Employees Choice Credit Union
Verified rate book
Current Employees Choice Credit Union rates
14 published offers verified as of July 30, 2026.
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New & Used RV/Boatrv_any_84mo | 7.490% APR | 7.490% | 84 mo · any | Standard |
| Classic Vehicleauto_any_84mo | 7.490% APR | 7.490% | 84 mo | Standard |
| New & Used Recreation Sports Vehicleauto_any_84mo | 8.490% APR | 8.490% | 84 mo · any | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share-Secured Loanpersonal_secured | 4.000% APR | 4.000% | — | Standard |
| Signature Loanpersonal_unsecured | 12.000% APR | 12.000% | — | Standard |
| Overdraft Line of Creditpersonal | 18.000% APR | 18.000% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Secured Credit Cardcredit_card_secured | 14.000% APR | 14.000% | — | Standard |
Savings & CD rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Draft Accountsavings | 0.05% APY | 0.05% | — | Standard |
| Regular/Secondary Share Accountshare_savings | 0.05% APY | 0.05% | — | Standard |
| IRAira | 0.10% APY | 0.10% | — | Standard |
| Holiday Club Accountsavings | 0.45% APY | 0.45% | — | Standard |
| 3-Month Certificatecd_3mo | 1.76% APY | 1.75% | 3 mo | Standard |
| 6-Month Certificatecd_6mo | 2.28% APY | 2.25% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 3.30% APY | 3.25% | 12 mo | Standard |
Vehicle loans available from 7.49% APR for 84 months. Personal loan rates from 4% APR. Credit card rates from 14% APR. Savings and certificate yields up to 3.30% APY.
Source: RateAPI.dev, verified from Employees Choice Credit Union's official website
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About Employees Choice Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 1.1K
- Assets
- $23M
- Founded
- 1960
- Locations reported
- 2
- NCUA charter
- 13526
- Charter type
- Federal credit union
Services and member support
- Online loan application
- Electronic statements
- Mobile check deposit
- Financial counseling
- Payday Alternative Loans I
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Employees Choice Credit Union
Membership eligibility from Employees Choice Credit Union's own published criteria. How we verify this.
Membership via employers (City of El Cajon +7 more)
- EmployerCity of El Cajon, City of La Mesa, Helix Water District, County of San Diego, State of California, Roger S. Gordon & Co., CPA, Pfuhl & Knight Accountancy Corporation, The Goods Insurance Agency
Cost to join: About $25.
Verified from Employees Choice Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Employees Choice Credit Union?
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Frequently Asked Questions
What rates does Employees Choice Credit Union offer?
Employees Choice Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified July 30, 2026 directly from the credit union's official website.
How often are Employees Choice Credit Union rates updated?
RateAPI verifies Employees Choice Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 30, 2026.
Where does RateAPI get Employees Choice Credit Union's rate data?
Rate data is collected directly from Employees Choice Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Employees Choice Credit Union's auto & rv loan rates?
As of July 30, 2026, Employees Choice Credit Union offers vehicle loans from 7.49% APR.
What is Employees Choice Credit Union's personal loan rate?
As of July 30, 2026, Employees Choice Credit Union offers personal loans from 4% APR.
What is Employees Choice Credit Union's best CD rate?
As of July 30, 2026, Employees Choice Credit Union offers savings and certificate (CD) yields up to 3.30% APY.
Related Rate Data
Compare Employees Choice Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Employees Choice Credit Union rates
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# Get rates for Employees Choice Credit Union
curl "https://api.rateapi.dev/credit-unions/california/employees-choice" \
-H "Authorization: Bearer YOUR_API_KEY"