Savings & Checking Vehicles Motorcycles RVs Home Equity Signature Credit Cards

LOAN RATES

Rates effective

* APR = Annual Percentage Rate

Auto Loans1,2

Fixed Rates shown below include the "Auto Pay" 0.25% discount which requires a direct deposit minimum of the payment amount with automatic transfer payments OR City of Escondido payroll deduction payments.

Term Rates as Low As1
36 Months 4.44%
48 Months 4.69%
60 Months 4.69%
72 Months 4.99%
84 Months 5.94%
96 Months 7.94%
Variable Rate-starting** 4.90%

Ask about our GAP and MBI Warranty Insurance

Motorcycle Loans (street)1,2

Term Rates as Low As1
24 Months 6.69%
36 Months 6.69%
48 Months                          6.94%
60 Months 6.94%

Recreational Loans1,2,3,4

Term Rates as Low As1
1-84 Months* 7.24%
85-120 Months* 7.74%
121 to 180 Months* 8.74%
Variable Rate-starting** 6.60%

*Minimum $25,000 loan

**Rate changes quarterly based on changes in 26 week Treasury bills plus a fixed margin. 4% floor. Payment is fixed at funding. Changes in rate determine the actual term of the loan.

Home Equity Lines5,7,2

Term Rates as Low As
Starting Rate 7.35%
Minimum Rate 7.35%
Maximum Rate 18.00%

Product Details

  • Variable Rate Line of Credit Secured by a Home
  • Current Index: 26 week T-Bills at 4.10% (7/1/25)
  • Lowest Available Margin: 3.25%
  • Rate Adjustments: Quarterly, based on 6 month T-Bills
  • Maximum Loan to Value: up to 80%
  • Draw/Repayment Periods: 10/5 years
  • Total Loan Term: 15 years
  • Monthly Payment: 1.25%/2.5% of balance
  • Estimated Origination Costs7: up to $650

Home Equity Loans6,7,2

Term Rates as Low As
84 Months 6.85%
120 Months 7.39%
180 Months 7.59%

Product Details

  • Fully amortized loans secured by your home
  • Maximum Loan to Value: up to 80%
  • Estimated Origination Costs7: up to $650

Signature Loans8

Term Rates as Low As
12 Months 10.70%
24 Months 11.70%
36 Months 12.70%
48 Months 13.70%
60 Months 14.70%
Over 60 months 15.70%

Line of Credit9

Credit Terms
Type of Rate FLOATING
Rate Adjustment QUARTERLY
Index 26 week Treasuries
Current Index 4.10% (07/01/25)
Margin 5.5%-15.5%
Minimum Rate 9.60%
Maximum Rate 18.00%
Payment Higher of $25 or 2.5% of bal.

MasterCard10

Credit Terms
Type of Rate FLOATING
Rate Adjustment MONTHLY
Index 26 week Treasuries
Current Index 3.70% (10/01/25)
Margin 5.5%-15.5%
Minimum Rate 9.20%
Maximum Rate 18.00%
Payment Higher of $10 or 2.5% of bal.

Dividend Rates

DIVIDEND RATES

Rates effective

* APY = Annual Percentage Yield

All rates are anticipated and variable, unless otherwise stated, and may be adjusted without prior notice. Certificate accounts with a specific term earn the opening APY until the end of the term, unless otherwise specified. All certificate APYs stated assume the dividends earned on the certificate balance remain in the account until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Early withdrawal fees applicable on early certificate termination.

Regular & Sub-Share Accounts

Balance Dividend Rate APY*
$50.01 to $5,000.00 0.05% 0.050%
$5,000.01 to $25,000.00 0.07% 0.070%
$25,000.01 and up 0.09% 0.090%

Minimum $25 (Regular) and $1 (Sub-Share) to open and avoid fees. Minimum $50 to earn stated APY.

Holiday Club Accounts

Balance Dividend Rate APY*
$50.01 to $5,000.00 0.05% 0.050%
$5,000.01 to $25,000.00 0.07% 0.070%
$25,000.01 and up 0.09% 0.090%

Minimum $1 to open and avoid fees. Minimum $50 to earn stated APY.

Checking Accounts (Share Draft)

Balance Dividend Rate APY*
$2,500.00 and up 0.02% 0.020%

Minimum $50 to open. No minimum to avoid fees. Minimum $2,500 to earn stated APY.

Money Market Accounts

Balance Dividend Rate APY*
$2,500.00 to $10,000.00 0.25% 0.250%
$10,000.01 to $25,000.00 0.75% 0.750%
$25,000.01 and up 1.00% 1.000%

Minimum $2,500 to open and avoid fees. Minimum $2,500 to earn stated APY.

Retirement IRA Share Accounts

Balance Dividend Rate APY*
$100.00 and up 1.98% 2.000%

Minimum $1 to open and avoid fees. Minimum $100 to earn stated APY.

Share Certificates

6 to 11 Month Share Certificates

Balance Dividend Rate APY*
$1,000.00 to $10,000.00 2.96% 3.000%
$10,000.01 to $25,000.00 2.96% 3.000%
$25,000.01 and up 2.96% 3.000%

Minimum $1,000 to open and earn stated APY. Early withdrawal fees applicable on early termination.

12 to 17 Month Share Certificates

Balance Dividend Rate APY*
$1,000.00 to $10,000.00 3.20% 3.250%
$10,000.01 to $25,000.00 3.20% 3.250%
$25,000.01 and up 3.20% 3.250%

Minimum $1,000 to open and earn stated APY. Early withdrawal fees applicable on early termination.

18 to 24 Month Share Certificates

Balance Dividend Rate APY*
$1,000.00 to $10,000.00 1.15% 1.156%
$10,000.01 to $25,000.00 1.20% 1.207%
$25,000.01 and up 1.35% 1.358%

Minimum $1,000 to open and earn stated APY. Early withdrawal fees applicable on early termination.

36 Month Share Certificates

Balance Dividend Rate APY*
$1,000.00 to $10,000.00 1.20% 1.207%
$10,000.01 to $25,000.00 1.30% 1.308%
$25,000.01 and up 1.40% 1.409%

Minimum $1,000 to open and earn stated APY. Early withdrawal fees applicable on early termination.

Equal Housing Lender

Escondido Federal Credit Union is an Equal Housing Lender

Federally Insured by NCUA

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

* APY = Annual Percentage Yield

* APR = Annual Percentage Rate

* OAC = On Approved Credit

Rates, terms and conditions are subject to change without notice. All loans are subject to credit approval. Contact us for complete details on any of our loan products.

  1. On Approved Credit. Rates shown are for members with the highest credit standing and apply to model year 2022+ vehicles. Actual rates and terms offered will vary by your credit standing, the age, condition and value of the vehicle, and the amount requested.
  2. Full coverage insurance required.
  3. On Approved Credit. Rates shown are for members with the highest credit standing. Actual rates and terms offered will vary by your credit standing, the age, condition and value of the vehicle, and the amount requested. Includes dirt bikes, ATVs, boats, RVs, travel trailers, and recreational trailers.
  4. On boat loans, marine survey may be required.
  5. OAC. Secured by a 1st or 2nd deed of trust on your primary residence. Non primary residences may be eligible at a higher rate and lower loan to value. The Index is six-month Treasury bills. A Margin fixed at approval will be added to the Index to determine your rate. The Margin offered will vary based on your credit standing at loan approval and ranges from 3.25% to 9.5%.
  6. OAC. Secured by a 1st or 2nd deed of trust on your primary residence. Non primary residences may be eligible at a higher rate and lower loan to value. Rates shown are for members with the highest credit standing.
  7. Estimated origination costs includes recording fees, application fee, credit report fee, documentation fee, valuation review fee, and flood certification, and Mobile Notary/Appraisal when applicable. An appraisal may be required.
  8. On Approved Credit. Rates shown are for members with the highest credit standing. Actual rates and terms offered will vary by your credit standing.
  9. On Approved Credit. Lowest margin shown is for members with the highest credit standing. Payments are due monthly. Monthly payments are the higher of $25 or 2.5% of the balance as of the date of the last previous advance.
  10. On Approved Credit. Lowest margin shown is for members with the highest credit standing. Payments are due monthly at least 25 days after your billing cycle ends. No interest charge if you pay your entire balance off by the payment due date. No foreign transaction fees.