Free financial counseling.

Insurance Requirements for Collateral Loans

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:

A loss payee naming Eglin FCU as lien holder.
A full collateral description including the Vehicle Identification Number (VIN).
Comprehensive and collision coverage with a maximum $1,000 deductible.
The effective and expiration dates of the coverage.

You can submit your insurance information by:

Fax: 913.268.3178
Mail: Eglin Federal Credit Union
         Attn: CPI Department
         838 Eglin Parkway NE
         Fort Walton Beach FL 32547-2781

If you have any questions, please call 800.476.7330, Monday through Friday 8am-5:30pm CST.

You could save thousands on origination fees and lenders fees by financing with EFCU.

Type of Fee	EFCU	Other Lenders
Origination	$0	up to 1%¹
Pre-payment penalty	$0	varies by lender
Underwriting	$0	up to $895¹
Processing	$0	up to $495¹
Tax service	$0	up to $85¹
Document preparation	$0	up to $150¹
Administrative	$0	up to $150¹

1. Other lender fees shown are representational, fees vary by lender. All underwriting and servicing of EFCU loans are done in house.

Employees and affiliates of the following government organizations may be eligible for membership at EFCU.

U.S. Military

Active Military Personnel (Active, Retired, Dependents and Reserves) who work in, are assigned to, or are receiving services from Eglin AFB, Hurlburt Field, Duke Field, Camp Rudder or 7th Special Forces Group. Prior to duty station arrival, membership may be established with a copy your orders.
Retired Military Personnel who are receiving services from Eglin AFB, Hurlburt Field, Duke Field, Camp Rudder or 7th Special Forces Group.
Dependents of Active, Retired or Dependent Survivors who are receiving services from Eglin AFB, Hurlburt Field, Duke Field, Camp Rudder or 7th Special Forces Group.
Reserve Personnel, including new enlistees with ID card or a DD Form 4, who reside in Okaloosa or Walton.
National Guard personnel who reside in Okaloosa, Santa Rosa, or Walton County.
Veterans, including honorably discharged US armed services with a form DD214 that reside in Okaloosa, Santa Rosa, or Walton County.

U.S. Government*

Civil Service who work at or are assigned to Eglin AFB, Hurlburt Field, Duke Field, Camp Rudder or 7th Special Forces Group.
Federal Bureau of Investigation (FBI) who work in Okaloosa County.
Federal Aviation Agency (FAA) who work in Okaloosa County.
Office of Special Investigations (OSI) who work in Okaloosa County.
US Postal Service who work in Okaloosa County.
National Association of Retired Federal Employees personnel eligible for membership in the South Okaloosa Chapter #1428 who live in Okaloosa, Santa Rosa, or Walton Counties.

*This list may not be all inclusive.

U.S. Government Contractors

Contractors and employees of contractors who work regularly at Eglin AFB, Hurlburt Field, Duke Field, Camp Rudder or 7th Special Forces Group. Off base contractors are welcome to request eligibility for their employees.

Non-Appropriated Funds Activities

Employees of the USO or the American Red Cross who work at Eglin AFB, Hurlburt Field, Duke Field or 7th Special Forces Group.

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In compliance with The Secure and Fair Enforcement for Mortgage Licensing Act, also known as the SAFE Act, we are providing a list of EFCU's registered mortgage loan originators and their Nationwide Mortgage Licensing System (NMLS) number. The SAFE Act was passed to ensure the integrity of the Mortgage Lending system by establishing a set of standards that specific mortgage professionals must meet in order to work in the mortgage industry.

EFCU Mortgage Professional	NMLS ID
Andrea Owen Kelly	1876189
Ann Creager	1561554
April Carver	1011150
Ashley Hall	1011145
Brian Mark Franks	1296056
Carole Stanley	1482257
Christina Walker	1714720
Christy Milian	490970
Debbie Adams	1012758
Dildorakhon (Dora) Davlatovna Tajiboeva	1871291
Gianni Desi Rowley	1708558
Heather Michelle Huckabone	1886034
James William Cooper	1841945
John Pellerin	1011113
Karina Rhodes	1566505
Kevin Ray Debolt	1885511
Kristin Hyder	1832505
Mariah L. Ritenour-Hill	1851799
Nikita LaShon Torres	1849764
NormaJean Enlow	1212774
Robert Fundaburk	1211808
Ruby Tincher	1212771
Susan Castillo Dombrigues	490967
Tabias Peazant	1626914
Tiffany Michelle Cadogan	1867034
Tori Loren Akens	1852785
Yolanda Watters	805809
Zena Payne	490969
Eglin FCU	440642

Allen Turner Chevrolet

Allen Turner Hyundai

Audi Pensacola

BMW of Fort Walton Beach

Bob Tyler Toyota

Buick GMC Fort Walton Beach

Buick GMC Pensacola

Centennial Imports

Chrysler Dodge Jeep Ram Crestview

Chrysler Dodge Jeep Ram Fort Walton Beach

Emerald Coast Harley-Davidson

Ford Crestview

Ft. Walton Mitsubishi

Gary Smith Ford

Gary Smith Honda

Hampton Hyundai

Hill Kelly Dodge

Kia Autosport of Pensacola

Kia Fort Walton Beach

Lee Buick GMC

Lee Nissan

Mazda of Fort Walton Beach

Pensacola Honda

Performance Cars Niceville

Pete Moore Chevrolet

Pete Moore Imports

Porsche of Destin

Preston Hood Chevrolet

Sandy & Bubba`s Milton Chevrolet

Sandy Sansing BMW Mini Cooper

Sandy Sansing Chevrolet

Sandy Sansing Chrysler Dodge Jeep Ram

Sandy Sansing Mazda

Sandy Sansing Nissan

Subaru Fort Walton Beach

Tim Smith Acura

Toyota of Fort Walton Beach

Volkswagen Fort Walton Beach

World Ford Pensacola

ZT Motors of FWB

YES

UNDECIDED

A New Auto is one that has never been titled.
A Used Auto is one that has previously been titled.

Refinance a loan

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	2.79%
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 Saturday, September 21, 2019 and are subject to change

Auto Loan Payment Calculator

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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Prior year models and newer are considered new boats. On models that have never been titled, we finance 95% of the purchase price, including sales tax, title and tag fees.

APPLY FOR A LOAN

REFINANCE A LOAN

New Boats

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%

Used Boats (2-7 Years Old)

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%

Boat Loan Payment Calculator

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Eglin Federal Credit Union considers a Recreational Vehicle as new, regardless of age, if it has never been titled. On models that have never been titled, we finance 95% of the purchase price, including sales tax, title and tag fees.

APPLY FOR A LOAN

REFINANCE A LOAN

New Recreational Vehicles

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%

Used Recreational Vehicles (2-7 Years Old)

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%

RV Loan Payment Calculator

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Eglin Federal Credit Union considers a Motorcycle as new if it has never been titled or register and is 5 years old or newer.

APPLY FOR A LOAN

New Motorcycles

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%

Motorcycle Loan Payment Calculator

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APPLY FOR A LOAN

New Personal Watercraft

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,000¹	48 Months	6.00%
Over $10,000²	60 Months	6.00%

PWC Loan Payment Calculator

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APPLY FOR A LOAN

New & Used Street Legal Golf Carts (up to 3 years old)

LOAN TERM (up to)	APR*(as low as)
60 Months	5.00%

Golf Cart Loan Payment Calculator

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You could save thousands by financing with EFCU.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.

Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.

NOT A MEMBER?
JOIN TODAY!

Fixed Rate Mortgage

LOAN TERM	APR*	ORIGINATION FEE
30 year	3.500%	0%
20 year	3.375%	0%
15 year	3.000%	0%

*APR = Annual Percentage Rate. Interest Rates are subject to change at any time and do not constitute a commitment.

Maximum Loan Amounts & Restrictions - Fixed Conventional

Requires EFCU Membership.
Loans from $25,000 to $484,350
80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
Property must be owner-occupied, single-family, primary residence
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
Additional fees may apply for cash-out transactions and transactions with secondary financing.
No underwriting, processing, tax service, document preparation, or administrative fees.
No origination fees.
No pre-payment penalty.

Fixed Conventional Loan Payment Calculator

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JOIN TODAY!

Fixed Rate Mortgage

LOAN TERM	APR*	ORIGINATION FEE
30 year	3.500%	0%
20 year	3.375%	0%
15 year	3.000%	0%

*APR = Annual Percentage Rate. Interest Rates are subject to change at any time and do not constitute a commitment.

Maximum Loan Amounts & Restrictions - Fixed Conventional

Requires EFCU Membership.
Loans from $25,000 to $484,350
80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
Property must be owner-occupied, single-family, primary residence
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
Additional fees may apply for cash-out transactions and transactions with secondary financing.
No underwriting, processing, tax service, document preparation, or administrative fees.
No origination fees.
No pre-payment penalty.

Fixed Conventional Loan Payment Calculator

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NOT A MEMBER?
JOIN TODAY!

Fixed Rate Mortgage

LOAN TERM	APR*	ORIGINATION FEE
30 year	3.500%	0%
20 year	3.375%	0%
15 year	3.000%	0%

*APR = Annual Percentage Rate. Interest Rates are subject to change at any time and do not constitute a commitment.

Maximum Loan Amounts & Restrictions - Fixed Conventional

Requires EFCU Membership.
Loans from $25,000 to $484,350
80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
Property must be owner-occupied, single-family, primary residence
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
Additional fees may apply for cash-out transactions and transactions with secondary financing.
No underwriting, processing, tax service, document preparation, or administrative fees.
No origination fees.
No pre-payment penalty.

Fixed Conventional Loan Payment Calculator

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Home Equity loans are available from $5k to $150k for first mortgages (10 year term) or second (5, 10 or 15 year terms) mortgages on owner-occupied, single-family, primary residences.

APPLY FOR A HOME EQUITY LOAN

NOT A MEMBER?
JOIN TODAY!

Home Equity Loan

INTEREST RATE	MAXIMUM COMBINED LTV** (TLTV)
5.25% APR*	80%

*APR = Annual Percentage Rate, rates subject to change at any time. **LTV = Loan to Value

Maximum Loan Amounts & Restrictions - Home Equity

Requires EFCU Membership.
Loans from $5,000 to $150,000.
Available for first or second mortgages.
First mortgage - 10 year term.
Second mortgage - 5, 10 or 15 year term.
Loanable equity is determined by 80% of appraised value and subtracting balance of first mortgage loan.
Property must be a single-family, primary residence.
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
There will be closing costs involved such as an appraisal, mortgagee title insurance, recording fees and documentary stamps.
In an effort to provide the most fair and accurate Loan Estimate to assist you in comparing between lenders, please thoroughly complete the credit application with accurate information and figures.
A Mortgage Services team member may be in touch should we find that further information is needed pertaining to your loan request.

Home Equity Loan Payment Calculator

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Home Equity Line-of-Credit is available from $5k to $150k for first or second mortgages on owner-occupied, single-family, primary residences.Once you have established your Home Equity Credit Line, you may use your Home Equity Mastercard^® to make purchases, up to your credit limit.

APPLY FOR A
HELOC MASTERCARD

NOT A MEMBER?
JOIN TODAY!

INTEREST RATE	MINIMUM ADVANCE	CLOSING COSTS
5.00% APR*	$5,000	NONE

*APR = Annual Percentage Rate. Rates and terms subject to change without notice. Interest rates will vary based on the Wall Street Journal Prime Rate which was 5.00% as of 9/19/2019. Minimum monthly payments are calculated based on 1.50% of the New Balance or $35, whichever is greater.

Maximum Loan Amounts & Restrictions - Home Equity Line of Credit

Requires EFCU Membership.
Loans from $5,000 to $150,000.
Available for first or second mortgages.
Insurance is required on first liens.
Loanable Equity is determined by 80% of appraised value, subtracting balance of first mortgage loan.
Collateral must be primary residence, single-family dwelling.
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
Available on new lines of credit and subject to credit approval.
Maximum APR will not exceed 16%.
There is a 1.1% International Transaction Fee on foreign transactions.
The 'No Closing Costs' special does not include appraisal fees, but appraisal may not be necessary with an acceptable tax assessment.
Consult a tax advisor regarding the deductibility of interest on this loan.
Offer not available/valid on manufactured homes.

Mastercard Guide to Benefits for Credit Cardholders

Unimproved property loans are available from $5k to $150k on residential lots and non-commercial raw land (20 acres or less).

APPLY FOR AN UNIMPROVED PROPERTY LOAN

NOT A MEMBER?
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Unimproved Property Loan - Fixed Rate

MAX TERM	APR*
5 years	8.50%
10 years	9.00%

*APR = Annual Percentage Rate. Rates are subject to change at any time. Minimum monthly payment on all loans is $35.

Maximum Loan Amounts & Restrictions - Unimproved Property

Requires EFCU membership.
Loans from $5,000 to $150,000.
Loanable equity is determined by 80% of appraised value or purchase price; whichever is less; or 100% of tax assessed value
Property must be residential or non-commercial raw land, 20 acres or less.
In an effort to provide the most fair and accurate Loan Estimate to assist you in comparing between lenders, please thoroughly complete the credit application with accurate information and figures.
A Mortgage Services team member may be in touch should we find that further information is needed pertaining to your loan request.

Unimproved Property Loan Payment Calculator

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We offer Construction/Perm loans from $25,000 to $484,350 on residential property for owner-occupied primary residence. Call 850.862.0111 option 3 or contact us via secure email to apply for a construction/perm loan today.

NOT A MEMBER?
JOIN TODAY!

Construction/Perm Loan - Fixed Rate

MAX TERM	APR*
9 months	5.50%

*APR = Annual Percentage Rate. Minimum monthly payment on all loans is $35. Rates are subject to change at any time

Maximum Loan Amounts & Restrictions - Construction/Perm Loans

Requires EFCU Membership.
Loans from $25,000 to $484,350
80% Loan-to-value
Requires 10% of the appraised value in liquid assets
Property must be residential for owner-occupied primary residence
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
Closing costs may include, but are not limited to: appraisal fee, mortgage title insurance, recording fees, documentary stamps, flood determination fees and credit bureau fees.
Lock permanent rate within 45 days from completion.
Interest-only payments required during construction phase.
No pre-payment penalty.

Personal Signature Loan

LOAN TERM	APR* as low as	MAX LOAN AMOUNT
42 Months	13.90%	$20,000

*APR = Annual Percentage Rate.
The above rates are current as of Saturday, September 21, 2019 and are subject to change.

Terms & Conditions - Personal Signature

Requires EFCU membership.
There is a range of rates for each loan type.
The rate received will be determined by an evaluation of the applicant's credit.
Minimum monthly payment on all loans is $35.

Personal Signature Loan Payment Calculator

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Line of Credit Signature Loan

LOAN TERM	APR* as low as	MAX LOAN AMOUNT
------	12.90%	$20,000

*APR = Annual Percentage Rate.
The above rates are current as of Saturday, September 21, 2019 and are subject to change.

Terms & Conditions - Line of Credit Signature

Requires EFCU membership.
There is a range of rates for each loan type.
The rate received will be determined by an evaluation of the applicant's credit.
Minimum monthly payment on all loans is $35 or 3% of the balance owed.

SAFE Loan

REPAYMENT PERIOD	APR*	MAX LOAN AMOUNT
120 days	16.9%	$500

*APR = Annual Percentage Rate.
The above rates are current as of Saturday, September 21, 2019 and are subject to change.

Sample Repayment: A $500 loan for 120 days at 16.9% would result in the following approximate payments: $129.34 Monthly, $73.40 Biweekly, or $30.27 Weekly.

Terms & Conditions - SAFE Loan

Your EFCU account must be in good standing and have been opened for at least 30 days.
You must be with your current employer for at least two months.
Your payroll must be direct deposited to your Eglin FCU account.
The loan amount is limited to ½ of your monthly pay or $500, whichever is less.
You must bring in your most current pay statement to establish a SAFE loan.
Payments can be made automatically by transfer.
You can only have one SAFE Loan at a time. Your SAFE Loan must be paid off before applying for another loan.
Members are required to complete the BALANCE Money Management Counseling course prior to receiving their second SAFE Loan of each calendar year. To enroll in the course, call 888.456.2227. This course is not offered online.
Only four SAFE Loans are allowed during one calendar year.
Minimum payment is $25 weekly or $50 bi-weekly/semi-monthly or $100 monthly.
Payments are due on each payday.

Guarantor Loan

REPAYMENT PERIOD	APR* as low as	MAX LOAN AMOUNT
42 Months	13.90%	$3000

*APR = Annual Percentage Rate.
The above rates are current as of Saturday, September 21, 2019 and are subject to change.

Terms & Conditions - Guarantor Loans

Requires EFCU Membership.
There is a range of rates for each loan type.
The rate received will be determined by an evaluation of the applicant's credit.
Minimum monthly payment on all loans is $35
The guarantor must qualify for the loan and agrees to be liable in the event the primary borrower defaults.

Guarantor Loan Payment Calculator

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Savings Assistance Loan

REPAYMENT PERIOD	APR* as low as	MAX LOAN AMOUNT
42 Months	5.00%	$2000

*APR = Annual Percentage Rate.
The above rates are current as of Saturday, September 21, 2019 and are subject to change.

Terms & Conditions - Savings Assistance Loan

Must be an EFCU member and 18 years of age or older to establish a Savings Assistance Loan.
SAL proceeds are deposited into member's share suffix 1, these shares will be used to secure this loan.
The entire deposit will be on hold until the SAL is paid in full.
Members may have only one SAL at a time.
Maximum loan amount is $2,000.
Monthly minimum repayment is a percentage of the amount borrowed or $35 per month.

Savings Assistance Loan Payment Calculator

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Share Secured Loan

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

*APR = Annual Percentage Rate.
The above rates are current as of Saturday, September 21, 2019 and are subject to change.
Requires EFCU membership.