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23 <div class="skip-nav"> <a id="skipNav" href="#mainContent">Skip to main content</a> </div> <header> <div class="row"> <div class="header-right"> <div class="header-right-upper"> <div class="header-buttons"> 24 25<div > 26 <div ><ul><li><a href="https://eastcountyschools.myori.com/app/oao/membership" data-sf-marked="" data-sf-ec-immutable="">Open An Account</a> 27 </li><li><a href="https://eastcountyschools.myori.com/app/ola/ola-consumer-loan-type" data-sf-marked="" data-sf-ec-immutable="">Apply For A Loan</a> 28 </li></ul></div> 29 30</div> 31 </div> <div class="header-search"> 32 33 34 35<div class="form-inline"> 36 <input type="search" title="Search input" placeholder="Search" id="be81b106-93fd-4951-9653-444fc9a1e97f" class="form-control" value=""/> 37 <button type="button" class="btn btn-primary" id="fffe1dd5-9cca-42a0-be24-d96e6de5ce79"><span class="glass"></span><span class="text">Go!</span></button> 38 39 <input type="hidden" data-sf-role="resultsUrl" value="/search-results" /> 40 <input type="hidden" data-sf-role="indexCatalogue" value="full-site" /> 41 <input type="hidden" data-sf-role="wordsMode" value="AllWords" /> 42 <input type="hidden" data-sf-role="disableSuggestions" value='true' /> 43 <input type="hidden" data-sf-role="minSuggestionLength" value="3" /> 44 <input type="hidden" data-sf-role="suggestionFields" value="Title,Content" /> 45 <input type="hidden" data-sf-role="language" value="en" /> 46 <input type="hidden" data-sf-role="suggestionsRoute" value="/restapi/search/suggestions" /> 47 <input type="hidden" data-sf-role="searchTextBoxId" value='#be81b106-93fd-4951-9653-444fc9a1e97f' /> 48 <input type="hidden" data-sf-role="searchButtonId" value='#fffe1dd5-9cca-42a0-be24-d96e6de5ce79' /> 49</div> 50 51 52 53 54 55 56 </div> </div> <div class="header-right-lower"> <div class="logo"> 57 58<div > 59 <div ><a href="/"><img alt="East County Schools Federal Credit Union" data-displaymode="Original" src="/images/default-source/logos/logo.svg?sfvrsn=eb12a1ce_2" title="East County Schools Federal Credit Union Logo"></a></div> 60 61</div> </div> <div class="navigation"> 62 63<div class="topnav"> 64 <nav role="navigation"> 65 <ul> 66 <li class="top-level nav-Save"> 67 <a href="#" data-toggle="dropdown" class="dropdown-toggle">Save 68 <span class="caret"></span> 69 </a> 70 <ul class="dropdown-menu"> 71 <li class="dropdown-submenu"> 72 <a href="/accounts/checking" target="_self">Checking 73 <span class="right-caret"></span> 74 </a> 75 <ul class="dropdown-menu"> 76 <li class=""> 77 <a href="/accounts/checking/checking-accounts" target="_self">Checking Accounts</a> 78 </li> 79 <li class=""> 80 <a href="/accounts/checking/fresh-start-checking" target="_self">Fresh Start Checking</a> 81 </li> 82 <li class=""> 83 <a href="/accounts/checking/teen-checking" target="_self">Teen Checking</a> 84 </li> 85 86 </ul> 87 </li> 88 <li class="dropdown-submenu"> 89 <a href="/accounts/savings" target="_self">Savings 90 <span class="right-caret"></span> 91 </a> 92 <ul class="dropdown-menu"> 93 <li class=""> 94 <a href="/accounts/savings/primary-share-savings" target="_self">Primary Share Savings</a> 95 </li> 96 <li class=""> 97 <a href="/accounts/savings/summer-savings" target="_self">Summer Savings</a> 98 </li> 99 <li class=""> 100 <a href="/accounts/savings/individual-retirement-accounts" target="_self">Individual Retirement Accounts</a> 101 </li> 102 <li class=""> 103 <a href="/accounts/savings/individual-retirement-account" target="_self">Money Market Shares</a> 104 </li> 105 <li class=""> 106 <a href="/accounts/savings/share-certificates" target="_self">Certificate (CD) Shares</a> 107 </li> 108 <li class=""> 109 <a href="/accounts/savings/coverdell-education-savings" target="_self">Coverdell Education Savings</a> 110 </li> 111 <li class=""> 112 <a href="/accounts/savings/trust-accounts" target="_self">Trust Accounts</a> 113 </li> 114 <li class=""> 115 <a href="/accounts/savings/meet-our-lpl-advisor" target="_self">Financial Planning</a> 116 </li> 117 118 </ul> 119 </li> 120 <li class="dropdown-submenu"> 121 <a href="/accounts/insurance" target="_self">Insurance
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330 <span class="caret"></span> 331 </a> 332 <ul class="dropdown-menu"> 333 <li class="dropdown-submenu"> 334 <a href="/learn/education" target="_self">Education 335 <span class="right-caret"></span> 336 </a> 337 <ul class="dropdown-menu"> 338 <li class=""> 339 <a href="/learn/education/credit-union-vs-banks" target="_self">Credit Union Vs. Banks</a> 340 </li> 341 <li class=""> 342 <a href="/learn/education/events" target="_self">Seminars, Webinars & More</a> 343 </li> 344 <li class="active"> 345 <a href="/learn/education/blog" target="_self">Blog</a> 346 </li> 347 <li class=""> 348 <a href="/learn/education/videos" target="_self">Videos</a> 349 </li> 350 <li class=""> 351 <a href="/learn/education/zogo" target="_self">Zogo Financial Literacy</a> 352 </li> 353 <li class=""> 354 <a href="/learn/education/free-credit-report" target="_self">Free Credit Report</a> 355 </li> 356 357 </ul> 358 </li> 359 <li class="dropdown-submenu"> 360 <a href="/learn/about" target="_self">About 361 <span class="right-caret"></span> 362 </a> 363 <ul class="dropdown-menu"> 364 <li class=""> 365 <a href="/learn/about/about-us" target="_self">About Us</a> 366 </li> 367 <li class=""> 368 <a href="/learn/about/atm-shared-branch-locator" target="_self">ATM/Shared Branch Locator</a> 369 </li> 370 <li class=""> 371 <a href="/learn/about/newsletter" target="_self">Newsletter</a> 372 </li> 373 <li class=""> 374 <a href="/learn/about/who-can-join" target="_self">Who Can Join?</a> 375 </li> 376 <li class=""> 377 <a href="/learn/about/annual-meeting-and-board-of-directors-vote" target="_self">Board of Directors Election Process</a> 378 </li> 379 380 </ul> 381 </li> 382 <li class="dropdown-submenu"> 383 <a href="/learn/disclosures" target="_self">Forms, Disclosures & Brochures 384 <span class="right-caret"></span> 385 </a> 386 <ul class="dropdown-menu"> 387 <li class=""> 388 <a href="/learn/disclosures/forms" target="_self">Forms, Disclosures & Brochures</a> 389 </li> 390 <li class=""> 391 <a href="/learn/disclosures/fee-schedule" target="_self">Fee Schedule</a> 392 </li> 393 <li class=""> 394 <a href="/learn/disclosures/privacy-policy" target="_self">Privacy Policy</a> 395 </li> 396 <li class=""> 397 <a href="/learn/disclosures/usa-patriot-act" target="_self">USA Patriot Act</a> 398 </li> 399 <li class=""> 400 <a href="/learn/disclosures/holiday-schedule" target="_self">Holiday Schedule</a> 401 </li> 402 403 </ul> 404 </li> 405 406 </ul> 407 </li> 408 </ul> 409 </nav> 410</div> 411 412 413 414 415 416 417 </div> <div class="cta"> 418 419<div > 420 <div ><a href="https://ecsfcu-cloud.lending360.com/AccountOpening/Application?continueApp=False&membershipId=144&key=dAvECFMasug%3D#/thingsyouneed">Open An Account</a> | <a href="https://internetloanapplication.cudl.com/eastcounty/">Apply For A Loan</a><br></div> 421 422</div> </div> </div> </div> <div class="obl"> <h1>Online Banking</h1> 423 424<iframe src="/includes/online-banking/index2021.html" scrolling="no" frameborder="0"></iframe> 425 426<div > 427 <div ><a href="https://ecsfcu-cloud.lending360.com/AccountOpening/Application?continueApp=False&membershipId=144&key=dAvECFMasug%3D#/thingsyouneed">Open An Account</a> |
427 <a href="https://internetloanapplication.cudl.com/eastcounty/">Apply For A Loan</a><br></div> 428 429</div> </div> </div> <div class="header-buttons-lower"> 430 431<div > 432 <div ><ul><li><a href="https://eastcountyschools.myori.com/app/oao/membership" data-sf-marked="" data-sf-ec-immutable="">Open An Account</a> 433 </li><li><a href="https://eastcountyschools.myori.com/app/ola/ola-consumer-loan-type" data-sf-marked="" data-sf-ec-immutable="">Apply For A Loan</a> 434 </li></ul></div> 435 436</div></div> </header> <section class="inside-banner"> 437 438 439 <img loading="lazy" src="/images/default-source/header-images/about.jpg?sfvrsn=462944aa_2" title="About" 440 441 /> 442 </section> <section class="inside-content" id="mainContent"> <div class="row"> <div class="page-title"> 443 444<div > 445 <div ><h1>Blog</h1></div> 446 447</div> </div> <div class="quicklinks"> 448 </div> <div class="content"> 449 450 451 452<div> 453 <ul class="list-unstyled blog-posts"> 454 455 <li > 456 <a href="https://www.eastcountyschools.org/learn/education/blog/financial-education/2026/01/17/build-financial-confidence-with-free-interactive-games"> 457 <img alt="How Money Smart Are You" src="https://www.eastcountyschools.org/images/default-source/blog-news-photos/how-money-smart-are-you.png?sfvrsn=1a401605_1" title="How Money Smart Are You"> 458 459 </a> 460 <div class="blog-list-item-content"> 461 <h3> 462 <a href="https://www.eastcountyschools.org/learn/education/blog/financial-education/2026/01/17/build-financial-confidence-with-free-interactive-games">Build Financial Confidence with Free Interactive Games</a> 463 </h3> 464 <div >How Money Smart Are You? is a free suite of 14 interactive games and resources designed to help you feel more confident about everyday money decisions.</div> 465 <a class="blog-post-link" href="https://www.eastcountyschools.org/learn/education/blog/financial-education/2026/01/17/build-financial-confidence-with-free-interactive-games">Learn more <span class="visuallyhidden">about Build Financial Confidence with Free Interactive Games</span></a> 466 </div> 467 </li> 468 <li > 469 <a href="https://www.eastcountyschools.org/learn/education/blog/financial-education/2025/11/07/smart-saving--build-your-safety-net-in-san-diego"> 470 <img alt="Man holding dollar bills for emergency funds" src="https://www.eastcountyschools.org/images/default-source/blog-news-photos/pexels-karola-g-4386431.jpg?sfvrsn=8b43129e_3" title="Smart savings"> 471 472 </a> 473 <div class="blog-list-item-content"> 474 <h3> 475 <a href="https://www.eastcountyschools.org/learn/education/blog/financial-education/2025/11/07/smart-saving--build-your-safety-net-in-san-diego">Smart Saving: Build Your Safety Net in San Diego</a> 476 </h3> 477 <div >Living in San Diegoâs high-cost environment can be challenging, but small, consistent savings can bring peace of mind and financial stability. Start by building an emergency fund, automating your savings, and setting clear goals. Every dollar saved strengthens your safety net and brings you closer to financial confidence.</div> 478 <a class="blog-post-link" href="https://www.eastcountyschools.org/learn/education/blog/financial-education/2025/11/07/smart-saving--build-your-safety-net-in-san-diego">Learn more <span class="visuallyhidden">about Smart Saving: Build Your Safety Net in San Diego</span></a> 479 </div> 480 </li> 481 <li > 482 <a href="https://www.eastcountyschools.org/learn/education/blog/estate-planning/2025/10/27/what-is-the-difference-between-a-will-and-a-trust"> 483 <img alt="Couple sits on couch with consultant to go over estate planning" src="https://www.eastcountyschools.org/images/default-source/blog-news-photos/what-is-a-trust-vs-will.png?sfvrsn=c68512cb_1" title="What is a Trust vs Will"> 484 485 </a> 486 <div class="blog-list-item-content"> 487 <h3> 488 <a href="https://www.eastcountyschools.org/learn/education/blog/estate-planning/2025/10/27/what-is-the-difference-between-a-will-and-a-trust">What is the Difference Between a Will and a Trust?</a> 489 </h3> 490 <div >Learn the key differences between Wills and Trustsâhow each works, when they take effect, and which may best fit your needs. Plus, see how ECSFCU members can save 20% on estate plans with Trust & Will.</div> 491 <a class="blog-post-link" href="https://www.eastcountyschools.org/learn/education/blog/estate-planning/2025/10/27/what-is-the-difference-between-a-will-and-a-trust">Learn more <span class="visuallyhidden">about What is the Difference Between a Will and a Trust?</span></a> 492 </div> 493 </li> 494 <li > 495 <a href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/08/28/top-5-tips-to-avoid-holiday-scams"> 496 <img alt="Man lounging on sofa chair using laptop with Christmas tree behind him, online holiday shopping concept" src="https://www.eastcountyschools.org/images/default-source/blog-news-photos/holiday-shopping.jpg?sfvrsn=521f01da_1" title="Holiday Shopping"> 497 498 </a> 499 <div class="blog-list-item-content"> 500 <h3> 501 <a href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/08/28/top-5-tips-to-avoid-holiday-scams">Top 5 Tips to Avoid Holiday Scams</a> 502 </h3> 503 <div >The holiday season is a favorite time for cybercriminals. From fake shopping sites to phishing emails, scams are everywhere. Stay one step ahead with these 5 simple steps to keep your money and personal information safe.</div> 504 <a class="blog-post-link" href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/08/28/top-5-tips-to-avoid-holiday-scams">Learn more <span class="visuallyhidden">about Top 5 Tips to Avoid Holiday Scams</span></a> 505 </div> 506 </li> 507 <li > 508 <a href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/08/14/stay-one-step-ahead--how-to-outsmart-cybercriminals-with-everyday-habits"> 509 <img alt="Young man using his laptop outside of his house. Practicing smart habits to keep his financial accounts safe." src="https://www.eastcountyschools.org/images/default-source/blog-news-photos/stay-one-step-ahead-how-to-outsmart-cybercriminals-with-everyday-habits.jpg?sfvrsn=eeae5695_1" title="Stay One Step Ahead: How to Outsmart Cybercriminals with Everyday Habits"> 510 511 </a> 512 <div class="blog-list-item-content"> 513 <h3> 514 <a href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/08/14/stay-one-step-ahead--how-to-outsmart-cybercriminals-with-everyday-habits">Stay One Step Ahead: How to Outsmart Cybercriminals with Everyday Habits</a> 515 </h3> 516 <div >Avoid online threats by adopting smart habits like spotting phishing scams, keeping your devices updated, using secure Wi-Fi, and monitoring your accounts regularly. A little caution goes a long way in protecting your personal info.</div> 517 <a class="blog-post-link" href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/08/14/stay-one-step-ahead--how-to-outsmart-cybercriminals-with-everyday-habits">Learn more <span class="visuallyhidden">about Stay One Step Ahead: How to Outsmart Cybercriminals with Everyday Habits</span></a> 518 </div> 519 </li> 520 <li > 521 <a href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/07/14/cybersecurity-starts-with-you--3-smart-ways-to-protect-your-accounts"> 522 <img alt="Photos of an iPhone on the table with a text alert from "My Bank" that says "We've detected unusual activity in your account" to showcase how you can help protect your financial accounts by setting up alerts." src="https://www.eastcountyschools.org/images/default-source/blog-news-photos/3-smart-ways-to-protect-your-credit-union-accounts.jpg?sfvrsn=ffd677c9_1" title="3 Smart Ways to Protect Your Credit Union Accounts"> 523 524 </a> 525 <div class="blog-list-item-content"> 526 <h3> 527 <a href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/07/14/cybersecurity-starts-with-you--3-smart-ways-to-protect-your-accounts">Cybersecurity Starts with You: 3 Smart Ways to Protect Your Accounts</a> 528 </h3> 529 <div >Learn how to strengthen your financial safety with simple steps like creating strong passwords, enabling multi-factor authentication, and setting up account alerts. These quick actions can help you stop fraud before it starts.</div> 530 <a class="blog-post-link" href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/07/14/cybersecurity-starts-with-you--3-smart-ways-to-protect-your-accounts">Learn more <span class="visuallyhidden">about Cybersecurity Starts with You: 3 Smart Ways to Protect Your Accounts</span></a> 531 </div> 532 </li> 533 <li > 534 <a href="https://www.eastcountyschools.org/learn/education/blog/estate-planning/2025/06/23/what-is-estate-planning"> 535 <img alt="estate planning concept on blackboard" src="https://www.eastcountyschools.org/images/default-source/blog-news-photos/what-is-estate-planning.png?sfvrsn=127f43a6_1" title="What is Estate Planning?"> 536 537 </a> 538 <div class="blog-list-item-content"> 539 <h3> 540 <a href="https://www.eastcountyschools.org/learn/education/blog/estate-planning/2025/06/23/what-is-estate-planning">What is Estate Planning?</a> 541 </h3> 542 <div >Estate Planning is simply the process of making it clearly known how you want your estate to be handled after you pass or if youâre incapacitated and unable to handle things on your own.</div> 543 <a class="blog-post-link" href="https://www.eastcountyschools.org/learn/education/blog/estate-planning/2025/06/23/what-is-estate-planning">Learn more <span class="visuallyhidden">about What is Estate Planning?</span></a> 544 </div> 545 </li> 546 <li > 547 <a href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/05/22/summer-cybersecurity-tips-to-keep-your-vacation-safe-and-stress-free"> 548 <img alt="two adult couples walking along the beach" src="https://www.eastcountyschools.org/images/default-source/blog-news-photos/summer-cybersecurity-tips-to-keep-your-vacation-safe-and-stress-free.jpg?sfvrsn=3ccee56c_1" title="Summer Cybersecurity Tips to Keep Your Vacation Safe and Stress-Free"> 549 550 </a> 551 <div class="blog-list-item-content"> 552 <h3> 553 <a href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/05/22/summer-cybersecurity-tips-to-keep-your-vacation-safe-and-stress-free">Summer Cybersecurity Tips to Keep Your Vacation Safe and Stress-Free</a> 554 </h3> 555 <div >Planning a getaway? From avoiding public Wi-Fi to protecting your financial info while traveling, we've got you covered with simple, smart advice.</div> 556 <a class="blog-post-link" href="https://www.eastcountyschools.org/learn/education/blog/fraud-cybersecurity/2025/05/22/summer-cybersecurity-tips-to-keep-your-vacation-safe-and-stress-free">Learn more <span class="visuallyhidden">about Summer Cybersecurity Tips to Keep Your Vacation Safe and Stress-Free</span></a> 557 </div> 558 </li> 559 </ul> 560 561</div> 562 563 564 565 566 567 568 </div> </div> </section> <section class="rates"> <div class="headline"> 569 </div> <div class="row"> <div class="rates-wrap"> 570 </div> <div class="rate-links"> 571 </div> </div> </section> <section class="blog"> <div class="row"> <div> 572 </div> </div> </section> <section class="testimonials"> <div class="headline"> 573 574<div > 575 <div ><h1 style="text-align: center">Members <img src="/images/default-source/icons/heart.svg?sfvrsn=27da5422_0" title="heart icon" style="display: block; margin-left: auto; margin-right: auto" data-displaymode="Original" alt="Love">ECSFCU!</h1></div> 576 577</div> </div> <div class="row"> 578 579<div> 580 <ul> 581 <li class="individual-testimonial"> 582 <div> 583 <div class="img"> 584 <img alt="ECS-logo" src="https://www.eastcountyschools.org/images/default-source/testimonial-photos/ecs-logo.jpg?sfvrsn=5be60e44_2" title="ECS-logo"> 585 </div> 586 <div> 587 <blockquote> 588 The personal service that I received was so unique and easy. 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