Espeeco Federal Credit Union

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A short history of Espeeco FCU

Since its inception in 1954 the Espeeco Federal Credit Union has been serving its members in the BAKERSFIELD, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by MANDY PHIPPEN, the Espeeco FCU has grown its membership to over 1,248 with assets of more than $8,294,161. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (661) 327-5548 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BAKERSFIELD, CA.

General Information For Espeeco FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 9590
Address 1015 SUMNER ST 
State California 
Zip-Code 93305
Phone Number (661) 327-5548
Fax Number (661) 327-9791
Email Address:
Members 1,248 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 8,294,161 

Compare Espeeco Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Kern CU Branch 50 - Riverlakes 4180 Coffee Rd 93308 (661) 327-9461 No 2.22
Bakersfield City Employees CU Galaxy 5600 Crooks Rd Ste 101 48098 (800) 876-9000 No 2.94
Safe 1 CU Main Office 1400 Mill Rock Way 93311 (661) 327-3818 No 7.04
Kern Schools CU Frontier High School 6401 Allen Rd 93389 (661) 833-7900 No 7.64

Espeeco Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Espeeco Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 5.12 7.71 4.00 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 410 605 138 229
Rank Among All California Credit Unions N/A 136 177 52 70

Espeeco Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 N/A 0.30 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 119 N/A 302 243
Rank Among All California Credit Unions N/A 31 N/A 89 62
Espeeco Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 10.850115335,357
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.000228,561
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.120961,731,124
Used Vehicle Loans 7.71063783,912
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.000141,033,134
Total Other Real Estate Loans/Lines of Credit 5.000334,377
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.17030133,977
TOTAL LOANS & LEASES 3434,060,442

Espeeco Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 141,033,13400
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 334,37700
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 171,067,51100


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Espeeco Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes