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 East County Schools Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
East County Schools Federal Credit Union's 12 Month CDs rates are at 2.32%. MonitorBankRates evaluates the financial stability of East County Schools Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.39%. Rates were last updated on 04/11/2026. East County Schools Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at East County Schools Federal Credit Union? Share your experience about East County Schools Federal Credit Union by leaving a review below, or read customer reviews before you decide to use East County Schools Federal Credit Union. East County Schools Federal Credit Union
Main 1069 Graves Ave Ste 100
https://www.eastcountyschools.org El Cajon, CA 92021 4573 
East County Schools Federal Credit Union CD Rates
East County Schools Federal Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for East County Schools Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather East County Schools Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with East County Schools Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
East County Schools Federal Credit Union
Address
1069 Graves Ave Ste 100,
El Cajon, CA 92021 4573
Phone
619-588-1515
Fax
619-588-2197
President
Paul Schnaubelt
CEO
Matt Lyons
Full-Time Employees
17
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.39%
Return on Assets (ROA)
0.4703%
Return on Equity (ROE)
4.8472%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
140,104,594
Total Amount of Shares and Deposits
122,976,613
Total Shares and Deposits < 1 Year
116,760,939
Total Shares and Deposits 1 3 Years
3,728,853
Total Shares and Deposits > 3 Years
2,486,820
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,597,608
Total Uninsured Shares and Deposits > $250K (F+J)
28,597,608
Total Insured Shares and Deposits > $250K (item 17 less item K)
94,379,005
Total Interest Expense (Sum of items 6 8)
579,203
Share Certificates
402
Number of Accounts for Share Drafts
4,003
IRA KEOGH Accounts
155
Number of Accounts for Regular Shares
6,403
Money Market Shares
514
Net Income (unless the amount is already included in Undivided Earnings)
658,980
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
142,872
Total Liabilities
126,509,442
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About East County Schools Federal Credit UnionIs East County Schools Federal Credit Union a safe place to deposit money?Yes, East County Schools Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3900113402011%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does East County Schools Federal Credit Union operate?East County Schools Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join East County Schools Federal Credit Union?Yes, to access services at East County Schools Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, East County Schools Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, East County Schools Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does East County Schools Federal Credit Union offer online and mobile banking?Most modern institutions like East County Schools Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.eastcountyschools.org. Current East County Schools Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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