Credit Cards - East County Schools Federal Credit Union
Skip to main content

Online Banking

Open An Account  |  Apply For A Loan

Credit Cards

Choose the VISA Credit Card that fits your lifestyle!

ALL East County Schools VISA Credit Cards include*:

  • Personal Identity Theft Coverage
  • Cash Advances at thousands of ATMs worldwide
  • Warranty Manager Service
  • Auto Rental Collision Damage Waiver
  • Travel & Emergency Assistance
  • $1,000,000 in Travel Accident and Baggage Delay Insurance

*See Your Guide to Visa Benefits for full details about these programs and offers

Compare Credit Card Accounts

Feature

Share Secured

Classic

Choice

CU Reward

How to Choose:For those who are building or rebuilding their creditOur original Visa card
Pay our lowest interest rate!For those who make a lot of purchases, and generally pay off their balance each month
APR for Purchases 12.5%8.25-16.5%11.5%
APR for Cash Advances 12.5%8.25-16.5%11.5%
Earn rewards points with every purchase   check
Annual Fee$0$0$0$0
No Balance Transfer Feecheckcheckcheckcheck
ATM Access for Cash Advancecheckcheckcheckcheck
No interest Grace Periodcheckcheckcheckcheck
Chip and PIN Security  checkcheck
Visa Alertscheckcheckcheckcheck
Credit Limits up to  $5,000$50,000$50,000
Open an accountApply for a Shared Secure Account NowApply for a Visa Classic NowApply for a Visa Choice NowApply for a Visa CU Reward Now

CU Reward Visa Program Rules**

How do I earn points?
Do points expire?
Where can I find the award items' cost/availability?
Does my account need to be open or in good standing?
How are awards shipped?
What is the award item return policy?
Do points have cash value?
May points be combined with another offer or used in any other way?

Credit Card Rewards FAQs

How can I use my points for redemptions in the program?
How do I redeem points for merchandise awards?
Once I submit a merchandise redemption, how long will it take for my shipment to arrive?
How do I redeem points for travel awards?
I'd like to use my points for an airline ticket but my schedule does not allow me to stay over a Saturday night or to book the reservation 21 days in advance. Can I still get a ticket?
Can I ship to a military base?
How do I book travel using my rewards account?
Are there any fee(s) associated with travel redemptions or purchases, and can I pay that fee with my points?
Can I book travel reservations for someone else using my points?
I did not get my email confirmation, what should Ido?
Do I still earn frequent flyer miles, etc. when I use my points as payment towards my airline tickets, car rentals or hotel stays?
If I don't have enough points to pay the total amount for my travel order, can I pay the rest with my card?
Can I use a payment card other than the card I have enrolled in the program?
**Additional CU Rewards program rules apply. The East County Schools FCU CU Rewards VISA program is contracted with PSCU and a complete and current list of program rules may always be found from within their CU Rewards website, accessible from your credit card account information in ECSFCU Online Banking.

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!

  • Grant Nelson 2019

    When I became an ECSFCU member, I immediately refinanced my house and got better rates for two cars. East County School employees who are just starting out, this is the best place to be! ECSFCU can help you secure your financial life.

    Grant Nelson - 8th Grade History Teacher in La Mesa Spring Valley Schools