A Smarter Way to Pay, Every Day

Experience the Escondido Federal Credit Union difference with our member-focused MasterCard credit card. Enjoy no hidden fees, competitive rates, and worldwide acceptance while benefiting from exceptional security features and member service.

At Escondido Federal Credit Union, our MasterCard credit card exemplifies our commitment to member value. With no hidden fees, no annual fee, a low interest rate, and worldwide acceptance, our credit card is designed to support your financial journey while providing the flexibility and security you need for everyday purchases and special occasions.

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Enhanced Security

Your financial security is our top priority. Our MasterCard comes with Zero Liability Protection, fraud monitoring, and chip technology to help protect against unauthorized transactions and fraud.

Member-Focused Value

As a member-owned credit union, we return profits to you through lower fees and competitive rates. Enjoy a credit card with no annual fee, no hidden charges, and interest rates typically lower than those offered by big banks.

Worldwide Acceptance

Use your EFCU MasterCard with confidence virtually anywhere in the world. Whether you're shopping locally, traveling internationally, or making online purchases, your card is accepted at millions of locations worldwide that display the MasterCard logo.

Digital Convenience

Manage your credit card account seamlessly through our secure online banking platform. View transactions, make payments, check your balance, and set up alerts—all from your computer or mobile device.

Travel Tip: Planning to travel? Contact the Credit Union at least one week prior to departure to inform us of your travel dates and major city destinations to ensure uninterrupted access to your funds.