Employees Choice


266 S Magnolia Ave Ste 101
El Cajon, CA 92020
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 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 $19.63 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 13526
Date Established 1960
Assets $19.63 million
Loans $8.84 million
Deposits $17.44 million
Capital $1.96 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 15, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Employees Choice

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Note to Employees Choice
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Advertiser Disclosure

Loan Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828

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:

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Morty, Inc.
NMLS ID: 1429243
2.678% 2.625% 0.25 $1,720 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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0.000 %
$0 Learn More
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Third Federal Savings and Loan
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Bethpage Federal Credit Union
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After Intro: 3.750 %
Intro Period: 12 months
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To upload and update your bank's rates please register. It is free to register and add rates.



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.

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Employees Choice Locations

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
0.20% 5.40

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, 2020, Employees Choice had $3,990 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,963,625 in net worth and $78,293 in loans loss reserves. That gives it a Texas Ratio of 0.20%.

Net Worth
Employees Choice U.S. Average
10% 12.67%

Employees Choice FCU has a net worth of 10% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Employees Choice

Branches and Savings

What is Employees Choice?

A federal credit union, registered with the NCUA under certificate #13526.
Learn more about credit unions here.

Is Employees Choice FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Employees Choice is insured by the NCUA.

Who can join Employees Choice?

Please see Field of Membership information above for information on who is eligible to join.

What are Employees Choice's share account and share certificate rates?

Employees Choice's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Employees Choice?

Employees Choice has total capital of $1.96 million. Full information on Employees Choice's financial position is located above.

Who owns Employees Choice?

Credit Unions are owned by their members.

Where are Employees Choice branches located?

See branch locations nearby.

Are Employees Choice ATMs Open 24/7?

Do Employees Choice ATMs accept cash deposits?

Can Employees Choice customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Employees Choice have a mobile app?

Does Employees Choice have mobile deposit?

Does Employees Choice have quick pay?

How can Employees Choice transfer money to other banks or credit unions?

Does Employees Choice report to credit bureaus?

Does Employees Choice use Chexsystems?

Does Employees Choice use Equifax?

What is Employees Choice's toll free phone number?

What is Employees Choice's ACH Routing Number?

What is Employees Choice's SWIFT code?

Where can I find Employees Choice's wire transfer form?

What is the Employees Choice address for deposits?

What Products Does Employees Choice Offer

Does Employees Choice offer mortgages?

Compare mortgage rates here.

Does Employees Choice offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Employees Choice offer auto and RV loans?

Compare auto loan rates here.

Does Employees Choice offer student loans or personal loans?

Compare personal loan rates here.

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