Escondido Federal Credit Union

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

Escondido Federal Credit Union is headquartered in Escondido and is the 207th largest credit union in the state of California. It is also the 2,474th largest credit union in the nation. It was established in 1959 and as of December of 2019, it had grown to 9 employees and 2,513 members at 2 locations. Escondido Federal Credit Union's CD rates are 17% higher than the national average, and it has a B 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.
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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 low asset base.

Health Grade Components

NCUA #13402
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD10.3%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$43.4MM$44.3MM
LoansQ4 2019vs Q4 2018$16.3MM$16.4MM
DepositsQ4 2019vs Q4 2018$37.7MM$39.3MM
Equity CapitalQ4 2019vs Q4 2018$5.5MM$4.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$97.00K$138.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$16.00K$23.00K
Real Estate OwnedQ4 2019vs Q4 2018$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
0.09%*$25k*-Regular Share Savings Account
OTHER TIERS: 0.05% $50 - $5k | 0.07% $5k - $25k
0.09%*$25k*-Sub-Share Account
OTHER TIERS: 0.05% $50 - $5k | 0.07% $5k - $25k
0.09%*$25k*-Holiday Club Account
OTHER TIERS: 0.05% $50 - $5k | 0.07% $5k - $25k

Escondido Federal Credit Union Money Market Rates

0.14%*$25k*-Money Market Account
OTHER TIERS: 0.10% $2.5k - $10k | 0.12% $10k - $25k

Escondido Federal Credit Union Checking Account Rates

0.02%$2.5k-Share Draft Account

Escondido Federal Credit Union CD Rates

1.61%*$25k*-36 Month Share Certificate
OTHER TIERS: 1.51% $1k - $10k | 1.56% $10k - $25k
1.36%*$25k*-18-24 Month Share Certificate
OTHER TIERS: 1.21% $1k - $10k | 1.31% $10k - $25k
1.05%*$25k*-12-17 Month Share Certificate
OTHER TIERS: 0.95% $1k - $10k | 1.00% $10k - $25k
0.60%*$25k*-6-11 Month Share Certificate
OTHER TIERS: 0.50% $1k - $10k | 0.55% $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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