Privacy Policy - East County Schools Federal Credit Union
Skip to main content

Online Banking

Open An Account  |  Apply For A Loan

Privacy Policy

Effective July 1, 2015

What does East County Schools Federal Credit Union Do With Your Personal Information?

View our Complete Privacy Notice

General Policy Statements

It is the policy of East County Schools Federal Credit Union to recognize and respect each member's privacy and their expectation of privacy regarding their financial information with this credit union. We understand consumer's concern on how their information is collected, used and distributed. This policy is to address those concerns and solicit their continuing trust and confidence in us. This policy is also complying with the Gramm-Leach-Bliley Act (Act) as required by all federally insured credit unions.

One of the main concerns is the use of non-public personal information once it has been collected and the original transaction completed. Our credit union uses the information only to the extent necessary to carry out our daily business activities and to provide services and other opportunities to our members. We do not have any affiliates. We acquire and keep only that information that we have a reasonable use for or may support current or planned activities.

Information We Collect

During the course of business we collect non-public personal information about you from the following sources:

  • Information we receive from you on applications, e-mails, and other forms and documents such as your name, address, e-mail address, birth date, income, social security number;
  • Information about your transactions with us such as your credit card usage, your payment history or parties to the transaction;
  • Information we receive from a consumer reporting agency such as your creditworthiness and credit history;
  • Information obtained when verifying the information you provide on an application or other forms (this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions) such as your payment history, information concerning your transactions and income;
  • Information obtained from consumer purchasing and census data providers, marketing researchers and public records such as demographic information;
  • Information obtained from our sponsoring company(ies) about potential members such as your name, address, and social security number.

If you decide to terminate your membership or become an inactive member, we will not share information we have collected about you, except as may be permitted or required by law.

Information We Share

We may share some or all of the information described above with non-affiliated third parties under the following conditions:

  • As necessary to help complete a transaction. This would include sharing information with companies that assist us in administering and bringing you our products and services such as check and statement printing companies and data processing companies. The information shared typically includes information to process transactions on your behalf, conduct our operations, follow your instructions as you authorize or protect the security of our financial records.
  • To companies that perform marketing or other services on our behalf. We have agreements with these companies that prohibit them from disclosing or using the information other than for providing these services.
  • To consumer and credit reporting companies;
  • To non-affiliated third parties as permitted or required by law;
  • To non-affiliated third parties at the member's consent or request.

Also, we may enter into agreements with other businesses to provide support or services to us or for one or more of our products, such as mailing houses that assist us in delivering your statements and other promotional materials. Under certain circumstances we may also enter into joint marketing agreements with other financial service providers, such as mortgage bankers, securities broker-dealers, and insurance companies and agents. Before entering into relationships with such entities, we require them to agree to safeguard our members' information and to comply with all applicable privacy laws.

We may also disclose non-public personal information about you to other non-affiliated third parties not described above as permitted by law.

Because of the limited way we share information with nonaffiliated third parties, we are not required to provide you with the opportunity to opt-out from the disclosure of information to non-affiliated third parties.

Internal Standards

Keeping your information accurate and up-to-date is very important. If you ever find out that your information is incomplete, inaccurate, or not current, please contact us at the address or telephone number shown on your statement. We will correct your information and maintain it in a complete and accurate manner. Personal information will not be improperly altered or destroyed. Security standards and procedures are in place to both maintain the records and prevent unauthorized disclosure of information. East County Schools Federal Credit Union employees will only have access to member information as "need-to-know" basis. Our Credit Union trains and educates our employees on the importance of maintaining member privacy and trust and does periodic monitoring and training to ensure their compliance.

We reserve the right to revise our policy as our business needs change or as the law requires. If we revise our policies, we will provide our active members with copies of our new policies at that time.

The credit union recognizes its responsibility to provide an initial and annual notice of its privacy policies and practices to each of its members.

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

    From the beginning of the process to the day of funding, Suzy and her assistant, Lance, were exactly what anyone would hope for when refinancing their home. They responded to all my questions with patience and in a timely manner. They let me know what to expect and when to expect it every step of the way. I couldn't be more pleased with the service I received. Thank you Suzy and Lance for making this so easy!

     

    Elissa Ellis-MacLeod, on her ECSFCU home refinance
  • 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