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 255th largest credit union in the state of California. It is also the 3,470th largest credit union in the nation. It was established in 1960 and as of June of 2018, it had grown to 3 employees and 1,208 members at 2 locations. Employees Choice Federal Credit Union has a C+ 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
C+
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 - YTD0.53%
Return on Equity - YTD5.9%
Annual Interest Income$282.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$18.6MM$18.5MM
LoansQ2 2018vs Q2 2017$8.1MM$7.3MM
DepositsQ2 2018vs Q2 2017$16.7MM$16.8MM
Equity CapitalQ2 2018vs Q2 2017$1.7MM$1.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$50.00K$58.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$0$8.00K
Real Estate OwnedQ2 2018vs Q2 2017$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
0.20%-$10kHoliday Club Certificate
0.10%$25$500kRegular Share Account
0.10%$25-IRA Share Account
0.10%$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
0.65%$5k-12 Month Share Certificate
0.50%$5k-6 Month Share Certificate
0.40%$5k-3 Month Share Certificate

Employees Choice Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$5k-12 Month IRA Share Certificate
0.50%$5k-6 Month IRA Share Certificate
0.40%$5k-3 Month IRA Share Certificate
Locations


Employees Choice Federal Credit Union Locations
Branch Office266 S Magnolia Ave Ste 101El Cajon, CA 92020
Branch Office7839 University Ave Ste 101La Mesa, CA 91942

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