Make Your Money Work Harder
Discover savings solutions with better rates and fewer fees than big banks
The Credit Union Difference
At Escondido FCU, our profits go back to you – not shareholders. That means better rates, lower fees, and a financial partner that actually cares about your success.
Higher Dividends
Daily calculations, monthly payments for better APY
NCUA Insured
Your savings federally insured up to $250,000
Member-Owned
Your success is our success – literally!
Find Your Perfect Savings Solution
Regular Savings
Your foundation for financial success with competitive rates, low minimums, and easy access to your money whenever you need it.
- Low $25 minimum balance
- No monthly service fees
- Unlimited deposits & withdrawals
Money Market
Enjoy higher yields than regular savings while maintaining flexible access to your funds – the perfect middle ground.
- Tiered rates for higher balances
- Easy access to your funds
- Higher earning potential
Certificates
Lock in our highest rates with term certificates that help your savings grow faster with guaranteed returns.
- Our highest dividend rates
- Terms from 6 to 36 months
- Just $1,000 minimum
IRA Accounts
Prepare for your future with tax-advantaged retirement accounts that help you build your nest egg while potentially reducing your tax burden.
- Traditional, Roth, and SEP options
- Tax advantages for retirement
- Competitive dividend rates
Club Accounts
Save for specific goals like holidays, vacations, or special occasions with dedicated accounts that make budgeting a breeze.
- Holiday, vacation, and custom clubs
- Automatic transfers from checking
- Higher dividend rates than regular savings
What Makes Our Savings Special
Unlike big banks, your money works harder at our credit union. All our savings accounts offer:
Daily Dividend Calculations
Your money starts earning from day one, with dividends calculated daily and paid monthly.
Tiered Rate Structure
The more you save, the more you earn with our tiered rate structure on many accounts.
24/7 Digital Access
Manage your savings anytime, anywhere with our secure online and mobile banking.
Ready to Start Saving?
Open an account today and experience the credit union difference for yourself. Our team is ready to help you choose the perfect savings solution for your goals.
Common Questions About Savings
The best account depends on your goals and how you'll use the funds. For emergency savings and regular access, consider our Share Savings or Money Market accounts. For long-term savings with higher returns, Certificates are ideal. For retirement planning, explore our IRA options. And for specific goals like holidays or vacations, our Club accounts make budgeting easy.
Absolutely! Many members maintain multiple accounts for different purposes. This helps organize your finances and save for specific goals. You can have a Regular Savings for emergencies, a Certificate for long-term growth, and a Club account for holidays – all at the same time.
Yes! All deposits at Escondido FCU are federally insured by the National Credit Union Administration (NCUA) up to $250,000 per account holder. This insurance works similarly to FDIC insurance at banks, providing you with peace of mind that your savings are protected.