RV/Boat Loans - East County Schools Federal Credit Union
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RV, Motorcycle, PowerSport and Boat Loans

Motor Home, Fifth Wheeler & Travel Trailer Loans

New RVs: Up to 100% financing of the total purchase price, including all factory-installed equipment

Used RVs: Up to 110% of NADA Guide, including options

  • No application or funding fees
  • Finance the tax, license, documentation fee
  • Terms up to 180 months (15 years)

Boats And Watercraft Loans

New Boats/Watercraft: Up to 100% financing of the total purchase price

Used Boats/Watercraft: Up to 100% of NADA Guide or fair market value, not to exceed the purchase price

 

  • Finance the tax, license, documentation fee
  • No application or funding fees
  • Terms up to 84 months (7 years)

Motorcycle and PowerSport Loans

New Motorcycle and other PowerSport Vehicles: Up to 100% financing of the total purchase price

Used Motorcycle and other PowerSport Vehicles: Up to 100% of NADA Guide or fair market value, not to exceed the purchase price

 

  • Finance the tax, license, documentation fee
  • No application or funding fees
  • Terms up to 72 months (6 years)

Credit Life, Disability, and Unemployment Insurance

Protects you and your family from unforeseen circumstances, including loss of a life, an unexpected disability, loss of employment, or an unpaid family leave. All of these “protected events” are difficult to predict.

How Does it Work?

This voluntary insurance premium is included in your monthly payment; you won't receive extra bills or statements. If you have a balance on your loan and are totally disabled due to injury, illness, or in the event of an unexpected death, Credit Life and Credit Disability Insurance can help.

Why is it Valuable?

Credit Life and Credit Disability Insurance works in two different ways. You and your family won't have to make loan payments if you're totally disabled due to an injury or illness. It will help pay your loan until you're fully recovered, or in the event of an unexpected death, it will pay off the loan. Savings, salary or payoffs from other life insurance may be spared, giving your family financial freedom when they need it most.

Read more about Loan Protection

Two options available:

  • MEMBER’S CHOICE® Credit Life Insurance is a voluntary coverage that can help reduce or pay off your loan balance, up to the maximum limit, if you or your covered co-borrower passes away.
  • MEMBER’S CHOICE® Credit Disability Insurance is a voluntary coverage plan that helps make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.

You can add these insurance plans to your auto loans and/or personal loans or lines of credit. Other features include:

  • Automatic eligibility for most borrowers
  • Simple enrollment
  • No medical screening
  • Cost included in your loan payment

You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER'S CHOICETMCredit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Policy Agreement for a full explanation of the terms. Credit Life and Disability is not available on Home Equity Lines of Credit.

Instant Loan Decision 24/7

Apply for a loan on YOUR schedule. East County Schools FCU offers several convenient and secure ways for you to submit your loan request. Simply click on one of the links below to get started.

Approved loan decisions come back immediately*. Non-automatically approved loans are reviewed generally within a business day and one of our loan officers will contact you.

If you're looking for a Vehicle Loan, Signature Loan, VISA Credit Card** or Home Equity Loan**, make it easy on yourself with our online loan application!

Non Credit Union Members may also apply for a loan online

You can still apply for a loan before you become an ECSFCU member. All non-members must meet membership requirements before any loan can be funded. See if you are eligible for ECSFCU membership.

Apply for a Loan Online Loan Application

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 LoveECSFCU!

  • Cathy Sprecco with Koala - Australia 2015

    I had a fantastic trip to Switzerland and Austria this past summer with East County Schools FCU and the SD East County Chamber of Commerce. This was my 6th trip with this fun group! The Educator Tour, guided by the infamous Steve Devan, is the perfect way to truly see and experience any country. The train ride through the Alps was a personal favorite and such an amazing experience. Seeing and hearing cows and goats with real bells grazing on the side of the mountains made me want to sing a favorite "Sound of Music" song and look for Heidi or her grandpa around every turn! I really felt immersed in the culture. The extra servings of warm apple strudel helped too!

     I am a single traveler and all worries are put aside on these well-coordinated trips. Almost everything is taken care of for the travelers so I always feel spoiled! The fellow Educator Tour travelers that I have met from other districts and other walks of life have become my life-long friends! These trips are so dear to me that I have a separate savings travel account where I dedicate a small monthly amount to be ready for the next country!

    Come join us!

    Cathy Sprecco - First Grade Teacher in Lakeside Union School District