Featured Savings Rates
Featured Accounts

Employees Choice Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.25%1-year CD12 Month Share Certificate
0.05%SavingsSecondary Share Account
0.05%CheckingShare Draft Account

Overview / Commentary
619-579-0941
266 S Magnolia Ave Ste 101
El Cajon, CA 92020

Employees Choice Federal Credit Union is headquartered in El Cajon and is the 263rd largest credit union in the state of California. It is also the 3,547th largest credit union in the nation. It was established in 1960 and as of March of 2017, it had grown to 3 employees and 1,258 members at 1 location. Employees Choice Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the city of El Cajon, the City of La Mesa, the Helix Water District, San Diego County working in La Mesa, California state working or headquartered in La Mesa, Roger S. Gordon & Co., CPA, The Goods Insurance Agency, Pfuhl & Knight Accountancy Corporation.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Employees Choice Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #13526
Year Chartered1960
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.82%
Annual Interest Income$127.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$18.6MM$16.9MM
LoansQ1 2017vs Q1 2016$7.6MM$5.6MM
DepositsQ1 2017vs Q1 2016$16.9MM$15.3MM
Equity CapitalQ1 2017vs Q1 2016$1.6MM$1.5MM
Loan Loss AllowanceQ1 2017vs Q1 2016$56.00K$35.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$23.00K$0
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Employees Choice Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$25-IRA Share Account
0.10%--Holiday Club Certificate
0.05%$25-Regular Share Account
0.05%$25-Secondary Share Account

Employees Choice Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$5k-Share Draft Account

Employees Choice Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$5k-12 Month Share Certificate
0.20%$5k-6 Month Share Certificate
0.15%$5k-3 Month Share Certificate

Employees Choice Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$5k-12 Month IRA Share Certificate
0.20%$5k-6 Month IRA Share Certificate
0.15%$5k-3 Month IRA Share Certificate
Locations


Employees Choice Federal Credit Union Locations
Branch Office266 S Magnolia Ave Ste 101El Cajon, CA 92020