Credit union · NCUA insured
Employees Choice FCU
A $23M credit union headquartered in El Cajon, CA, with 1,068 members and 2 branches in California. Best rates: CDs 3.35% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website.
- CDs—3.35%CD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Employees Choice FCU
Formed in 1960 as El Cajon Municipal Employees Federal Credit Union, Employees Choice Federal Credit Union later merged with LMCC Employees Federal Credit Union in 2015.
The credit union adopted its current name in 2016 and operates branch locations in El Cajon and La Mesa.
- Headquarters
- 266 S Magnolia Ave Ste 101, El Cajon, CA 92020
- NCUA charter
- 13526
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Select Employee Groups (Roger S. Gordon & Co., CPA, Pfuhl & Knight Accountancy Corporation, and The Goods Insurance Agency) are eligible for membership.
Military, government and schools
- County of San Diego employees who work in La Mesa, CA are eligible for membership.
- Employees and retirees of the City of El Cajon, the City of La Mesa, or the Helix Water District are eligible for membership.
- State of California employees who work or have headquarters in La Mesa, CA are eligible for membership.
Family and household
- Immediate family members of an employee or retiree of the City of El Cajon, City of La Mesa, or Helix Water District are eligible for membership.
- Immediate family members of employees of Select Employee Groups (Roger S. Gordon & Co., CPA, Pfuhl & Knight Accountancy Corporation, and The Goods Insurance Agency) are eligible for membership.
Cost to join
- A minimum savings deposit of $25.00 is required to open an account and maintain membership.
Branches
2 branches in California
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California
2 branches
- Employees Choice Federal Credit UnionMain office266 S Magnolia Ave Ste 101, El Cajon, CA 92020Directions
- La Mesa Branch7839 University Ave Ste 101, La Mesa, CA 91942Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.15% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.97% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $42 | $59 | — |
- CapitalNet worth ratio11.15%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$42Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Employees Choice FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.