There’s been a change in federal regulations, so our Funds Availability Policy Disclosure has been updated. As of July 1, 2025, the amount of funds available when you deposit a check at an ATM or a branch have increased.
Here’s what’s changed:
There’s nothing you need to do—except enjoy the increase in available funds.
View the full Account Disclosures and Agreement here.
If you have any questions, please call us at 619-588-1515.
After financing a newly purchased truck with ECS, Todd wrote: Thank you for your efficient and friendly service! I always appreciate the "small bank" customer service, but the "big bank" options!Todd Linke, Mount Miguel HS Science Department
Rates as low as 4.15%APR for new or 4.35%APR pre-owned ECSFCU auto loan!
APR=Annual Percentage Rate. Includes auto payment and NCI discounts. Effective 10/01/2024