Latest COVID-19 Information
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Latest COVID-19 Information

Friday, March 20, 2020

The safety and well-being of our member-owners and staff remain our top priority, and we hope you remain in good health. East County Schools Federal Credit Union continues to monitor the COVID-19 developments and would like to share some of the changes we are making in light of the changing environment.

Effective immediately, the La Mesa Village branch lobby is temporarily closed to the public, for the safety of our staff.

Effective immediately, the El Cajon branch lobby is open using a Curbside Concierge plan for member-owners, for the safety of our staff. Please consider, whenever possible, using our Online and Mobile banking, 30,000 CO-OP ATMs and 17 San Diego County Shared Branches to keep you connected to your finances. Our hours remain 9:00 a.m. - 5:00 pm in the El Cajon branch.

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

COVID-19 Financial Assistance Changes

Financial Wellness Loans

Increased ATM Daily Cash Withdrawal Limits

Fees Waived on non Co-Op ATM transactions

Fees Waived on All Incoming and Outgoing Wire Transfers

Fees Waived on All Cashier's Checks

No Fee 90-Day Skip-A-Payment


Please note: only ONE Financial Wellness Loan per member will be considered, but member-owners who have existing Personal or Auto Loans with ECSFCU may also be eligible to Skip-A-Pay for 90 days on those loans in addition to a Financial Wellness Loan.


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 or apply online.

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 during the COVID-19 pandemic

The Coronavirus (COVID-19) has been a windfall for fraudsters as they exploit our thirst for knowledge on the virus. A number of Coronavirus - themed phishing attacks to deliver malware have been discovered. This malware can compromise your online banking credentials, credit card numbers or other personal information. Do not provide personal information to emails that you did not solicit. East County Schools FCU will never send you an email soliciting personal information. The phishing emails or social media posts may appear to be from the Centers for Disease Control (CDC) or the World Health Organization (WHO) and contain an infected link or attachment purporting to be from a credible source. They may contain maps, advice from medical experts, information on cures, vaccinations or product shortages. Please remain vigilant.

 Do not open these emails, click on links or provide information in response to emails that come from sources you do not recognize or request. It is safer for you to go directly to the sites that you trust, directly to the company's website from your browser. Credible sources include:

 Centers of Disease Control website

San Diego website

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!

  • 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