MyPay15 - East County Schools Federal Credit Union
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Get your monthly paycheck 15 days early
Get access to your monthly pay 15 days early

Receive half of each monthly paycheck 15 days early.

Why wait for payday. It's your money, use it now.

MyPay15 Signature Credit Line is available to all ECSFCU members working or retired who have a monthly paycheck*

Monthly advances up to 15 days before payday will be up to (the lesser of):
     1)  50% of your prior month's district payroll Direct Deposit to ECSFCU; or
     2)  Your approved MyPay15 credit line limit; or $10,000
$100 minimum advance.

Automatic. MyPay15 advances every month are automatic. Specific months may be excluded, as determined by the member during MyPay15 Line of Credit opening.

No fees to enroll in MyPay15
No cost for regularly scheduled monthly MyPay15 advance

Get Started Today:
Step 1: Open an ECSFCU Checking or eChecking account
Step 2: Sign up for Direct Deposit to ECSFCU
Step 3: Select the "Apply for a Loan" button above or on the ECS home page and choose MyPay15

Payment. The advanced funds will be due to the credit union on your regular 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. If your month-end payroll deposit covers your advanced funds, there are no costs.

* MyPay15 is a Signature Line of Credit and is subject to credit approval. A $5.00 Savings deposit is required to open your credit union membership and monthly payroll direct deposit of at least $200. $10,000 is the maximum monthly advance. There are no fees associated with opening a checking account, opening a MyPay15 Line of Credit, nor taking the monthly advance. Advanced funds will be due to the credit union at that month’s payroll distribution to avoid interest due. 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 at the time of account set up. Rates are subject to change; rates are a minimum of 10.5%APR and a maximum of 17.5%APR as of January 1, 2023. APR = Annual Percentage Rate. Interest for unpaid monthly transfer begins accruing at due date and the alternative minimum payment amount, based on the outstanding balance, is in the Line of Credit Agreement and Disclosure provided at account set up.

Apply online for MyPay15 now

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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