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Score a great rate.


Now through October 31, we are offering rates as low as 2.99% APR for terms up to 66 months on new and used vehicles up to 3 years old.


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CARFAX Discount


Members can get a discounted CARFAX for $20.
Before you buy a vehicle, protect yourself with a CARFAX report. Click the link below to request a discounted CARFAX through EFCU.


Buy a home.


The choice is easy. EFCU members benefit from lower closing costs with NO ORIGINATION FEES and NO LENDER FEES.

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 Important Reminder


It has been reported that some EFCU cardholders have received fraudulent phone calls from a party impersonating our fraud monitoring services. EFCU employees and our fraud monitoring service partners will NEVER ask a member for the 3-digit security code from the back of any card. Please report any suspicious calls immediately by contacting us at 850.862.0111 x.1402


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Protect Your Credit Card Using Your Mobile Device


Perfect for safety, security... and those scary moments when you're not quite sure where your card might be, the CardNav app allows you to turn your EFCU Credit Card on or off in seconds using your mobile device. CardNav can also send you real-time alerts based on the preferences you set up.




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Protect Your Debit Card Using Your Mobile Device


Use your mobile device to instantly turn your EFCU Debit Card on or off. This is a useful tool for peace of mind if your card is misplaced or stolen. CardValet can also send real-time alerts when your Debit Card is used, when a transaction is approved and exceeds a specified amount, or when your Debit Card has been attempted but is declined.