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.
What mattered to me, was that I needed the money to buy a motorhome, and I needed it now. This is the fastest I've ever experienced for a loan. It's never been this easy or this pleasant and I could tell that this was simply the way ECSFCU serves all of their members; it's their culture. I wasn't a member when I started, but I am now.Marcel Becker - General Manager, Trident Maritime Systems and Career Technical Education and Ethics in Business partner with GUHSD
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