MyPay15 - East County Schools Federal Credit Union
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Receive half of each paycheck on the 15th of every month, up to $10,000 monthly

Get Started Today: Step One: Open a free East County Schools FCU Checking or eChecking account and direct deposit to ECSFCU (if you haven't already) Step Two: Select the "Apply for a Loan" button above and choose MyPay15 from your computer or mobile device.

MyPay15 Signature Credit Line is available to all contracted employees of the school districts we serve as well as any working or retired credit union ECSFCU member who gets paid once per month*

Monthly advances on the 15th will be the lesser of:
1)  50% of the employees' prior month district payroll Direct Deposit to ECSFCU; or
2)  Employees approved MyPay15 credit line limit; or
3)  $10,000

Minimum. MyPay15 monthly advance minimum is $1,000. Needs below $1,000 are best met via MyPayNow.

Automatic. After account opening, advances each month do not require a request, they are automatic. July and/or August may be excluded, as determined by the member during MyPay15 Line of Credit opening.

Transfer Fee. A transfer fee of $5.00 will be debited from your checking account on the scheduled monthly advance date. Try it for free! The first three months are free, when you sign up in 2021.

Payment. The advanced funds will be due to the credit union on payday. If your monthly payroll direct deposit is not sufficient to make your full payment, you will be charged interest at the Annual Percentage Rate on your disclosure statement for the amount unpaid.

Members may take advantage of MyPay15 or MyPayNow, but not both programs at the same time.


* All lines of credit are subject to credit approval. Other terms and conditions apply to the MyPay15 Signature Credit Line. A $5.00 Savings deposit is required to open your credit union membership and monthly payroll direct deposit of at least $2,000 per month is required. There are no fees associated with opening a checking accounts nor a MyPay15 Line of Credit. If transfer is not paid back in full on payday due date, the next month's transfer will not occur. Balances remaining on MyPay15 Line of Credit after the payroll posting date will incur an interest charge based on member's credit rating and as disclosed a the time of account set up. Interest begins accruing at due date.

Apply online for MyPay15 now

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Members LoveECSFCU!

  • 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