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Skip a Payment

Relax and enjoy the season - we have you covered!

Skip November, December or January Loan Payment and keep the cash!

Fee is only $35 per loan payment skipped.

May be used for

  • Auto Loans
  • Recreational Vehicle (RV) Loans
  • Personal Loans

Members with qualifying loans in good standing will be notified of this option during the Fall. Simply select the month (November, December or January) that you would like to skip.

Select the month you would like to skip for each eligible loan. Use the cash to enjoy the holidays or to catch up with bills!

*All requests to skip a payment must be approved by the loan department. Members must agree to amend the terms of their original agreement and to repay the entire unpaid balance and accrued interest. Mortgages, Home Equity Products and Visa Credit Card Loans are not eligible for this program. To be eligible, all credit union accounts must be in good standing.

Financial Education

Intro to Finance

Are you stressed about money? Don't worry - you're not alone and help is available! This program will help you understand key financial concepts and make better decisions related to managing your money.

Intro to Finance Articles

Major Life Transactions

Life is full of big decisions, and it can feel overwhelming at times! This program will equip you to better manage some major financial decisions that may come your way.

Major Life Transactions Articles

Paying for College

Paying for education can seem expensive and overwhelming. But don't worry - you're not in it alone! This program will help you understand the costs associated with financing an education and navigate the application and repayment process.

Paying for College Articles

Retirement Planning

Are you prepared for retirement? This program will help you plan today for the life you want in retirement. Explore important financial planning topics like investment strategies, estate planning, and social security so you can have a comfortable retirement.

Retirement Planning Articles

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
Refer Your Family
Refer your Family Members to ECS!
Spouses, children, siblings, parents, and grandkids are all eligible to join with you.

Rates as low as 1.49% for a new or pre-owned ECSFCU auto loan!

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