Break Free from the Bank

Join our member-owned financial cooperative and experience the credit union difference with personalized service and competitive rates.

Escondido Federal Credit Union was founded to serve the employees of the City of Escondido, and we continue that tradition today while expanding our field of membership. As a member-owned, not-for-profit financial cooperative, we're dedicated to providing exceptional financial services with the personalized attention you deserve.

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Who's Eligible?
  • 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 EFCU members

How to Join

Becoming a member is easy! Your membership begins with opening a Share Savings account with a minimum deposit of $25.

Once your account is established, you gain access to our full range of financial products and services.

To apply for membership, please visit your nearest branch or call us at (760) 839-4606.

Find a Branch Call Us: (760) 839-4606

Membership Benefits

When you join Escondido Federal Credit Union, you become more than a customer – you become a member-owner of a financial cooperative that puts your interests first.

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Membership Benefits
  • Lower loan rates
  • Higher savings yields
  • Personalized service

Three Easy Steps to Switch Your Account to EFCU

  • 1

    Join EFCU

    Stop into your nearest branch or call us at (760) 839-4606.

  • 2

    Transfer Your Funds

    Inform companies and institutions linked to your accounts about your new account details.

  • 3

    Close Old Accounts

    Once completed, you're all set! Make the switch today.