Classified School Employees Summer Assistance Program (CSESAP)

Take advantage of the CSESAP:  Get the end of year match from the CDE CSESAP Summer Savings Program, but still keep your full paycheck!

What is CSESAP?
The California Department of Education has a program where from September through June, eligible Classified employees can contribute up to 10% of their annual pay to the Classified School Employee Summer Assistance Program. In July of the following year the state will provide matching funds up to one dollar for each dollar withheld from participating Classified employee's monthly paychecks. The monthly contributions will begin September of the current year through June of the following year.

What's the Problem? Many employees do not have 10% of their monthly salary available to contribute to this program and contribute either $0 or less than the full 10%

The ECSFCU Solution: Each payday, East County Schools FCU will automatically advance from your CSESAP Line of Credit to cover the amount of your CSESAP monthly contribution, deposited into your ECSFCU checking account. When the state's CSESAP match is received in Summer, pay back the line of credit and keep the rest.

CSESAP Line of Credit is available to all eligible classified employees who are signed up for the state's CSESAP!

Participation Guidelines

1. If your district participates in the Classified School Employee Summer Assistance Program enroll with your district payroll department by March 1st and select a monthly contribution up to 10% of your annual pay.  Your selected contribution amount will be evenly distributed between your September - June paychecks.  Deductions will begin with your September payroll.

2. Must be (or become) an East County Schools FCU member with a checking account. The account can be opened in-branch, CreditUnion2-U (we come to you), or online at: Online New Account Opening - Getting Started

3. Enroll in Direct-Deposit for your net paycheck to ECSFCU

4. Notify East County Schools FCU that you will be participating in this CSESAP Loan program by calling 619-588-1515 or text: CSESAP to 619-588-1515 or online by contacting us here and leaving your name, district and the best way to contact you. You will be asked to apply for a CSESAP Line of Credit. You may sign up the first month of the academic year, or after the program has begun, mid-year.

5. Show proof-of-contribution from your first paycheck with the state's CSESAP deduction, to establish the loan amount and receive your first ECS CSESAP credit. Once established, the credit will be automatically applied to your checking account the same day as the deduction, each month.

*APR = Annual Percentage Rate. All terms and conditions of the one-time funding Classified School Employee Summer Assistance Program (CSESAP) will apply. Estimated California Department of Education matching percentage is usually announced each May. CSESAP line of credit to be paid-in-full upon receipt of CSESCAP distribution in July. Maximum loan value is 10% of the eligible classified employee's annual pay. All loans subject to verification of information submitted including proof of employment, CDE CSESAP enrollment and loan department approval. Additional terms and conditions apply.

Additional Examples**

**Examples above assume

• July 31st distribution of Summer Assistance Program from the CDE,
• $1.00 for $1.00 CSESAP match from California Department of Education (CDE), 2024 is expected to be the full $1:$1
  
• Completion of CSESAP program where ECSFCU monthly loan advance equals CSESAP employee contributions