Member-Focused Financing for Your Financial Journey

Flexible financial solutions with excellent rates designed to help you achieve your goals and manage both expected and unexpected expenses.

At Escondido Federal Credit Union, we believe in providing members with affordable borrowing options. Our Personal Signature Loans and Lines of Credit feature competitive rates, transparent terms, and personalized service to help you finance life's needs—whether you're planning a vacation, covering home repairs, or protecting your checking account from overdrafts.

Apply Now Loan Rates

Lower Rates

As a member-owned credit union, we offer personal loans with more competitive interest rates than traditional banks, saving you money over the life of your loan.

Personalized Service

Our dedicated team works with you to understand your unique financial needs, ensuring you receive solutions that align with your long-term goals.

Personal Loan Options

Personal Signature Loans

Our personal signature loans provide a lump sum amount with fixed interest rates and predictable monthly payments. Perfect for consolidating debt, financing major purchases, or covering unexpected expenses.

  • Fixed rates based on your credit-worthiness
  • Flexible loan terms
  • No collateral required

Personal Lines of Credit

Our personal lines of credit offer revolving access to funds that you can borrow against as needed. Ideal for ongoing projects, emergency funds, or overdraft protection for your checking account.

  • Variable rates based on your credit-worthiness
  • Borrow only what you need, when you need it
  • Pay interest only on the amount you use

Frequently Asked Questions

Personal loans can be used for nearly any legitimate purpose including debt consolidation, home improvements, medical expenses, education costs, vacations, weddings, and more. They offer flexibility and fixed monthly payments to help you budget effectively.

A personal loan provides a one-time lump sum with fixed payments over a set term. A line of credit is revolving credit that allows you to borrow up to your credit limit as needed, pay it back, and borrow again without reapplying. Lines of credit typically have variable interest rates.

Your interest rate is based on your credit-worthiness, which includes factors like your credit score, income, existing debt, and relationship with the credit union. The better your credit profile, the lower your interest rate will be.

Escondido Federal Credit Union serves employees and volunteers of the City of Escondido. To join, visit our branch with identification, proof of eligibility, and a minimum deposit to open your savings account. Once you're a member, you can apply for any of our loan products.