Escondido Federal Credit Union

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 207^th largest credit union in the state of California. It is also the 2,474^th 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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Health

Data as of Q4 2019

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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	1.31%
Return on Equity - YTD	10.3%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$43.4MM$44.3MM
Loans	Q4 2019vs Q4 2018	$16.3MM$16.4MM
Deposits	Q4 2019vs Q4 2018	$37.7MM$39.3MM
Equity Capital	Q4 2019vs Q4 2018	$5.5MM$4.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$97.00K$138.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$16.00K$23.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD

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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

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
1.61%^*	$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

Locations

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

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