Online Banking

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

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 ECSFCU!

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

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

Rates as low as 4.39%^APR for new or 4.90%^APR pre-owned ECSFCU auto loan!
APR=Annual Percentage Rate. Effective 10/1/2023

Download Our Mobile App!

Find a Shared Branch or ATM