Escondido Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.45%	1-year CD	2.55% - Goldman Sachs Bank USA High-yield 12 Month CD
0.09%	Savings	1.90% - American Express National Bank High Yield Savings Account
1.00%	3-year CD	2.85% - Synchrony Bank 36 Month CD

View all Escondido Federal Credit Union rates »

Overview / Commentary

www.escondidofcu.org

760-839-6225

201 N Broadway Second Floor
Escondido, CA 92025

Escondido Federal Credit Union is headquartered in Escondido and is the 205^th largest credit union in the state of California. It is also the 2,431^st largest credit union in the nation. It was established in 1959 and as of June of 2018, it had grown to 9 employees and 2,583 members at 2 locations. Escondido Federal Credit Union 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.
See current membership details

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Health

B+

Data as of Q2 2018

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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

Overall
NCUA #	13402
Year Chartered	1959
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	9.4%
Annual Interest Income	$614.00K

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$45.9MM$45.3MM
Loans	Q2 2018vs Q2 2017	$16.2MM$16.0MM
Deposits	Q2 2018vs Q2 2017	$41.1MM$40.8MM
Equity Capital	Q2 2018vs Q2 2017	$4.7MM$4.3MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$120.00K$178.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$16.00K$12.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.14%^*	$25k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.12% → $10k - $25k

Escondido Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	$2.5k	-	Share Draft Account

Escondido Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$25k^*	-	36 Month Share Certificate
OTHER TIERS: 0.90% → $1k - $10k \| 0.95% → $10k - $25k
0.75%^*	$25k^*	-	18-24 Month Share Certificate
OTHER TIERS: 0.60% → $1k - $10k \| 0.70% → $10k - $25k
0.45%^*	$25k^*	-	12-17 Month Share Certificate
OTHER TIERS: 0.35% → $1k - $10k \| 0.40% → $10k - $25k
0.30%^*	$25k^*	-	6-11 Month Share Certificate
OTHER TIERS: 0.20% → $1k - $10k \| 0.25% → $10k - $25k

Escondido Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$25k^*	-	36 Month IRA Share Certificate
OTHER TIERS: 0.90% → $1k - $10k \| 0.95% → $10k - $25k
0.75%^*	$25k^*	-	18-24 Month IRA Share Certificate
OTHER TIERS: 0.60% → $1k - $10k \| 0.70% → $10k - $25k
0.45%^*	$25k^*	-	12-17 Month IRA Share Certificate
OTHER TIERS: 0.35% → $1k - $10k \| 0.40% → $10k - $25k
0.30%^*	$25k^*	-	6-11 Month IRA Share Certificate
OTHER TIERS: 0.20% → $1k - $10k \| 0.25% → $10k - $25k

Locations

Escondido Federal Credit Union Locations
Branch Office	201 N Broadway Second Floor	Escondido, CA 92025
Branch Office	201 N Broadway	Escondido, CA 92025

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