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Escondido Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.escondidofcu.org
760-839-4606
201 N Broadway
Escondido, CA 92025-2798

Escondido Federal Credit Union is headquartered in Escondido and is the 180th largest credit union in the state of California. It is also the 2,231st largest credit union in the nation. It was established in 1959 and as of March of 2025, it had grown to 8 employees and 2,061 members at 1 location. Escondido Federal Credit Union's CD rates are 4X the national average, and it 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

Reviews

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Health
A

Data as of Q1 2025

Learn why bank health matters
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

Overall
NCUA #13402
Year Chartered1959
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD1.49%
Return on Equity - YTD11.52%
Annual Interest Income$645K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$63.8MM$60.9MM
LoansQ1 2025vs Q1 2024$21.6MM$20.4MM
DepositsQ1 2025vs Q1 2024$55.5MM$53.4MM
Equity CapitalQ1 2025vs Q1 2024$8.1MM$7.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$137K$112K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3K$4K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Escondido 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.

Escondido Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$25k*-Money Market Account
OTHER TIERS: 0.25% → $2.5k - $10k | 0.75% → $10k - $25k

Escondido Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$2.5k-Share Draft Account

Escondido Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$1k-6-11 Month Share Certificate
3.25%$1k-12-17 Month Share Certificate
2.00%$1k-18-24 Month Share Certificate
1.41%*$25k*-36 Month Share Certificate
OTHER TIERS: 1.21% → $1k - $10k | 1.31% → $10k - $25k

Escondido Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$100-IRA Share Account
Locations


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

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