MyPayNewHire - East County Schools Federal Credit Union
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Receive your initial paycheck today with a 0% Loan until your first payday

MyPayNewHire loans are available to all new hire employees of the school districts we serve.

This 0% rate / low percentage rate loan is designed to "bridge the gap" between when a new employee starts working, and when they receive their first paycheck. Upon loan approval, receive your first paycheck amount immediately.

  • 0% interest for up to 60 days*
  • Loan amounts of 100% of monthly gross pay, up to $5,000
  • Optional payoff plan:
    • With full repayment of loan at first paycheck: pay no interest
    • Select partial repayment of your first paycheck and continue to make monthly payments on the balance for up to 24 months at a low interest rate**
  • This loan offer is available for all new school district employees for up to 60 days after the date of employment
  • Loan is subject to membership at ECSFCU with a Checking Account and District Direct Deposit***

This loan was previously offered as our "Advance Payroll Loan"

* Interest will begin accruing as of the first payment due date (45 – 60 days after date of loan funding), if the loan is not paid in full on or before that date.

** All loans subject to Credit Approval. The interest rate on your loan after the 0% interest period is based on your individual credit score.

*** $5.00 Savings Deposit is required to open your credit union membership.

Financial Education

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Members LoveECSFCU!

  • 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