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Make a Splash with some cash!

Summer 0% Loan for 24 Months

Make Your Summer More Carefree with Some Extra Cash in your Pocket!

New ECS Members - Apply for a loan now.

Current ECS Members - Refer a family member to join ECS to get this same great loan for yourself!

  • You can receive up to $5,000 - up to 5% of your annual salary
  • Pay it back in 24 months at 0% APR*
  • No payments all summer! First payment not due until September 30, 2018
  • Open to all school employees in East County schools

*APR=Annual Percentage Rate. To take advantage of this loan offer, you must be a new member to East County Schools FCU, or you must be an existing member who refers an eligible family member who is not a paid employee of one of our districts. Requires automatic payment from an ECSFCU Checking Account and Direct Deposit of employee’s payroll check (minimum $500). Certain credit-related qualifications will apply. For those who sign up on or before 6/30/2018, loans will be disbursed on 6/29/2018 (Friday). For those who sign up between 6/30/2018-8/31/2018, loan will be disbursed at the time of request. First payment due date is September 30, 2018, and final payment due date is June 30, 2020. Loan amounts up to 5% of current year’s annual salary, with a minimum of $500 and maximum of $5,000. If a payment is more than 10 days late, a late charge of 5% of the payment amount or $15, whichever is greater, will be imposed. If you miss two consecutive payments, the loan will revert to a default interest rate of 7.50%, which will remain in effect until you have made three consecutive on-time payments or until the end of the term, whichever comes first.

Apply online and get your loan decision fast

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Members LoveECSFCU!

  • Todd Linke IMG_4888 no wording cropped
    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
  • 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