Employees Choice Federal Credit Union is headquartered in El Cajon and is the 251st largest credit union in the state of California. It is also the 3,435th largest credit union in the nation. It was established in 1960 and as of March of 2019, it had grown to 3 employees and 1,196 members at 2 locations. Employees Choice Federal Credit Union's CD rates are 11% higher than the national average, and it 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.
See current membership details
Data as of Q1 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 13526 |
| Year Chartered | 1960 |
| Employees | 3 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.42% |
| Return on Equity - YTD | 4.22% |
| Annual Interest Income | $148.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2019vs Q1 2018 | $18.6MM$19.5MM |
| Loans | Q1 2019vs Q1 2018 | $8.9MM$7.7MM |
| Deposits | Q1 2019vs Q1 2018 | $16.7MM$17.7MM |
| Equity Capital | Q1 2019vs Q1 2018 | $1.8MM$1.7MM |
| Loan Loss Allowance | Q1 2019vs Q1 2018 | $70.00K$49.00K |
| Unbacked Noncurrent Loans | Q1 2019vs Q1 2018 | $4.00K$5.00K |
| Real Estate Owned | Q1 2019vs Q1 2018 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Employees Choice Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | - | $10k | Holiday Club Certificate | |
| 0.10% | $25 | $500k | Regular Share Account | |
| 0.10% | $25 | - | IRA Share Account | |
| 0.10% | $25 | - | Secondary Share Account |
Employees Choice Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | $5k | - | Share Draft Account |
Employees Choice Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $5k | - | 12 Month Share Certificate | |
| 0.60% | $5k | - | 6 Month Share Certificate | |
| 0.50% | $5k | - | 3 Month Share Certificate |
Employees Choice Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $5k | - | 12 Month IRA Share Certificate | |
| 0.60% | $5k | - | 6 Month IRA Share Certificate | |
| 0.50% | $5k | - | 3 Month IRA Share Certificate |
| Employees Choice Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 266 S Magnolia Ave Ste 101 | El Cajon, CA 92020 |
| Branch Office | 7839 University Ave Ste 101 | La Mesa, CA 91942 |