SAVE & SPEND

Checking
Checking accounts with convenient services.

Savings
Simple savings solutions to help you reach your goals.

Debit Card
Discover the convenience of a MasterCard Debit Card.

Savings Rates
View current savings and deposit rates.

Smart Money
Build your future

Discover accounts designed to help your money grow while keeping it accessible.

Open Account Rates
BORROW

Low Rates
Need financing?

Apply online and get a quick decision on your new or used vehicle loan application.

Apply Now Loan Rates

Loan Options

Auto Loans

New and used vehicle financing

Credit Cards

Low rates and no annual fees

RV & Boat Loans

Finance your RV

Home Equity Loans

Use your home's equity

Personal Loans

Flexible financing options
CONNECT

Online Banking

Manage your accounts 24/7

Mobile Banking

Banking on the go

Bill Pay

Pay bills online

E-Statements

Paperless account statements

Applications & Forms

Apply for products & services

Member Services

Benefits of Membership

Member Resources

Tools & Financial Education

Wire Transfers

Send and receive funds

ATM Locations

Access your accounts at over 30,000 surcharge-free ATMs nationwide through the Co-Op Network.

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ABOUT
Our Story

Learn about our history and mission

Community Impact

How we're making a difference

Membership

Join our credit union family

Newsletters

Latest news and events at EFCU

Membership Eligibility

EFCU membership is available to:

Current and retired employees, volunteers, and elected/appointed officials of the City of Escondido

Employees and volunteers of the California Center for the Arts, Escondido

COMPACT

Family members of existing members
Member Benefits
Like a Bank, but Better

As a not-for-profit financial cooperative, we return profits to our members through:

Higher savings rates

Lower loan rates

Fewer & lower fees

Personalized service

Become a Member

Digital Banking

Manage your account.

User ID

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Password

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Forgot Password?

To register for online banking, please e-mail us, call, or visit a branch to get started.

Routing Number: 322275526

Mobile Apps

Download on the Apple App Store

Get it on Google Play

Site Map

See all of the Products and Services EFCU has to offer.

Become a Member

Site Map

ABOUT US

ACCOUNT SERVICES

APPLICATIONS & FORMS

Applications & Forms

CONTACT US

LOAN SERVICES

MEMBERSHIP

Membership

MEMBER RESOURCES

Member Resources

NEWS & INFORMATION

ONLINE SERVICES

RATES