East County Schools Federal Credit Union
Headquarters
1069 Graves Ave Ste 100
El Cajon, CA 92021
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2024 Overview
General Credit Union Information
East County Schools is an NCUA insured institution located in El Cajon, CA. It was founded in 1956 and has approximately $152.15 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 11099 |
| Date Established | 1956 |
| Assets | $152.15 million |
| Loans | $81.86 million |
| Deposits | $135.55 million |
| Capital | $12.70 million |
Field of Membership Restrictions
Membership in East County Schools Federal Credit Union is open to employees who work in the East County educational community.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.11% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.45% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.45% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.01% | $1 | $99 | Learn More |
| Int Ckg
|
0.01% | $2,500 | $3,499 | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for East County Schools
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
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More Info |
Note to East County Schools
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are East County Schools branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
East County Schools Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1866.57 | A | View Lobby Hours | |
| 1870.37 | B | View Lobby Hours |
Climate Policy and Initiatives
EAST COUNTY SCHOOLS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
East County Schools Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of East County Schools. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| East County Schools | U.S. Average |
|---|---|
| 0.44% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, East County Schools had $57,393 in non-current loans and $0 in owned assets. To cover these potential losses it had $12,699,114 in net worth and $215,029 in loans loss reserves. That gives it a Texas Ratio of 0.44%.
Net Worth
| East County Schools | U.S. Average |
|---|---|
| 8.35% | 13.93% |
East County Schools FCU has a net worth of 8.35% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for East County Schools
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