EFCU Share Certificates are a great low-risk investment opportunity. We offer Share Certificates with maturity dates ranging from 1 month to 60 months. Stop by a branch to open a Share Certificate today, or contact a Member Services Representative at 850.862.0111 (option 4) for more information.
If you have any questions or you would like to establish an IRA, please contact our IRA Specialist at 850.862.0111 x.1150 or email 'IRAs' via Secure Email.
A $2500.00 minimum deposit required. There is a penalty for early withdrawal.
| CERTIFICATE TYPE | DIVIDEND RATE | APY* |
|---|---|---|
| 31 Days / 1 month Certificate | .75 % | .75% |
| 92 days / 3 month Certificate | .75% | .75% |
| 182 days / 6 month Certificate | 1.45% | 1.46% |
| 365 days / 12 month Certificate | 2.00% | 2.02% |
| 548 days / 18 month Certificate | 2.15% | 2.17% |
| 730 days / 24 month Certificate | 2.20% | 2.22% |
| 1095 days / 36 month Certificate | 2.25% | 2.27% |
| 1460 days / 48 month Certificate | 2.35% | 2.38% |
| 1825 days / 60 month Certificate | 2.50% | 2.53% |
Routing Number: 263178070 *APR = Annual Percentage Rate.
©2020 Eglin Federal Credit Union. Eglin Federal Credit Union is Federally Insured by NCUA. Equal Housing Lender (NMLS 440642). Equal Opportunity Employer. Information submitted to EFCU via email is not encrypted and may not be secure. Links to other sites are provided as a convenience to our visitors. The Credit Union is not responsible for the availability, content, or privacy practices of any linked site. Images used for representational purposes only; do not imply government endorsement. If you experience any problems accessing our website or using online services, please call 800.367.6159 during our normal business hours (Monday-Friday 9am-5pm CST, excluding federal holidays).
When you received your loan you agreed to maintain adequate insurance coverage. If your insurance information has changed or you receive a letter stating we do not have proper documentation, you should provide us with a copy of your insurance declarations page (not your insurance card). The declarations page must show the following information:
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| VEHICLE TYPE | TERM | APR* (as low as) |
|---|---|---|
| New or Used Up to 2 Years Old | 84 Months | 4.49% |
| New or Used Up to 2 Years Old | 74 Months | 3.49% |
| New or Used Up to 3 Years Old | 66 Months | 2.99% |
| Used 4 & 5 Years Old | 64 Months | 3.49% |
| Used 6 to 10 Years Old | 54 Months | 3.99% |
| Used 11 to 15 Years Old | 48 Months | 4.49% |
* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Thursday, January 23, 2020 and are subject to change
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 4.75% |
| Up to $25,000 | 120 Months | 5.75% |
| Up to $50,000 | 144 Months | 6.00% |
| Over $50,000 | 180 Months | 6.00% |
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 5.75% |
| Up to $25,000 | 120 Months | 6.75% |
| Up to $50,000 | 144 Months | 7.00% |
| Over $50,000 | 180 Months | 7.00% |
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 4.75% |
| Over $10,000 | 120 Months | 5.75% |
| Over $25,000 | 144 Months | 6.00% |
| Over $50,000 | 180 Months | 6.00% |
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 5.75% |
| Over $10,000 | 120 Months | 6.75% |
| Over $25,000 | 144 Months | 7.00% |
| Over $50,000 | 180 Months | 7.00% |
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 5.00% |
| Over $10,000 | 72 Months | 6.75% |
| Over $20,000 | 84 Months | 7.25% |
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,0001 | 48 Months | 6.00% |
| Over $10,0002 | 60 Months | 6.00% |
| LOAN TERM (up to) | APR*(as low as) |
|---|---|
| 60 Months | 5.00% |
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
|---|---|---|---|
| 30 year | 3.375% | 0% | 0 |
| 20 year | 3.250% | 0% | 0 |
| 15 year | 2.875% | 0% | 0 |
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
|---|---|---|---|
| 30 year | 3.375% | 0% | 0 |
| 20 year | 3.250% | 0% | 0 |
| 15 year | 2.875% | 0% | 0 |
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
|---|---|---|---|
| 30 year | 3.375% | 0% | 0 |
| 20 year | 3.250% | 0% | 0 |
| 15 year | 2.875% | 0% | 0 |
| INTEREST RATE | MAXIMUM COMBINED LTV** (TLTV) |
|---|---|
| 5.25% APR* | 80% |
| INTEREST RATE | MINIMUM ADVANCE | CLOSING COSTS |
|---|---|---|
| 4.75% APR* | $5,000 | NONE |
| MAX TERM | APR* |
|---|---|
| 5 years | 8.50% |
| 10 years | 9.00% |
| MAX TERM | APR* |
|---|---|
| 9 months | 5.50% |
| LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
|---|---|---|
| 42 Months | 13.90% | $20,000 |
| LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
|---|---|---|
| ------ | 12.90% | $20,000 |
| REPAYMENT PERIOD | APR* | MAX LOAN AMOUNT |
|---|---|---|
| 120 days | 16.9% | $500 |
| REPAYMENT PERIOD | APR* as low as | MAX LOAN AMOUNT |
|---|---|---|
| 42 Months | 13.90% | $3000 |
| REPAYMENT PERIOD | APR* as low as | MAX LOAN AMOUNT |
|---|---|---|
| 42 Months | 5.00% | $2000 |
| LOAN TYPE | MAX LOAN AMOUNT | REPAYMENT PERIOD | APR* |
|---|---|---|---|
| Share Loan Pledging S1 or S4 | Available balance in account pledged | 84 months | 2.00% |
| Share Loan Pledging S7 | Available balance in account pledged | 84 months | 2.50% |
| Share Loan (Variable Rate) | Secured by funds in S-1. Rate adjusted quarterly, APR* 3% above S-1 dividend rate. | 84 months | Variable% |
| Share Certificate Loan | Rate is 3% above Share Certificate Rate. Maximum term is Maturity of Share Certificate. | Paid at maturity | 3% above Share Certificate Rate |
| PREMIUM CHECKING | DIVIDEND RATE | APY* |
|---|---|---|
| A $500 minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | .15% | .15% |
| REGULAR SHARE SAVINGS | DIVIDEND RATE | APY* |
|---|---|---|
| A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | .30% | .30% |
| FL UNIFORM TRANSFER TO MINORS SAVINGS | DIVIDEND RATE | APY* |
|---|---|---|
| A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | .30% | .30% |
| CHRISTMAS CLUB SAVINGS | DIVIDEND RATE | APY* |
|---|---|---|
| A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | .30% | .30% |
| VIP SAVINGS | DIVIDEND RATE | APY* |
|---|---|---|
| A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | .30% | .30% |
The dividend rate, APY, and tiers may change at any time as determined by the Credit Union's Board of Directors. If you close your account before the dividends are paid you will not receive the accrued dividends.
| MONEY MARKET TIER | DIVIDEND RATE | APY* |
|---|---|---|
| Balance between $.00 to 2,499.99 | .15% | .15% |
| Balance between $2,500.00 to 9,999.99 | .60% | .60% |
| Balance between $10,000.00 to 24,999.99 | .65% | .65% |
| Balance between $25,000.00 to 49,999.99 | .70% | .70% |
| Balance $50,000.00 and up | .70% | .70% |
| COVERDELL EDUCATION SAVINGS | DIVIDEND RATE | APY* |
|---|---|---|
| A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | .30% | .30% |
| TRADITIONAL IRA | DIVIDEND RATE | APY* |
|---|---|---|
| A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 2.20% | 2.22% |
| Roth IRA | DIVIDEND RATE | APY* |
|---|---|---|
| A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 2.20% | 2.22% |
A $2500.00 minimum deposit required. There is a penalty for early withdrawal.
| CERTIFICATE TYPE | DIVIDEND RATE | APY* |
|---|---|---|
| 31 Days / 1 month Certificate | .75 % | .75% |
| 92 days / 3 month Certificate | .75% | .75% |
| 182 days / 6 month Certificate | 1.45% | 1.46% |
| 365 days / 12 month Certificate | 2.00% | 2.02% |
| 548 days / 18 month Certificate | 2.15% | 2.17% |
| 730 days / 24 month Certificate | 2.20% | 2.22% |
| 1095 days / 36 month Certificate | 2.25% | 2.27% |
| 1460 days / 48 month Certificate | 2.35% | 2.38% |
| 1825 days / 60 month Certificate | 2.50% | 2.53% |
| Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | as low as 7.9% up to 14.9% The APR is determined at account opening and is based on the borrower's credit score. |
| Penalty APR | None |
| Paying Interest | Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| International Transaction | 1.1% of each international transaction, in U.S. Dollars. |
| Penalty Fees | |
| Late Payment | $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. |
| Over-the-Credit-Limit | None |
| Returned Payment | Up to $28.00 |
| Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | as low as 8.9% up to 15.9% The APR is determined at account opening and is based on the borrower's credit score. |
| Penalty APR | None |
| Paying Interest | Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| International Transaction | 1.1% of each international transaction, in U.S. Dollars. |
| Penalty Fees | |
| Late Payment | $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. |
| Over-the-Credit-Limit | None |
| Returned Payment | Up to $28.00 |
When you received your loan you agreed to maintain adequate insurance coverage. If your insurance information has changed or you receive a letter stating we do not have proper documentation, you should provide us with a copy of your insurance declarations page (not your insurance card). The declarations page must show the following information:
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To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens or signs on an account.
When you open an account, we will ask you for your name, physical address, date of birth and other information that will allow us to identify you.
| Defense Credit Union Council |
| Eglin Air Force Base |
| Hurlburt Field |
| Internal Revenue Service |
| National Association of Federal Credit Unions |
| National Credit Union Administration |
Please refer to the following guidelines for providing your account number:
We recommend that members with online account access (Home Branch or the EglinFCU Mobile App) log in to make these changes in the "Contact Information" section under "My Profile."
Please note: For the safety and security of our members, some services may be limited for up to 30 days after an address change. Print the Change of Contact Information form to submit it in person at an EFCU branch.
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