For the things in life that matter . . .

Escondido Federal Credit Union provides savings and loan products to help achieve your goals throughout life. When you become a shareholder-member at EFCU, you instantly become eligible for all the benefits the Credit Union has to offer. Unlike banks, our profits are returned to members in the form of lower fees, higher dividends and lower loan rates—something the big banks just cannot offer. Excellent service is the hallmark of an excellent credit union. At Escondido Federal Credit Union, you'll find excellent service as well as low fees, low loan rates, and high dividend rates. We are dedicated to serving our members through prompt and friendly service.

Mission Statement

Escondido Federal Credit Union is dedicated to providing competitive, quality financial products and services in a superior professional and caring way, while maintaining financial strength and security.

Membership – Who can join?

Membership to Escondido Federal Credit Union is available to:

• Employees of, retired employees of, volunteers for, and elected and appointed officials of the City of Escondido.
• Employees of and volunteers for the California Center for the Arts, Escondido.
• Family members of each employee/volunteer group.
• Organizations of and for the membership.

Holidays

Our branches and administrative offices are closed for the following Holidays:

New Year's Day	January 1, 2010
Martin Luther King, Jr. Day	January 18, 2010
President's Day	February 15, 2010
Memorial Day	May 31, 2010
Independence Day	July 4, 2010 (observed July 5)
Labor Day	September 6, 2010
Columbus Day	October 11, 2010
Veterans' Day	November 11, 2010
Thanksgiving Day	November 25, 2010
Day After Thanksgiving	November 26, 2010
Christmas	December 23, 2010 (City Hall office Closed, East Valley office Open)
Christmas Eve	December 24, 2010 (City Hall and East Valley offices Closed)
New Year's Eve	December 31, 2010 (City Hall and East Valley offices Closed)

Privacy Policy

Escondido Federal Credit Union (EFCU) is committed to providing the highest quality customer service possible. Management understands that an important part of customer service is trust and confidentiality of member’s account information. In accordance with Part 716 of the NCUA Rules and Regulations, EFCU has developed a non opt out policy regarding member non-public personal information. This means that member information will not be given to third party vendors, except for those with whom EFCU contracts with in order to process member requested transactions and services.

To assure the privacy and confidentiality of member’s personal financial information, EFCU observes the following practices and procedures:

• Restricts access to non-public personal member information to employees who have specific business purposes in utilizing this information.
• Teller identification and audit information is maintained on non-public member information maintenance programs.
• Management staff monitors changes or maintenance to member non-public information for accuracy and integrity.
• Management will obtain privacy contracts from third party entities that assist in the processing of non-public member information and transactions.
• Staff is continually trained on the importance of maintaining confidentiality and member privacy.
• Staff is instructed to request identification, either verbal or physical, from members prior to releasing information or completing a transaction.
• Members using electronic methods to transact business on their account will be required to have a card and or pin prior to completion of the transaction.

The CEO is designated as the staff member responsible for:

• Developing and updating the privacy policy, annual disclosures, and internal control systems related to member privacy
• Training staff regarding privacy compliance
• Distribution of annual notices (Privacy Disclosure Notice)
• Monitoring physical security for possible breaches

Members will be informed annually in July of the information collected by the credit union, how the credit union protects their information, and the methods members can use to help protect their privacy. New members will be provided a copy of the policy in their new member packet. Copies of the policy will be available at member’s request.