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Share Secured Loan

Establish or Re-Establish Credit - Borrow Against Your Personal Savings

A Share Secured Loan is a good idea if you're looking to build your credit or you need to make a necessary purchase but don't want to dip into your savings. With a Share Secured Loan you borrow against your savings at East County Schools and receive a low-rate loan, while still earning dividends on the amount you have on deposit!

You can borrow up to 100% of the balance in your Share Savings Account
No fees
Share Savings funds will remain on deposit and will continue to earn dividends, but will not be available for withdrawal. As the balance is repaid, the funds become available for use
Flexible terms - up to 120 months
$500 minimum loan
APR (annual percentage rate) is determined by adding 3% to the current Savings Rate

Loan Rates

View All Savings Rates | View All Loan Rates

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Members ECSFCU!

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

Refer your Family Members to ECS!
Spouses, children, siblings, parents, and grandkids are all eligible to join with you.

Rates as low as 4.15%^APR for new or 4.35%^APR pre-owned ECSFCU auto loan!
APR=Annual Percentage Rate. Includes auto payment and NCI discounts. Effective 10/01/2024

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