Free financial counseling for EFCU members is available through our partnership with BALANCE.
Free financial counseling for EFCU members is available through our partnership with BALANCE. Certified financial counselors can help you develop a family budget or short and long term strategies to meet goals and overcome challenges. Counselors are also available to help you set up a Debt Management Plan. They will review your credit report with you to help you understand the information reported, and can give you guidance on correcting errors and improving your credit score. To speak with a BALANCE counselor, call 888.456.2227.
(Available Monday-Thursday 7am-7pm CST, Saturday 10am-7pm CST)
BALANCE offers free financial educational programs & resources. Register for free & learn to better manage & protect your finances.
Members seeking a second S.A.F.E. loan are required to take the Free Debt and Budget Coaching Program. To enroll call 888.456.2227.
(Monday-Thursday 7am-7pm CST, Saturday 10am-7pm CST)
This course is not offered online.
Routing Number: 263178070 *APR = Annual Percentage Rate.
©2022 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 receive a collateral loan from EFCU you'll need to agree to maintain adequate insurance coverage.
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Questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.
| VEHICLE TYPE | TERM | APR* (as low as) |
|---|---|---|
| New or Used Up to 15 Years Old | 66 Months | 2.29% |
| New or Used Up to 10 Years Old | 74 Months | 2.79% |
| New or Used Up to 10 Years Old ($20k +) | 84 Months | 3.79% |
* 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 Wednesday, January 26, 2022 and are subject to change
Got questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.
| 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% |
Questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.
| 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% |
Questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.
| 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% |
Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
|---|---|---|---|
| 30 year | 3.750% | 0% | 0 |
| 20 year | 3.625% | 0% | 0 |
| 15 year | 3.125% | 0% | 0 |
Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
|---|---|---|---|
| 30 year | 3.750% | 0% | 0 |
| 20 year | 3.625% | 0% | 0 |
| 15 year | 3.125% | 0% | 0 |
Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
|---|---|---|---|
| 30 year | 3.750% | 0% | 0 |
| 20 year | 3.625% | 0% | 0 |
| 15 year | 3.125% | 0% | 0 |
Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| INTEREST RATE | MAXIMUM COMBINED LTV** (TLTV) |
|---|---|
| 5.25% APR* | 80% |
| INTEREST RATE | MINIMUM ADVANCE | CLOSING COSTS |
|---|---|---|
| 3.25% APR* | $5,000 | NONE |
Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| MAX TERM | APR* |
|---|---|
| 5 years | 8.50% |
| 10 years | 9.00% |
Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| MAX TERM | APR* |
|---|---|
| 9 months | 5.50% |
| LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
|---|---|---|
| 42 Months | 8.90% | $20,000 |
| LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
|---|---|---|
| ------ | 8.90% | $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. | .05% | .05% |
| 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. | .20% | .20% |
| 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. | .20% | .20% |
| 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. | .20% | .20% |
| 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. | .20% | .20% |
The Current APY and Dividend Rates shown are the current weekly rates in effect from 1/21/2022 - 1/27/2022. The Previous APY and Dividend Rate stated are accurate as of the last dividend declaration date, which is the last day of the previous month. 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.
|
Money Market Tier |
Current Dividend Rate |
Current APY* |
Previous Dividend Rate |
Previous APY* |
|---|---|---|---|---|
|
Balance $.00 to 2,499.99 |
0.05% | 0.05% | 0.05% | 0.05% |
|
Balance $2,500.00 to 9,999.99 |
0.15% | 0.15% | 0.15% | 0.15% |
|
Balance $10,000.00 to 24,999.99 |
0.20% | 0.20% | 0.20% | 0.20% |
|
Balance $25,000.00 to 49,999.99 |
0.25% | 0.25% | 0.25% | 0.25% |
|
Balance $50,000.00 & up |
0.30% | 0.30% | 0.30% | 0.30% |
| 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. | .20% | .20% |
All Current APY and Dividend Rates shown are the current weekly rates in effect on 1/21/2022. Dividend rate and APY are variable and subject to change after the account is opened. The Previous APY and Dividend Rates stated are accurate as of the last dividend declaration date, which is the last day of the previous quarter.
| Account Description | Current Dividend Rate | Current APY* | Previous Dividend Rate | Previous APY* |
|---|---|---|---|---|
| Traditional IRA | 0.50% | 0.50% | 0.50% | 0.50% |
All Current APY and Dividend Rates shown are the current weekly rates in effect on 1/21/2022. Dividend rate and APY are variable and subject to change after the account is opened. The Previous APY and Dividend Rates stated are accurate as of the last dividend declaration date, which is the last day of the previous quarter.
| Account Description | Current Dividend Rate | Current APY* | Previous Dividend Rate | Previous APY* |
|---|---|---|---|---|
| Roth IRA | 0.50% | 0.50% | 0.50% | 0.50% |
A $2500.00 minimum deposit required. There is a penalty for early withdrawal.
Rates listed are current from 1/21/2022 - 1/27/2022.| CERTIFICATE TYPE | DIVIDEND RATE | APY* |
|---|---|---|
| 31 Days / 1 month Certificate | 0.20% | 0.20% |
| 92 days / 3 month Certificate | 0.20% | 0.20% |
| 182 days / 6 month Certificate | 0.20% | 0.20% |
| 365 days / 12 month Certificate | 0.40% | 0.40% |
| 548 days / 18 month Certificate | 0.45% | 0.45% |
| 730 days / 24 month Certificate | 0.50% | 0.50% |
| 1095 days / 36 month Certificate | 0.55% | 0.55% |
| 1460 days / 48 month Certificate | 0.60% | 0.60% |
| 1825 days / 60 month Certificate | 0.65% | 0.65% |
| 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 | None |
| 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 | None |
| 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:
Eglin Federal Credit Union uses small text files called cookies to collect anonymous Web site traffic data. This information helps improve our Web services. Our cookies do not collect or store any personally identifiable information.
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:
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 |
|---|---|
| Ann Creager | 1561554 |
| April Young | 1011150 |
| Ashley Hall | 1011145 |
| Brian Mark Franks | 1296056 |
| Candice Ann Salo | 2263057 |
| Carole Stanley | 1482257 |
| Carrie Ann Calcutt | 2064000 |
| Christina Walker | 1714720 |
| Christy Milian | 490970 |
| Cynthia Bower | 2064007 |
| Debbie Adams | 1012758 |
| Edith Darlene Sheppard | 1007643 |
| John Pellerin | 1011113 |
| Kayla Michelle Smith | 2177769 |
| Lilly B. Edra | 2041564 |
| Mariah Welbeck | 1851799 |
| Michele (Shellie) Marie Colaizzi | 798447 |
| Nakia Cherelle Woodley | 2080609 |
| Nikita LaShon Torres | 1849764 |
| NormaJean Enlow | 1212774 |
| Portiala Seymone Lundy | 2297492 |
| Ruby Tincher | 1212771 |
| Sheeny Marquez Satulan | 2237420 |
| Susan Castillo Dombrigues | 490967 |
| Tatyana Galenkova | 2063947 |
| Tiffany Michelle Cadogan | 1867034 |
| Vivian Gabrielle Crosby | 2135959 |
| Yolanda Watters | 805809 |
| Zena Payne | 490969 |
| Eglin FCU | 440642 |
eStatements provide online access to your account statements instead of by mail. Besides being an excellent way to help our environment, going paperless is also a fast, convenient and safe way to view your monthly statement. This service is free to all EFCU members and can be cancelled at any time. To receive eStatements, Online Banking is required.
Set up eStatements today by logging in and selecting 'eStatements' under the 'eServices' tab in the main navigation.
We recommend that members with Online Banking log in to make these changes in the "Contact Information" section under the "My Profile" tab.
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.
Complete the skip-a-pay form to agree to the terms* and request your preference to skip your next loan payment on your EFCU loan product. Please note: It may take up to 2 business days to process your request. If submitted via DocuSign, you will receive a confirmation email when your request has been processed. If you have questions or need additional assistance, please call 850.862.0111 or 800.367.6159.
*Subject to approval. Your account must be in good standing. This offer is subject to a $20 processing fee for each loan payment skipped. Only one skip allowed per loan per 12-month period. This offer excludes Mastercard®, S.A.F.E. Loans, Share Certificate Loans, Mortgage Loans, and Mobile Home Loans. Loan must be at least one year old. Skipping a payment will extend the repayment period on the loan and interest continues to accrue during the skip period. Except as expressly amended by this agreement the terms of the original loan agreement remain in full force and effect. Annual Percentage Rate and scheduled payment do not change. GAP protection coverage will be reduced if you skip or miss more than 2 monthly payments over the life of the loan.
You are not required to take a Required Minimum Distribution (RMD) for the 2020 tax year. This RMD waiver applies to 2020 RMDs, including 2019 RMDs paid between January 1, 2020 and April 1, 2020. If you have already taken a Required Minimum Distribution from your EFCU IRA, you have 60 days to rollover those funds back into your IRA. If your 2020 Required Minimum Distribution was more than 60 days ago, seek competent tax advice for available options.
Please complete this application in its entirety to ensure your request will be processed in a timely manner. Signatures must be witnessed by an Eglin FCU employee, a Notary Public, or signed electronically using an Eglin FCU eSignature service.
Print the 2020 IRA Required Minimum Distribution Waiver Request to submit it in person at an EFCU branch.
| Holiday | Date |
| Christmas (observed) | Fri, Dec. 24, 2021 |
| New Year's Day (observed) | Fri, Dec. 31, 2021 |
| Martin Luther King, Jr. Day | Mon, Jan. 17, 2022 |
| Presidents' Day (observed) | Mon, Feb. 21, 2022 |
| Memorial Day | Mon, May 30, 2022 |
| Juneteenth Nat'l Independence Day | Mon, June 20, 2022 |
| Independence Day | Mon, July 4, 2022 |
| Labor Day | Mon, Sept. 5, 2022 |
| Columbus Day | Mon, Oct. 10, 2022 |
| Veterans Day | Fri, Nov. 11, 2022 |
| Thanksgiving Day | Thurs, Nov. 24, 2022 |
| Christmas Day (observed) | Mon, Dec. 26, 2022 |
| Name | Title |
| Jerry Williams | President/CEO |
| Kenny Girot | COO, Chief Operations Officer |
| Cathie Staton | CSO, Chief Strategy Officer |
| Gina Denny | SVP, Human Resources |
| Tim Farnsworth | SVP, Information Technology |
| C. Grant | SVP, Accounting |
| Rocky Magee | SVP, Information Systems |
| Kim Nauta | SVP, Branch Operations |
| Dawn Oravetz | SVP, Payment Services |
| Laura Coale | VP, Marketing & Public Relations |
| Neko Stubblefield | VP, Membership & Community Development |
| Name | Title |
| James Pitts | Chairman |
| Robert Harlan | Vice Chairman |
| Russ Corbitt | Secretary/Treasurer |
| Richard Adams | Director |
| Daniel A. McInnis | Director |
| Barbara Patty | Director |
| William S. Rone | Director |
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