Covid-19 Updates - East County Schools Federal Credit Union
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Updated Wednesday August 3, 2020

The El Cajon branch lobby is open for our member-owners to come inside. We are open our regular hours of 9:00 a.m. - 5:00 p.m. Monday - Friday. The popular "curbside concierge" was retired July 2.

Our staff takes this pandemic very seriously and we value the health concerns of all member-owners and staff. We are going above and beyond to comply with the County, State and CDC guidelines for the safe re-opening of our branch and we have many protocols in effect to that effect. We thank you in advance for your cooperation.  If you do need to come to the branch in person:

  • Face Masks are required for entry inside our building, no exceptions
  • Temperatures are checked for anyone entering our building (you must be less than 100.4F)
  • Unless you have joint business, guests will be asked to wait outside, to limit the people in our lobby
  • Our restrooms will be closed to member-owners (Target next door does have them open)
  • No handshakes or hugs right now  (we miss it too)
  • Please respect the floor signs indicating where to wait for service and how far back to stand from our teller stations, and sit from our New Account and Loan desks. We will be cleaning work areas between member-owners; you will be told when it is safe to proceed
  • Our front door will be ENTRANCE ONLY and our side door will be EXIT ONLY
  • We provide hand sanitizer in three locations in our lobby and encourage you to use it
  • A dedicated staff member will disinfect any lobby areas touched by member-owners during all branch hours

The La Mesa Village branch lobby remains temporarily closed because adequate social distancing is not possible due to it's lobby configuration.

For everyone's safety, please stay home if you have been exposed, or if you have any Covid-19 symptoms. We answer our phones, and offer most services through Online and Mobile banking, 30,000 CO-OP ATMs and 17 San Diego County Shared Branches to keep you connected to your finances.

See below for the latest ways we are working to ease the financial burdens of COVID-19 for our member-owners.

 

COVID-19 Financial Assistance

Six-per-Month Transaction Limit on Savings Accounts Waived

If you experience a hardship, East County Schools offers relief options that may help such as new Emergency Relief Loans, Credit Cards and Lines of Credit. Please call us at (619) 588-1515 for assistance.

If you need assistance with mobile or online banking, or have any other needs, our staff remains available by phone at 619-588-1515 or via online message to help you in any way that we can.

Don't be a Fraud Victim

The Coronavirus (COVID-19) has been a windfall for fraudsters who invent scams faster than many can figure them out. Help yourself, your teens, your parents and loved ones navigate what is credible and what is a scam.

The Federal Trade Commission (FTC) has a very credible and thorough website with a lot of helpful information including:

 

  • Learn how to tell the difference between a real Covid-19 contact tracer and a scammer. Legitimate tracers need health information, not money or personal financial information.
  • Don’t respond to texts, emails or calls about checks from the government. Here’s what you need to know.
  • Ignore offers for vaccinations and home test kits. Scammers are selling products to treat or prevent COVID-19 without proof that they work.
  • Be wary of ads for test kits. Most test kits being advertised have not been approved by the FDA, and aren’t necessarily accurate.
  • Hang up on robocalls. Scammers are using illegal robocalls to pitch everything from low-priced health insurance to work-at-home schemes.
  • Watch for emails claiming to be from the CDC or WHO. Use sites like coronavirus.gov and usa.gov/coronavirus to get the latest information. And don’t click on links from sources you don’t know.
  • Do your homework when it comes to donations. Never donate in cash, by gift card, or by wiring money.


Credible Covid-19 information sources also include:

Federal Trade Commission website https://www.ftc.gov/coronavirus/scams-consumer-advice  

Internal Revenue Service website https://www.irs.gov/newsroom/irs-warns-against-covid-19-fraud-other-financial-schemes

Centers of Disease Control website https://www.cdc.gov/coronavirus/

San Diego website https://www.sandiegocounty.gov/coronavirus/

Economic Impact (stimulus) Checks

Visit https://www.IRS.gov website to track the status of your stimulus check.

Use the East County Schools Mobile App to remotely deposit your check.

There are many reasons why you may not have received a direct deposit, if you were expecting an Economic Impact Payment (stimulus) check. Visit https://www.irs.gov/coronavirus/get-my-payment for more information. If you have not received an IRS refund in the last two years, you will need to input your Financial Institutions Routing Number (East County Schools FCU routing number is 32276509) and your Account Number. Sample ECS check with labels

Your Money is Safe Here

Did you know that not one penny of insured savings has ever been lost by a member of a federally insured credit union like East County Schools Federal Credit Union? Your deposits are fully insured up to $250,000 at East County Schools FCU. The National Credit Union Administration has a plethora of information for members about your finances and about COVID-19 resources. They are a trusted source. https://www.ncua.gov/coronavirus

Financial Education

Financial Foundations

 Could you use an easy explanation of the basics? These short, understandable lessons will help you to make better decisions related to managing your money. Titles include: Checking Accounts, Car Loans, Preventing Overdraft Fees, Credit Cards, Mobile and Online Banking and Why You Should Pay More than the Minimum Balance on your Credit Card.

Financial Foundations Articles

Building Financial Capacity

Adulting can feel overwhelming at times! Select from short but comprehensive modules on Creating a Budget, Credit Scores & Reports, Taxes: the Basics, Healthy Financial Habits, Debt Management, Identity Protection and How to Start Family Conversations about Money.

Building Financial Capacity Articles

Owning a Home

Home Ownership can feel overwhelming. Talk to us any time, but these articles will also educate you about the benefits and costs of all aspects of owning a home. Learn about Buying a Home, Mortgages, Mortgage Relief, Investment Property, Reverse Mortgages and Refinances.

Owning a Home Articles

Investing in Your Future

Are you prepared for college tuition, one of life's emergencies or a comfortable retirement? Explore important financial planning topics like 529 plans, Emergency Savings, Health Savings Accounts, Sustainable Investing, IRA's, Estate Planing, and the FIRE Lifestyle.

Investing in Your Future Modules

Preparing for Retirement Modules

Members LoveECSFCU!

  • ECS-logo

    My Loan Officer, Mireya, is truly an asset to ECSFCU. She is competent, articulate, sweet and compassionate. When there was an error in the payoff of my car, Mireya personally took a credit union check and drove it to the dealer to correct it, the same day. We are thankful for the time and effort she put into this important transaction.  That’s customer service, and she is leading the pack!

     

     

    Jack Charles, Grossmont High School District, retired
  • Kevin Miller original headshot-01

    Kevin Miller likes to connect good people to great resources. He’s been an enthusiastic fan of East County Schools Federal Credit Union since 2013 when we were known to the education community as Grossmont Schools Federal Credit Union, more than five years ago. “Every person I’ve referred to ECSFCU has raved about the lower rates, better terms and great treatment they get.” From 4.00%APR eChecking to amazing auto loan rates to 0% interest classroom loans, he says, “There has never been a dropped ball or bad experience for anyone I’ve ever referred to ECSFCU.”

    Kevin Miller - Administrative Pastor of Foothills Christian Church
  • Cathy Sprecco with Koala - Australia 2015

    I had a fantastic trip to Switzerland and Austria this past summer with East County Schools FCU and the SD East County Chamber of Commerce. This was my 6th trip with this fun group! The Educator Tour, guided by the infamous Steve Devan, is the perfect way to truly see and experience any country. The train ride through the Alps was a personal favorite and such an amazing experience. Seeing and hearing cows and goats with real bells grazing on the side of the mountains made me want to sing a favorite "Sound of Music" song and look for Heidi or her grandpa around every turn! I really felt immersed in the culture. The extra servings of warm apple strudel helped too!

     I am a single traveler and all worries are put aside on these well-coordinated trips. Almost everything is taken care of for the travelers so I always feel spoiled! The fellow Educator Tour travelers that I have met from other districts and other walks of life have become my life-long friends! These trips are so dear to me that I have a separate savings travel account where I dedicate a small monthly amount to be ready for the next country!

    Come join us!

    Cathy Sprecco - First Grade Teacher in Lakeside Union School District
  • Grant Nelson 2019

    When I became an ECSFCU member, I immediately refinanced my house and got better rates for two cars. East County School employees who are just starting out, this is the best place to be! ECSFCU can help you secure your financial life.

    Grant Nelson - 8th Grade History Teacher in La Mesa Spring Valley Schools
  • Grant Nelson 2019

    While overseas I found myself in the frightening situation of being out of cash and with two debit cards from other financial institutions that weren’t working, despite my travel notice pre-planning. ECSFCU’s amazing member services team stayed late on a Friday to approve and immediately fund a quick loan that made the rest of our trip wonderful. Nobody else does that! Not only is it something that I will never forget, but it’s something I want to tell everyone about.

    Grant Nelson - 8th Grade History Teacher, La Mesa Spring Valley Schools
  • Marcel Becker testimonial
    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
  • Todd Linke IMG_4888 no wording cropped
    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
  • Karl Danielson 2018
    I've bought three cars through the credit union. They make it very easy, very simple, and you can't beat the interest rate. I highly endorse them, their friendly staff, and the service that East County Schools gives its members!
    Karl Danielson Granite Hills HS Television, Film and Digital Media Teacher
  • ECSFCU is big enough to approve loans with great rates and small enough to provide personal service and products that are important to the educational community.
    Randy Montesanto Grossmont Union High School District
  • We bank with East County Schools Federal Credit Union and learned they also have a great car buying service! We decided to look into it and ended up with the best customer service, an amazing price, no hassle of going to the dealership, and a brand new 2017 Honda Accord Sport! A year later, we were in need of another car for our growing family. It was an easy decision to go with the credit union and New Cars Inc again. The process and customer service didn’t disappoint once again, and we love our new 2018 Honda CRV! A big thank you to New Cars Inc and ECSFCU!
    Carly and Luke Esquerra