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 Employees Choice Federal Credit Union Rates & Review November 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.
Read Full Bio →
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 and Verified: October 29, 2026
Employees Choice Federal Credit Union's 12 Month CD rates are at 3.35%, 6 Month CD rates are at 2.33%, 3 Month CD rates are at 1.82%. Employees Choice Federal Credit Union's checking rates are as high as 0.08%. Employees Choice Federal Credit Union's Personal Loan Rates are as low as 12.00%. Employees Choice Federal Credit Union's Credit Card Rates are at 9.90%. Employees Choice Federal Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Employees Choice Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/29/2026. Employees Choice 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 Employees Choice Federal Credit Union? Share your experience about Employees Choice Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Employees Choice Federal Credit Union. Employees Choice Federal Credit Union
Employees Choice Federal Credit Union 266 S Magnolia Ave Ste 101
https://www.employeeschoice.org El Cajon, CA 92020  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Employees Choice Federal Credit Union CD Rates
Employees Choice Federal Credit Union Savings Rates
Employees Choice Federal Credit Union Checking Rates
Employees Choice Federal Credit Union Auto Loan Rates
Employees Choice Federal Credit Union RV, Boat and Powersport Loan Rates
Employees Choice Federal Credit Union Credit Card Rates
Employees Choice Federal Credit Union Personal Loan Rates
Financial Health HistoryEmployees Choice Federal Credit Union’s Texas Ratio stayed near 0.03% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Employees Choice 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 Employees Choice 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 Employees Choice Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Employees Choice Federal Credit Union
Website
https://www.employeeschoice.org
Address
266 S Magnolia Ave Ste 101,
El Cajon, CA 92020
Phone
619-579-0941
Fax
619-579-2057
President
Barbara Thompson
CEO
Aletta Bostock
Full-Time Employees
4
Part-Time Employees
1
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
Return on Assets (ROA)
0.4744%
Return on Equity (ROE)
4.2534%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
24,606,993
Total Amount of Shares and Deposits
21,654,431
Total Shares and Deposits < 1 Year
21,637,305
Total Shares and Deposits 1 3 Years
11,807
Total Shares and Deposits > 3 Years
5,319
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,562,034
Total Uninsured Shares and Deposits > $250K (F+J)
2,562,034
Total Insured Shares and Deposits > $250K (item 17 less item K)
19,092,397
Total Interest Expense (Sum of items 6 8)
62,743
Share Certificates
95
Number of Accounts for Share Drafts
733
IRA KEOGH Accounts
9
Number of Accounts for Regular Shares
1,064
All other shares
480
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,188,226
Total Liabilities
21,902,508
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Employees Choice Federal Credit Union
Frequently Asked Questions About Employees Choice Federal Credit UnionDoes Employees Choice Federal Credit Union offer CDs?Yes. Employees Choice Federal Credit Union current CD rates include its 12 Month CD at 3.35% APY, its 6 Month CD at 2.33% APY and its 3 Month CD at 1.82% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Employees Choice Federal Credit Union NCUA insured?Yes. Employees Choice Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Employees Choice Federal Credit Union?The highest Employees Choice Federal Credit Union CD rate is its 12 Month CD at 3.35% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Employees Choice Federal Credit Union offer?Employees Choice Federal Credit Union CD rates are 1.82% APY for a 3 month CD, 2.33% APY for a 6 month CD and 3.35% APY for a 12 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Employees Choice Federal Credit Union for its full lineup. What is the lowest auto loan rate at Employees Choice Federal Credit Union?The lowest Employees Choice Federal Credit Union auto loan rate is its New & Used Vehicle Loan at 4.38% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Employees Choice Federal Credit Union?The lowest Employees Choice Federal Credit Union personal loan rate is its Signature Loan at 12.00% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Employees Choice Federal Credit Union?The lowest Employees Choice Federal Credit Union credit card APR is its Platinum VISA Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Employees Choice Federal Credit Union operate?Employees Choice 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 Employees Choice Federal Credit Union?Yes, to access services at Employees Choice 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, Employees Choice 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, Employees Choice Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Employees Choice Federal Credit Union offer online and mobile banking?Most modern institutions like Employees Choice 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.employeeschoice.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Employees Choice Federal Credit Union rates compare?Employees Choice Federal Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. Employees Choice Federal Credit Union's top rates are its 12 Month CD at 3.35% APY, its Share Draft Accounts at 0.08% APY, its Signature Loan at 12.00% APR and its Platinum VISA Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026. Current Employees Choice Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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