Credit Cards - East County Schools Federal Credit Union
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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

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    CU Reward

    How to Choose:For those who are building or rebuilding their creditOur original Visa card
    Great low interest rate!For those who make a lot of purchases, and generally pay off their balance each month
    APR for Purchases 12.50%13.50-17.5%11.50%
    APR for Cash Advances 12.50%13.50-17.5%11.50%
    Earn rewards points with every purchase   check
    Annual Fee$0$0$0$0
    No Balance Transfer Feecheckcheckcheckcheck
    ATM Access for Cash Advancecheckcheckcheckcheck
    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

    Members LoveECSFCU!

    • Kevin Miller original headshot-01

      Kevin Miller likes to connect good people to great resources. He’s been an enthusiastic fan of East County Schools Federal Credit Union since 2013 when we were known to the education community as Grossmont Schools Federal Credit Union, more than five years ago. “Every person I’ve referred to ECSFCU has raved about the lower rates, better terms and great treatment they get.” From amazing auto loan rates to 0% interest classroom loans, he says, “There has never been a dropped ball or bad experience for anyone I’ve ever referred to ECSFCU.”


      Kevin Miller - Administrative Pastor of Foothills Christian Church