Escondido Federal Credit Union

Overview / Commentary
201 N Broadway
Escondido, CA 92025-2798

Escondido Federal Credit Union is headquartered in Escondido and is the 199th largest credit union in the state of California. It is also the 2,347th largest credit union in the nation. It was established in 1959 and as of March of 2021, it had grown to 9 employees and 2,379 members at 2 locations. Escondido Federal Credit Union has an A health rating.

Field of Membership Restrictions

Must be an employee or official of the City of Escondido or be an employee of or volunteer for the California Center for the Arts, Escondido.
See current membership details


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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. Escondido Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #13402
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD5.76%
Annual Interest Income$276.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$58.2MM$45.3MM
LoansQ1 2021vs Q1 2020$16.4MM$16.0MM
DepositsQ1 2021vs Q1 2020$52.2MM$39.5MM
Equity CapitalQ1 2021vs Q1 2020$5.9MM$5.6MM
Loan Loss AllowanceQ1 2021vs Q1 2020$45.00K$91.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$6.00K$18.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Escondido Federal Credit Union Savings Account Rates

0.70%$100-IRA Share Account
0.05%*$5k*-Regular Share Savings Account
OTHER TIERS: 0.03% $50 - $5k
0.05%*$5k*-Sub-Share Account
OTHER TIERS: 0.03% $50 - $5k
0.05%*$5k*-Holiday Club Account
OTHER TIERS: 0.03% $50 - $5k

Escondido Federal Credit Union Money Market Rates

0.08%*$25k*-Money Market Account
OTHER TIERS: 0.05% $2.5k - $25k

Escondido Federal Credit Union Checking Account Rates

0.02%$2.5k-Share Draft Account

Escondido Federal Credit Union CD Rates

0.50%*$25k*-36 Month Share Certificate
OTHER TIERS: 0.35% $1k - $10k | 0.45% $10k - $25k
0.35%*$25k*-18-24 Month Share Certificate
OTHER TIERS: 0.25% $1k - $10k | 0.30% $10k - $25k
0.30%*$25k*-12-17 Month Share Certificate
OTHER TIERS: 0.20% $1k - $10k | 0.25% $10k - $25k
0.25%*$25k*-6-11 Month Share Certificate
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $25k

Escondido Federal Credit Union Locations
Branch Office201 N Broadway First FloorEscondido, CA 92025
Branch Office201 N BroadwayEscondido, CA 92025

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