Credit union · NCUA insured
East County Schools Federal Credit Union Savings Rates
East County Schools Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Platinum Access Market Share Account. Rates checked October 16, 2026.
How East County Schools Federal Credit Union’s savings rates compare
Compared with banks and credit unions near San Diego, CA, where East County Schools Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
East County Schools Federal Credit Union
0.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $20
Platinum Access Market Share Account
Top rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
East County Schools Federal Credit Union savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where East County Schools Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Summer Savings Account
4.00%APY
Designed for 9, 10, and 11-month school employees, but open to every ECS member with a direct deposit paycheck. Requires an existing ECS Primary Share Account and eStatements. Deposits via payroll direct deposit only (up to $2,500/month). No outside transfers, no ATM access. Balance transferred out each July; early fee-free/penalty-free withdrawals in-branch at El Cajon branch only.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires payroll direct deposit (monthly max $2,500). 4.00% APY rate subject to change each July 1st.Any balance | 4.00% | $400 | Requires payroll direct deposit (monthly max $2,500). 4.00% APY rate subject to change each July 1st. |
Sources (1)
- eastcountyschools.org/accounts/savings/summer-savings · captured Sep 16, 2026
Platinum Access Market Share Account
0.20%APY
Minimum balance to open is $2,500. Minimum withdrawal amount is $300. Unlimited in-branch withdrawals or transfers. No monthly fees. Check access up to 6 per month with free personalized checks. Dividends calculated daily and paid monthly. Can be tied to ATM/Debit Card for ATM access.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Balance tier < $10,000 | 0.00% | — | Balance tier < $10,000 |
| $10,000 – $24,999Balance tier $10,000 to $24,999 | 0.20% | $20 | Balance tier $10,000 to $24,999 |
| $25,000 – $49,999Balance tier $25,000 to $49,999 | 0.35% | — | Balance tier $25,000 to $49,999 |
| $50,000 – $99,999Balance tier $50,000 to $99,999 | 0.45% | — | Balance tier $50,000 to $99,999 |
| $100,000 – $225,000Balance tier $100,000 to $225,000 | 0.50% | — | Balance tier $100,000 to $225,000 |
| $225,000 and upBalance tier >$225,000 | 0.60% | — | Balance tier >$225,000 |
Sources (2)
- eastcountyschools.org/accounts/savings/savings-rates
- eastcountyschools.org/accounts…idual-retirement-account
All captured Oct 6, 2026
Regular Market Share Account
0.15%APY
Minimum balance to open is $1,000. Minimum withdrawal amount is $300. Unlimited in-branch withdrawals. Share savings dividend rate is received if balance falls below $1,000. Dividends calculated daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Balance tier < $1,000 | 0.00% | — | Balance tier < $1,000 |
| $1,000 – $2,499Balance tier $1,000 to $2,499 | 0.00% | — | Balance tier $1,000 to $2,499 |
| $2,500 – $9,999Balance tier $2,500 to $9,999 | 0.05% | — | Balance tier $2,500 to $9,999 |
| $10,000 – $24,999Balance tier $10,000 to $24,999 | 0.15% | $15 | Balance tier $10,000 to $24,999 |
| $25,000 – $49,999Balance tier $25,000 to $49,999 | 0.30% | — | Balance tier $25,000 to $49,999 |
| $50,000 – $99,999Balance tier $50,000 to $99,999 | 0.40% | — | Balance tier $50,000 to $99,999 |
| $100,000 and upBalance tier >$100,000 | 0.50% | — | Balance tier >$100,000 |
Sources (2)
- eastcountyschools.org/accounts/savings/savings-rates
- eastcountyschools.org/accounts…idual-retirement-account
All captured Oct 6, 2026
Primary Share Savings
0.05%APY
Establishing lifetime membership requires opening a share savings account with minimum $5.00 (one share). No monthly fee. Up to 8 different accounts allowed.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Traditional, Roth and Coverdell ESA Share
0.05%APY
Stop by branch to open. No ECS penalties for early withdrawal; IRS penalties may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
- eastcountyschools.org/accounts/savings/savings-rates
- eastcountyschools.org/accounts…dual-retirement-accounts
All captured Sep 16, 2026
Who can join East County Schools Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.