can find more detailed eligibility criteria by visiting . Opening an account is just as easy! With straightforward steps and friendly staff ready to assist you, you'll be on your way to enjoying the many benefits of membership in no time. Plus, being part of Employees Choice means access to a variety of services designed with your needs in mind like personal banking options, auto loans, and online banking features. If you have any questions or need help getting started, feel free to give us a call at (619) 579-0941. We're excited for you to join us at 7839 University Ave Ste 101 La Mesa Ca 91942! For more details on how to open your account, check out https://my.homecu.net/banking/hcuactivate.prg?cu=elcajon .

Business Banking & Commercial Services

Commercial Loan Options

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.

Merchant Services

In addition to loans, our merchant services empower local businesses to process payments efficiently. Imagine a retail store that can easily accept card payments from customers, manage transactions effortlessly, and streamline their operations all while enjoying competitive rates. Our services ensure that you can focus on what matters most: growing your business. Visit us at 7839 University Ave Ste 101 La Mesa Ca 91942 in La Mesa, CA, or call us at (619) 579-0941 to learn more about how we can partner with you for success. Together, we can build a brighter future for your business!

Comprehensive List Of Services

Accessing Your Accounts Anytime

With our commitment to convenience, accessing your accounts has never been easier. Our online banking platform allows members to monitor their accounts anytime they choose. Plus, features like person-to-person payments make it simple to send money directly from your account without any hassle. We invite you to visit us at our La Mesa branch or call us at 619-579-0941 for more information on how we can serve you better. At Employees Choice, we're not just a credit union; we're part of your community's financial journey. Discover all that we have to offer today!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options are tailored to fit various budgets. We understand that purchasing a vehicle is a significant investment, which is why we offer competitive rates and flexible terms. Picture driving off in the car of your dreams with monthly payments that won't break the bank.

Business Banking Services

For entrepreneurs and small business owners, our business banking services include merchant services and business loans designed to support growth. Whether you're looking to invest in new equipment or manage cash flow, we're here to help your business thrive.

Credit Cards with Rewards

Enjoy shopping with our credit cards that come with rewards! Whether it's cashback on groceries or travel perks for vacations, we ensure that each swipe earns you something back. It's not just about spending; it's about earning rewards along the way.

Mortgage Loans & Refinancing

For those considering homeownership or looking to refinance, we provide comprehensive mortgage loans that guide you through every step of the process. Our experienced team will help you navigate the available options, ensuring you find the mortgage that best suits your lifestyle. Imagine turning the key to your new home while saving money through our refinancing options.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that make managing your day-to-day finances easy. With competitive interest rates and no hidden fees, you can enjoy peace of mind knowing your money is working for you. Imagine having access to your funds anytime through our online and mobile banking options check your balance, transfer funds, or pay bills right from your smartphone.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans can offer the relief you need. With straightforward terms and quick approval processes, we aim to assist you in regaining control of your finances. Think about how nice it would be to simplify multiple payments into one manageable loan.

Digital & Online Banking

Key Features

Our online banking platform provides you with real-time account management, allowing you to check balances, transfer funds, and pay bills quickly and securely. Need to send money to a friend? Our person-to-person transfer feature makes it simple and hassle-free, letting you share funds instantly without the need for cash. For those who prefer using their smartphones, we have a user-friendly mobile application available. It's perfect for on-the-go banking, ensuring that all your financial needs are just a tap away. While we currently don't support mobile payments, our app still offers plenty of other features to keep your banking experience smooth and efficient.

Security & Accessibility

We take your security seriously. Although we do not offer electronic signature authorization at this time, our systems are designed with robust safety measures to protect your information. You can also opt for e-statements, which provide a secure way to receive your account statements electronically saving trees while ensuring you have easy access whenever you need it. In summary, at Employees Choice, we're committed to providing accessible and user-friendly digital banking solutions that cater to your needs. Whether you're at home or on the go, you have the tools necessary to manage your finances effectively and securely. Explore all these features today by visiting us at https://www.employeeschoice.org/ !

Financial Strength

Commitment to Innovation

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. This means more choices for you when it comes to managing your finances.

Dedicated Team

We also take pride in having 4 full-time employees ready to serve you with knowledgeable support at all times. Our team is committed to assisting you in every step of your financial journey.

Focused on Member Savings

Members' savings are secured through $2,598,092 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members by ensuring that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Growing Member Base

Total Share Accounts: 2,442, show a strong and growing member base that trusts us with their finances. We appreciate each member's choice to bank with us and work hard to earn your continued trust. 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 7839 University Ave Ste 101 La Mesa Ca 91942 or call 619-579-0941 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, reflecting our careful management of resources. This enables us to continue offering competitive loan rates and solid financial products for our members.

Strong Financial Position

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 10.29% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

Our lending capacity supports members' financial goals across various sectors with $9,578,179 in total loans and leases and 161 used auto loans. Whether you're looking to buy a vehicle or need a personal loan, we are here to help you achieve your dreams.

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 model or a reliable used vehicle, we have flexible terms to make your purchase easier.

Credit Lines

If you're looking for additional financial flexibility, our credit lines total $1,000,000 and can be a great solution for covering short-term expenses or consolidating debt. They allow you to borrow as needed while only paying interest on the amount you use. For those considering refinancing options or eligibility inquiries, feel free to reach out. Our team is here to guide you through the process and help find the best solution for your unique situation. You can contact us at (619) 579-0941 for more information or visit us at 7839 University Ave Ste 101 La Mesa Ca 91942. Explore our loan offerings today and discover how Employees Choice can help pave your path to financial success! *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

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 strive to support our members every step of the way in their journey towards owning a home.

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 excellent way to handle unexpected expenses while enjoying the benefits of cash back and rewards programs.

Loan Aggregator

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How LendMesh Ensures 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 ensures that the offers you see are fair and transparent. By focusing on verified lenders, LendMesh guarantees that you are viewing accurate loan options tailored to your needs.

EMPLOYEES CHOICE FEDERAL CREDIT UNION - La Mesa, CA