Skip to main content

Online Banking

Open An Account  |  Apply For A Loan

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

Apply online and get your loan decision fast

Loan Rates

Financial Education

Intro to Finance

Are you stressed about money? Don't worry - you're not alone and help is available! This program will help you understand key financial concepts and make better decisions related to managing your money.

Intro to Finance Articles

Major Life Transactions

Life is full of big decisions, and it can feel overwhelming at times! This program will equip you to better manage some major financial decisions that may come your way.

Major Life Transactions Articles

Paying for College

Paying for education can seem expensive and overwhelming. But don't worry - you're not in it alone! This program will help you understand the costs associated with financing an education and navigate the application and repayment process.

Paying for College Articles

Retirement Planning

Are you prepared for retirement? This program will help you plan today for the life you want in retirement. Explore important financial planning topics like investment strategies, estate planning, and social security so you can have a comfortable retirement.

Retirement Planning Articles

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
  • ECSFCU is big enough to approve loans with great rates and small enough to provide personal service and products that are important to the educational community.
    Randy Montesanto Grossmont Union High School District
  • 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