Student Loans - East County Schools Federal Credit Union
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Student Loans

ECS members have access to low cost, new and refinanced loans through Lendkey

  • Complete either entire application online in under 15 minutes
  • No application fee
  • 0.25% interest rate reduction when you sign up for automatic payments

Private Student Loans*

  • Finance your education, or that of a family member
  • Pay for all qualified education expenses, including computers
  • Competitive interest rates and with good grades, potential for even lower rates
  • Cosigner release upon request and after 24 consecutive, full monthly on-time payments, and income requirements are met

Refinance or Consolidate Student Loans

  • Simplify your finances with one easy monthly payment
  • Interest-only repayment option up to four years
  • Cosigner release available for creditworthy borrowers after 12 on-time principal and interest payments
* Private student loans should be used as supplemental funding after exhausting all other sources of financial aid including grants, scholarships and federal student loans. Federal loans offer more attractive terms when compared to most other borrowing options, including private student loans. For more information on federal loans, visit http://www.fafsa.ed.gov.

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 LoveECSFCU!

  • 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