Employees Choice Federal Credit Union
Headquarters
266 S Magnolia Ave Ste 101
El Cajon, CA 92020
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2024 Overview
General Credit Union Information
Employees Choice is an NCUA insured institution located in El Cajon, CA. It was founded in 1960 and has approximately $22.57 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 13526 |
| Date Established | 1960 |
| Assets | $22.57 million |
| Loans | $10.10 million |
| Deposits | $20.25 million |
| Capital | $2.20 million |
Field of Membership Restrictions
Membership is open to employees of the city of El Cajon, the City of La Mesa, the Helix Water District, San Diego County working in La Mesa, California state working or headquartered in La Mesa, Roger S. Gordon & Co., CPA, The Goods Insurance Agency, Pfuhl & Knight Accountancy Corporation.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Employees Choice
We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.
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Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Employees Choice
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.710% | 6.625% | 0.88 | $2,806 | $2,049 | Learn More |
NMLS ID: 2059741 |
7.018% | 6.875% | 0.88 | $4,672 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Employees Choice
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Employees Choice branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
EMPLOYEES CHOICE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Employees Choice Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Employees Choice. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Employees Choice | U.S. Average |
|---|---|
| 0.14% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Employees Choice had $3,144 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,201,999 in net worth and $62,781 in loans loss reserves. That gives it a Texas Ratio of 0.14%.
Net Worth
| Employees Choice | U.S. Average |
|---|---|
| 9.76% | 13.62% |
Employees Choice FCU has a net worth of 9.76% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Employees Choice
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