return to EFCU home page
COVID-19 info/updates Hours of Operation Routing #: 263178070
 Login
  • Products/Services
    Checking & Savings Checking Accounts Savings Accounts IRAs Share Certificates

    Vehicle Loans Autos Boats Motorcycles RVs Street Legal Golf Carts Personal Watercraft Repos  0

    Cards Platinum Mastercard Platinum Rewards Mastercard Debit Cards ATM Cards Mortgage Loans Home Purchases Refinancing Home Equity Construction Land Purchases Foreclosures  0

    Personal Loans Personal Signature Line of Credit Signature Salary Advance for Emergency Guarantor Savings Assistance Share Secured

    Payment Services Bill Payer Other Payment Services

    Other Member Services

    Mobile Solutions Online Account Access Mobile App Mobile Wallets Card Controls

    Insurance & Debt Protection Insurance Debt Protection

    IRAs Traditional IRA Roth IRA

    Investments & Retirement EGLIN FINANCIAL SERVICES Mark Kilbride, Financial Advisor
  • Tools/Resources
    Applications & Forms BALANCE Financial Education Branches & ATMs Calculators Disclosures Financial Counseling Online Banking Help News & Education Rates Safety & Security Service Fees Student Center Other Resources
  • Become a Member
  •  Become a Member
  • Products & Services
  • Checking & Savings
  • Vehicle Loans
  • Cards
  • Mortgage Loans
  • Personal Loans
  • Payment Services
  • Other Member Services
  • Mobile Solutions
  • Insurance/Debt Protection
  • IRAs
  • Investments & Retirement
  • Tools & Resources
  • Applications & Forms
  • BALANCE Financial Education
  • Branches & ATMs
  • Calculators
  • Disclosures
  • Financial Counseling
  • Online Banking Help
  • News & Education
  • Rates
  • Safety & Security
  • Service Fees
  • Student Center
 Login
scroll to top of page

 Online Banking Help

Select the topic you would like assistance with. If you do not see what you are looking for, or you still require assistance, please contact us at 850.862.0111 or by secure email.


About EFCU
Careers 7
Locations
USA PATRIOT Act
Disclosures
Repos0
Foreclosures0
Web Policy
Browser Support
Privacy Notice
Contact Us
Site Map
Other Resources
850.862.0111
800.367.6159

Routing Number: 263178070 *APR = Annual Percentage Rate.

©2021 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).

Federally insured by the National Credit Union Administration
Eglin Federal Credit Union is an Equal Housing Lender
Norton Secured, click to learn more about SSL Certificates
Click to visit the BBB website for our review and more information


Insurance Requirements

Insurance Requirements for Collateral Loans

When you receive a collateral loan from EFCU you'll need to agree to maintain adequate insurance coverage.

Are you purchasing from any of these dealers?

 Alfa Romeo Maserati Pensacola

 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
NO
UNDECIDED

Auto Loans

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

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 2.99%
New or Used Up to 10 Years Old 74 Months 3.49%
New or Used Up to 10 Years Old ($20k +) 84 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, April 15, 2021 and are subject to change

Auto Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Boat Loans

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

Got questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

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%
* 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, April 15, 2021 and are subject to change




Boat Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Recreational Vehicle Loans

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 an RV loan refinance your RV

Questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

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%

* 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, April 15, 2021 and are subject to change

RV Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Motorcycle Loans

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 motorcycle loan
Got questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

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%

* 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, April 15, 2021 and are subject to change

Motorcycle Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Personal Watercraft

apply for a personal watercraft loan

Questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

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%

* 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, April 15, 2021 and are subject to change

PWC Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Street Legal Golf Carts

apply now
Got questions? Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

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

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

* 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, April 15, 2021 and are subject to change

Golf Cart Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Fixed Conventional Loans

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.

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

Fixed Rate Mortgage

LOAN TERM APR* ORIGINATION FEE POINTS
30 year 3.375% 0% 0
20 year 3.125% 0% 0
15 year 2.875% 0% 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

  1. Requires EFCU Membership.
  2. Loans from $25,000 to $548,250
  3. 80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
  4. Property must be owner-occupied, single-family, primary residence
  5. Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
  6. Additional fees may apply for cash-out transactions and transactions with secondary financing.
  7. No underwriting, processing, tax service, document preparation, or administrative fees.
  8. No origination fees.
  9. No pre-payment penalty.

Fixed Conventional Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Fixed Conventional Loans

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!

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

Fixed Rate Mortgage

LOAN TERM APR* ORIGINATION FEE POINTS
30 year 3.375% 0% 0
20 year 3.125% 0% 0
15 year 2.875% 0% 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

  1. Requires EFCU Membership.
  2. Loans from $25,000 to $548,250
  3. 80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
  4. Property must be owner-occupied, single-family, primary residence
  5. Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
  6. Additional fees may apply for cash-out transactions and transactions with secondary financing.
  7. No underwriting, processing, tax service, document preparation, or administrative fees.
  8. No origination fees.
  9. No pre-payment penalty.

Fixed Conventional Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Fixed Conventional Loans

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!

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

Fixed Rate Mortgage

LOAN TERM APR* ORIGINATION FEE POINTS
30 year 3.375% 0% 0
20 year 3.125% 0% 0
15 year 2.875% 0% 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

  1. Requires EFCU Membership.
  2. Loans from $25,000 to $548,250
  3. 80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
  4. Property must be owner-occupied, single-family, primary residence
  5. Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
  6. Additional fees may apply for cash-out transactions and transactions with secondary financing.
  7. No underwriting, processing, tax service, document preparation, or administrative fees.
  8. No origination fees.
  9. No pre-payment penalty.

Fixed Conventional Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Home Equity Loans

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

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

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

  1. Requires EFCU Membership.
  2. Loans from $5,000 to $150,000.
  3. Available for first or second mortgages.
  4. First mortgage - 10 year term.
  5. Second mortgage - 5, 10 or 15 year term.
  6. Loanable equity is determined by 80% of appraised value and subtracting balance of first mortgage loan.
  7. Property must be a single-family, primary residence.
  8. Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
  9. There will be closing costs involved such as an appraisal, mortgagee title insurance, recording fees and documentary stamps.
  10. 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.
  11. 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


$
    %
    months
$
$

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.
More Calculators

Home Equity Line of Credit

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
INTEREST RATE MINIMUM ADVANCE CLOSING COSTS
3.25% 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 3.25% as of 3/16/2020. 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
  1. Requires EFCU Membership.
  2. Loans from $5,000 to $150,000.
  3. Available for first or second mortgages.
  4. Insurance is required on first liens.
  5. Loanable Equity is determined by 80% of appraised value, subtracting balance of first mortgage loan.
  6. Collateral must be primary residence, single-family dwelling.
  7. Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
  8. Available on new lines of credit and subject to credit approval.
  9. Maximum APR will not exceed 16%.
  10. There is a 1.1% International Transaction Fee on foreign transactions.
  11. The 'No Closing Costs' special does not include appraisal fees, but appraisal may not be necessary with an acceptable tax assessment.
  12. Consult a tax advisor regarding the deductibility of interest on this loan.
  13. Offer not available/valid on manufactured homes.
Mastercard Guide to Benefits for Credit Cardholders

Unimproved Property Loan

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

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

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

  1. Requires EFCU membership.
  2. Loans from $5,000 to $150,000.
  3. Purchase: Loanable equity is determined by 80% of the Appraised Value or Purchase Price, whichever is less.
  4. Refinance: Loanable equity is determined by 80% of the Appraised Value or 100% of the Property Appraiser's land value.
  5. Property must be residential or non-commercial raw land, 20 acres or less.
  6. 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.
  7. 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


$
    %
    months
$
$

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.
More Calculators

Construction Loans

We offer Construction/Perm loans from $25,000 to $548,250 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!

Got questions? Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email

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


  1. Requires EFCU Membership.
  2. Loans from $25,000 to $548,250
  3. 80% Loan-to-value
  4. Requires 10% of the appraised value in liquid assets
  5. Property must be residential for owner-occupied primary residence
  6. Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
  7. 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.
  8. Lock permanent rate within 45 days from completion.
  9. Interest-only payments required during construction phase.
  10. No pre-payment penalty.

Personal Signature Loan

apply now
LOAN TERM APR* as low as MAX LOAN AMOUNT
42 Months 8.90% $20,000

*APR = Annual Percentage Rate.
The above rates are current as of Thursday, April 15, 2021 and are subject to change.

Terms & Conditions - Personal Signature

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

Personal Signature Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Line of Credit Signature Loan

Line of Credit Signature Loan

LOAN TERM APR* as low as MAX LOAN AMOUNT
------ 8.90% $20,000

*APR = Annual Percentage Rate.
The above rates are current as of Thursday, April 15, 2021 and are subject to change.


Terms & Conditions - Line of Credit Signature

  1. Requires EFCU membership.
  2. There is a range of rates for each loan type.
  3. The rate received will be determined by an evaluation of the applicant's credit.
  4. 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 Thursday, April 15, 2021 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

  1. Your EFCU account must be in good standing and have been opened for at least 30 days.
  2. You must be with your current employer for at least two months.
  3. Your payroll must be direct deposited to your Eglin FCU account.
  4. The loan amount is limited to ½ of your monthly pay or $500, whichever is less.
  5. You must bring in your most current pay statement to establish a SAFE loan.
  6. Payments can be made automatically by transfer.
  7. You can only have one SAFE Loan at a time. Your SAFE Loan must be paid off before applying for another loan.
  8. 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.
  9. Only four SAFE Loans are allowed during one calendar year.
  10. Minimum payment is $25 weekly or $50 bi-weekly/semi-monthly or $100 monthly.
  11. 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 Thursday, April 15, 2021 and are subject to change.


Terms & Conditions - Guarantor Loans

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

Guarantor Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

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 Thursday, April 15, 2021 and are subject to change.


Terms & Conditions - Savings Assistance Loan

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

Savings Assistance Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

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 Thursday, April 15, 2021 and are subject to change.

Requires EFCU membership.

Share Secured Loan Payment Calculator


$
    %
    months
$
$

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.
More Calculators

Premium Checking Account

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%
*APY = Annual Percentage Yield
  • Requires EFCU Membership
  • Open with a minimum $5.00 deposit
  • No monthly service fee or per check charges.
  • Dividends are compounded daily and will be credited to your account every quarter
  • Insured by NCUA.

Regular Share

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%
*APY = Annual Percentage Yield
  • Initial $5.00 deposit required to establish membership
  • No monthly service fee
  • Dividends are compounded daily and will be credited to your account every quarter
  • Insured by NCUA.

FL Uniform Transfer to Minors

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%
*APY = Annual Percentage Yield
  • Requires EFCU Membership
  • Open with a minimum $5.00 deposit
  • No monthly service fee
  • Irrevocable custodial account established in a child's name
  • Minor takes possession of the account at age 21
  • Dividends are compounded daily and will be credited to your account every quarter
  • Insured by NCUA.

Christmas Club

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%
*APY = Annual Percentage Yield
  • Requires EFCU Membership
  • Open with a minimum $5.00 deposit
  • No monthly service fee
  • Dividends are compounded daily and will be credited to your account every quarter
  • Insured by NCUA.

Very Important Purpose (VIP)

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%
*APY = Annual Percentage Yield
  • Requires EFCU Membership
  • Open with a minimum $5.00 deposit
  • No monthly service fee
  • Dividends are compounded daily and will be credited to your account every quarter
  • Insured by NCUA.

Money Market

The Current APY and Dividend Rates shown are the current weekly rates in effect from 4/9/2021 - 4/15/2021. 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% 0.25%
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%
*APY = Annual Percentage Yield
  • Requires EFCU Membership
  • Open with a minimum $2500.00 deposit
  • No monthly service fee
  • Dividends are compounded daily and will be credited to your account every month
  • Balance fluctuations during the dividend period may cause you to earn varying dividend rates
  • Insured by NCUA.

Coverdell Education Savings

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%
*APY = Annual Percentage Yield
  • Requires EFCU Membership
  • Open with a minimum $5.00 deposit
  • No monthly service fee
  • Dividends are compounded daily and will be credited to your account every quarter
  • Insured by NCUA.

Traditional IRA

All Current APY and Dividend Rates shown are the current weekly rates in effect on 4/9/2021. 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% .60% .60%
*APY = Annual Percentage Yield
  • Requires EFCU Membership
  • Open with a minimum $5.00 contribution
  • No maturity date
  • Dividends are compounded daily and will be credited to your account every quarter
  • IRA funds are insured separately up to $250,000 per member by the National Credit Union Association (NCUA)

Visit Retirement Central for more information about IRAs

Roth IRA

All Current APY and Dividend Rates shown are the current weekly rates in effect on 4/9/2021. 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% .60% .60%
*APY = Annual Percentage Yield
  • Requires EFCU Membership
  • Open with a minimum $5.00 contribution
  • No maturity date
  • Dividends are compounded daily and will be credited to your account every quarter
  • IRA funds are insured separately up to $250,000 per member by the National Credit Union Association (NCUA)

Visit Retirement Central for more information about IRAs

Share Certificates

A $2500.00 minimum deposit required. There is a penalty for early withdrawal.

Rates listed are current from 4/9/2021 - 4/15/2021.
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%
*APY = Annual Percentage Yield
  • Requires EFCU Membership
  • Insured by NCUA.

Platinum Mastercard

apply for a platinum mastercard

Interest Rates & Interest Charges

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

Fees

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

How We Will Calculate Your Balance: We use a method called 'average daily balance (including current transactions).'
Rates, fees and benefits stated are subject to change.
Requires EFCU Membership.
Members may call 800.367.6159 to verify current rates and fees.


Mastercard Agreement & Disclosure Mastercard Guide to Benefits for Credit Cardholders

Platinum Rewards Mastercard

apply for a platinum rewards mastercard

Interest Rates & interest Charges

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

Fees

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

How We Will Calculate Your Balance: We use a method called 'average daily balance (including current transactions).'
Rates, fees and benefits stated are subject to change.
Requires EFCU membership.
Members may call 800.367.6159 to verify current rates and fees.


Mastercard Agreement & Disclosure Mastercard Guide to Benefits for Credit Cardholders

EFCU Debit Card

  • Requires EFCU Membership.
  • Withdrawals from ATMs are limited to $500 per day.
  • Point of Sale transactions have a daily limit of $3,000.
  • In some instances a $500 daily limit may be applicable.
  • If our system is unavailable, lower transaction and withdrawal limits may apply.
  • Be aware that most overseas ATMs limit cash withdrawals to the checking account and access to the savings account may not be available.
  • Certain terms, conditions, and exclusions apply. Contact EFCU for complete coverage terms and conditions or call Mastercard® for assistance at 800.622.7747.
Mastercard Guide to Benefits for Debit Cardholders

Terms & Conditions - Bill Payer

  1. Requires EFCU Membership.
  2. Requires an EFCU checking account and password to access your EFCU account online.
  3. Bill Payer is free with an EFCU checking account and a minimum of 3 completed transactions each month.
  4. When you have less than 3 completed transactions each month a $5 fee applies.
  5. You can schedule payments up to a year in advance.
  6. No maximum limit to number of payments scheduled.
  7. Payments may be added or changed at your convenience.
  8. You may enroll in eBill to receive your bill summary from eligible payees electronically to your Bill Payer Account. eBill will notify you when a bill is available to review. eBill stores up to 84 months of eBill history.
Bill Payer Agreement

Terms & Conditions - Courtesy Pay

  1. Federally mandated changes to the Electronic Funds Transfer Act, requires members to Opt-In if they wish to have the option of Courtesy Pay coverage on Debit Card Point of Sale (POS) purchases.
  2. Premium Checking accounts less than 30 days old are not eligible for Courtesy Pay.
  3. Basic Checking accounts are not eligible for Courtesy Pay.
  4. This service is only available to Premium Checking accounts in good standing, and at the discretion of EFCU
  5. If funds are not available for Debit Card POS purchases and the member has not completed an Opt-In Authorization, the transactions will be denied.

Opt-In/Opt-Out for Courtesy Pay for Debit Card POS Transactions
To indicate your preference for Courtesy Pay or for information about other alternatives we offer for covering overdrafts, please contact us:
  • In person at any EFCU branch location.
  • By phone at 850.862.0111 or 800.367.6159 option 4.
  • Through our website at www.eglinfcu.org/forms
  • Log in to Home Branch and select 'Courtesy Pay' under 'My Profile' in the navigation bar.
  • If you Opt-in for Debit Card POS Transactions, you may also revoke your authorization for Courtesy Pay using any of the above options.
Courtesy Pay Disclosure Information

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.

EFCU's Web Policy

Use of Cookies

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.

Browser Support

Supported Browsers

Microsoft Internet Explorer (Version 10 and higher)
Microsoft Edge (Current version)
Google Chrome (Current Version)
Safari (Current Version*)
Opera (Current Version)
*Does not support Safari on windows operating systems. While most elements of our website will function on earlier versions of the browsers listed above, we highly recommend updating your browser to the current version.

Browser Settings

To maximize your browsing experience on our site, please add eglinfcu.org and billpaysite.com as trusted sites in your browser and, if applicable, in your firewall. For eglinfcu.org you will need to enable Javascript. For Online Account Access you will need to enable SSL (encryption) support, cookies (Requires session-only cookies that are returned to the originating server - eglinfcu.org), and secure pages to be saved to the hard disk.

Run the Bill Payer browser test

Important Information About Opening a New Account

USA PATRIOT Act

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.

What This Means For You

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.

Other Resources

Links to other sites are provided as a convenience to our visitors. The Credit Union is not responsible for the availability, accessibility, content, or privacy practices of any linked site.

Trustage Insurance
Fuel Economy dot Gov
Annual Credit Report
Western Union


More links

Emergency Information
Homeland Security Preparation Guide
Florida Division of Emergency Mgmt
National Hurricane Center
Okaloosa County Severe Weather Center
Red Cross Emergency Preparedness
Santa Rosa County Emergency Mgmt
Walton County Emergency Mgmt Guide

Government/Associations
Defense Credit Union Council
Eglin Air Force Base
Hurlburt Field
Internal Revenue Service
National Association of Federal Credit Unions
National Credit Union Administration

Local Community
Fort Walton Beach
Okaloosa County
Northwest Florida State College
Troy University
University of West Florida
Walton County

Miscellaneous
Eglin Platinum Rewards
ePayments
First Protector
GO Direct Deposit
NCUA Share Insurance Calculator
Investor Connection
Purchase Savings Bonds
Mastercard SecureCode - Credit

Routing & Transit Number

EFCU's Routing & Transit Number for Direct Deposit or any other electronic transfer of funds is 263178070.

Please refer to the following guidelines for providing your account number:

  • For Checking and Savings Accounts:Please provide your full 5-digit or 6-digit Account Number when authorizing electronic debits or credits.
  • For Money Market accounts: If you have a 6-digit account number you will need to add "990" to the beginning of your account number, if you have a 5-digit account number you will need to add "9900" to the beginning of your account number.

If you have pre-printed EFCU checks, the Routing & Transit Number and Account Number begin at the bottom-left of your checks, with the routing number listed in the first section and the account number in the second.

Registered Mortgage Loan Originators

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 Carver 1011150
Ashley Hall 1011145
Brian Mark Franks 1296056
Carole Stanley 1482257
Carrie Calcutt 2064000
Christina Walker 1714720
Christy Milian 490970
Cynthia Bower 2064007
Debbie Adams 1012758
Dildorakhon (Dora) Davlatovna Tajiboeva 1871291
Edith Darlene Sheppard 1007643
John Pellerin 1011113
Keiandrea Yvette McKinnie 1212769
Kevin Ray Debolt 1885511
Kristin Hyder 1832505
Lilly B. Edra 2041564
Michele (Shellie) Marie Colaizzi 798447
Mellisa Jean Mills Nix 2121046
Nakia Cherelle Woodley 2080609
Nikita LaShon Torres 1849764
NormaJean Enlow 1212774
Ruby Tincher 1212771
Susan Castillo Dombrigues 490967
Tabias Peazant 1626914
Tatyana Galenkova 2063947
Tiffany Michelle Cadogan 1867034
Vivian Gabrielle Crosby 2135959
Yolanda Watters 805809
Zena Payne 490969
Eglin FCU 440642

HELOC Brochure & Disclosure

Prior to applying online for a HELOC Mastercard, please read the HELOC Brochure and Disclosure and return to this page to confirm you have read and agree.

  HELOC Disclosure
  HELOC Brochure

Request for Online Account Access

Requires EFCU membership. Please visit our Online Account Access page for more information. You may read and print the Online Account Access Disclosure here. Print the request for online account access form to submit it in person at any EFCU branch.
Please send me a password to use with my account number so I may perform transactions online.
* = required

*All submitted forms may take up to 2 business days to process*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

Debit Card Request

Requires EFCU membership. Please visit our Debit Card page for more information. To view Terms & Conditions please visit our Rates, Terms & Conditions page. You may read and print the Debit Card Disclosure here. Print the Debit Card application to submit it in person at an EFCU branch.
I request an EFCU Debit Card as indicated below. For mailed cards, the card must be activated before use. Activation instructions will be included with the card.
There is a $5.00 charge per card after the first two cards issued.

* = required
Please select 'submit to DocuSign' to continue the application process. Prior to using your card, please review the ATM / Debit Card Disclosure. By using the card, you agree to the terms and conditions contained in the disclosure.
*All submitted forms may take up to 2 business days to process*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

eStatements

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 account access is required.
Set up eStatements today by logging in and selecting 'eStatements' under the 'eServices' tab in the main navigation.

Frequently Asked Questions

How do I sign up?
Primary members on accounts may sign up for eStatements online through our mobile app or desktop online account access platforms. If you don't have online account access, you may download an application here.

What is it?
eStatements enable you to access your Credit Union account statements online instead of receiving a paper copy in the mail. The statement will look identical to the one you currently receive. Inserts that are normally mailed with the statements, such as the newsletter, inserts and other notices and disclosures including but not limited to your annual Privacy Notice, general membership notices, and any change-in-term notices to your share accounts, loan accounts, and your access devices, will be available within your account online.

How much does this service cost?
This service is free to all EFCU members with accounts in good standing.

What do I need to view my eStatement?
You must have established online account access. You will need a computer or mobile device with a current version of a web browser, access to the Internet, and a current version of the free Adobe Reader software. If there are any changes to these requirements we will post them on our site, eglinfcu.org.

How long will my statements be saved and be made available for viewing?
We will archive 13 months of eStatements for you to access electronically. The first month after you sign up to receive statements electronically begins the history of statements accessible for your reference.

Will I be able to print or save a copy of my eStatement?
Yes. You will have the option to print a hardcopy from the electronic version or save to a disk. Please note that eStatements are encrypted during transmission to your personal computer. However, the files are not encrypted once delivered. You are responsible for protecting copies of eStatements you have printed or saved.

What security methods are used to protect my eStatement?
Access to electronic statements is protected by using your online account password as the only avenue of access. You will not need to remember a new password to access your electronic statement. The statement is stored behind firewalls and is transmitted to your Internet browser using 128-bit SSL encryption.

Can I get my eStatement emailed to me instead of logging into my account online?
No. Email is not a secured method of sending your statement.

What if I want to cancel my eStatement?
There is no fee associated with accessing your statement by electronic means and there is not a penalty for choosing to go back to paper statements. Cancel the service by phone, email, mail, or in person at any one of our branches.

What are the benefits of receiving my statement electronically?
Besides being an excellent way to help our environment, going paperless is also a fast, convenient and safe way to view your monthly statement. The eStatement will be available during the first week of the statement cycle. You can then access your statement from your computer at your convenience. You can also relax knowing that the statement will not get lost in the mail.

Will I also be able to view my Mastercard® statement with eStatements?
Yes. Your Mastercard eStatement will be provided in the same location and made available at the same time as your regular eStatements.

Can my eStatement be exported to other programs?
No. EFCU eStatements cannot be saved as a text file and imported into Microsoft Word or any other text program. eStatements can only be saved as PDF files.

Change of Contact Information

We recommend that members with online account access 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.

* = required

*All submitted forms may take up to 2 business days to process*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

Opt-In/Out: Courtesy Pay for Debit POS Transactions

To qualify, your account must be in good standing and your Premium Checking account must be open for 30 days. Please visit our Payment Services page for more information. To view Terms & Conditions please visit our Rates, Terms & Conditions page. You may read and print the Courtesy Pay Disclosure here. Print the Courtesy Pay application to submit it in person at an EFCU branch.
Complete the fields below and select "Submit." You will be redirected to DocuSign to complete the process for indicating your Courtesy Pay preferences.
* = required
Please select 'submit to DocuSign' to continue the Opt-In/Opt-Out process.
*All submitted forms may take up to 2 business days to process*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

ATM Card Request

Requires EFCU membership. Please visit our ATM Card page for more information. You may read and print the ATM Card Disclosure here. Print the ATM Card application to submit it in person at an EFCU branch.
I request an EFCU ATM Card as indicated below. For mailed cards, the card must be activated before use. Activation instructions will be included with the card.
* = required
Please select 'submit to DocuSign' to continue the application process. Prior to using your card, please review the ATM / Debit Card Disclosure. By using the card, you agree to the terms and conditions contained in the disclosure.
*All submitted forms may take up to 2 business days to process*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

Travel Notification

To mitigate your risk for fraud Eglin Federal Credit Union utilizes fraud monitoring to identify suspicious activity on your account. If you will be traveling within a U.S. territory or to an International country, please complete this form to reduce the possibility of your Debit card and/or Credit card being blocked for suspicious activity. We recommend you monitor your activity during this time and notify us immediately if you detect fraud on your account. Print the Travel Notification Form to submit it in person at any EFCU branch. Please note: Travel notification dates cannot exceed 1 year from departing date.

* = required

Please select 'submit to DocuSign' to complete the Travel Notification form.
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

Request an Additional or Replacement Mastercard

Requires EFCU membership. Please visit our Mastercard page for more information. To view Terms & Conditions please visit our Rates, Terms & Conditions page. You may read and print the Mastercard Agreement & Disclosure here. Print the Mastercard Card Request form to submit it in person at an EFCU branch.
I request a reissue or replacement EFCU Mastercard as indicated below. (This is not a loan request, to establish a new Mastercard account, please apply now. Requires EFCU Membership.) For mailed Pre-PINned cards, the PIN will be mailed separately and the card must be activated before use. I assume liability for any unauthorized use of the card by requesting EFCU to mail a Pre-PINned card.
There is a $5.00 charge per card after the first two cards issued.

* = required
Please select 'submit to DocuSign' to continue the application process. Prior to using your card, please review the Mastercard Agreement & Disclosure. By using the card, you agree to the terms and conditions contained in the disclosure.
*All submitted forms may take up to 2 business days to process*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

Dormant Account Reactivation Request

Print the Dormant Account Reactivation Request form to submit it in person at an EFCU branch.

* = required

*All submitted forms may take up to 2 business days to process*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

Request to Increase Daily Limit on Debit Card/Bill Payer

Print the Debit Card/Bill Payer Daily Limit Increase Request form to submit it in person at an EFCU branch. Please note: Total daily limit requests greater than $10,000 will only be valid for up to 3 days.

* = required

*All submitted forms may take up to 2 business days to process*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.
return to EFCU home page
What would you like to apply for?
Please note: For Mortgage Loans please contact us at 850.862.0111 (Option 3) or via secure email.
Online Account Access Boat Loan Motorcycle Loan Recreational Vehicle Loan Personal Watercraft Loan Personal Signature Loan Line of Credit Signature Loan Platinum Mastercard Rewards Mastercard HELOC Mastercard

Skip-a-Pay

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.


* = required

Please select 'submit to DocuSign' to complete your Skip-a-Pay request.
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

CARFAX Request

Requires EFCU membership. Print the CARFAX application to submit it in person at an EFCU branch.


By submitting this request, you agree that EFCU will pull a CARFAX on your behalf and debit your Basic Checking, Premium Checking or Regular Share Savings account for a one-time charge of $20 per CARFAX form submitted.

* = required

Please select 'submit to DocuSign' to continue the CARFAX request.
*We aim to process your CARFAX request the same business day, however some requests may take up to 1 business day*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

Request to Waive IRA Required Minimum Distribution for 2020

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.

* = required
Please select 'submit to DocuSign' to complete and sign your request.
*All submitted forms may take up to 2 business days to process*
When this form is sent, it is encrypted through Secured Socket Layer (SSL). SSL technology encodes information that is sent over the Internet between your computer and Eglin Federal Credit Union, helping to ensure that the information remains confidential.

Holidays

Holiday Date
Memorial Day Mon, May 31, 2021
Independence Day Mon, Jul. 5, 2021
Labor Day Mon, Sept. 6, 2021
Columbus Day Mon, Oct. 11, 2021
Veterans Day Thurs, Nov. 11, 2021
Thanksgiving Day Thurs, Nov. 25, 2021
Christmas (observed) Fri, Dec. 24, 2021
New Year's Day (observed) Fri, Jan. 31, 2021
Martin Luther King, Jr. Day Mon, Jan. 17, 2022
Presidents' Day Mon, Feb. 21, 2022

Search eglinfcu.org

How to Make Payments to Your EFCU Mastercard®

 External Transfers: Conveniently make Mastercard payments with no additional fees.
Use the External Transfers feature to set up payments from another financial institution to your EFCU Mastercard.

Payments to your EFCU Mastercard should be directed to the following payment address:

Eglin Federal Credit Union
838 Eglin Pkwy NE
Fort Walton Beach, FL 32547
* Be sure to reference your EFCU Account Number and V-Suffix

If you have your payment(s) setup with a bill payer service or another financial institution, you will need to update/add the above payee information for submitting payments to your EFCU Mastercard.

 Password Issues

If you believe there is any chance your Online Account Access password has been compromised, we recommend changing it immediately. To do so, select "Change Password" under the "My Profile" tab once logged in via a browser or the app, enter your old password, enter a new password, re-enter the new password to confirm and select "Submit." Passwords must not contain your primary account number, SSN, full name or phone number. For tips on creating a strong password, please read the "Strong Passwords" article inside the "Tips for Staying Safe Online" section on the Safety and Security page of our website.

 Correcting issues connecting to EFCU online services.

If you are having trouble accessing any of our online services it is possible they are being blocked by security software and plugins on your computer. To resolve issues with your computer preventing access to our services, please try the following:

  1. Add the following URLs to the trusted sites list in your browser:
    • https://eglin.ns3web.org/ (Online Account Access)
    • https://www.eglinfcu.org/ (our website)
    • https://olb.deeptarget.com (banner ads once logged into your account online)
    • https://www.billpaysite.com/ (Bill Payer site, if you are signed up for this service)
    Click on any of the buttons below to view detailed instructions on how to add trusted sites to the following popular internet browsers:
    Microsoft Internet Explorer
    1. Select "Internet options" under the tools menu at the top left of your browser window.
      screenshot
    2. In the "Internet options" window that opens, select the "security" tab. Under the security tab, click the "Trusted Sites" icon and then click the button labeled "sites."
      screenshot
    3. In the "Trusted Sites" window, input https://eglin.ns3web.org/ and click "add." Repeat this for adding https://www.eglinfcu.org, https://olb.deeptarget.com and https://www.billpaysite.com/. Once you have completed adding these sites, click "close." Be sure to click "Apply" and then "OK" on the "Internet Options" pop-up to save your settings.
      screenshot
    Google Chrome
    1. Open the Chrome menu by clicking the menu icon (three vertical dots) in the top right corner of the browser window. In the Chrome menu, select "Settings."
      screenshot
    2. In the Chrome Settings window, scroll to the bottom and click "advanced." More options will populate below the "advanced" link, continue scrolling all the way to the bottom until you see the section labled "System." Click "Open Proxy Settings."
      screenshot
    3. A pop-up window labeled "Internet Properties" will open, select the "security" tab if it is not already selected. Under the security tab, click the "Trusted Sites" icon and then click the button labeled "sites."
      screenshot
    4. In the "Trusted Sites" window, input https://eglin.ns3web.org/ and click "add." Repeat this for adding https://www.eglinfcu.org, https://olb.deeptarget.com and https://www.billpaysite.com/. Once you have completed adding these sites, click "close." Be sure to click "Apply" and then "OK" on the "Internet Properties" pop-up to save your settings.
      screenshot
    Mozilla Firefox
    1. Open the Firefox menu by clicking the menu icon (three lines stacked vertically) in the top right corner of the browser window. In the Firefox menu, select "Settings."
      screenshot
    2. In the Firefox Settings window, select the "security" tab fromt he left-hand navigation menu. On the "Security" settings page under "General," click "Exceptions."
      screenshot
    3. The next window is labeled "Allowed Sites - Add-ons Installation." Input https://eglin.ns3web.org/ and click "allow." Repeat this for adding https://www.eglinfcu.org, https://olb.deeptarget.com and https://www.billpaysite.com/. Once you have completed adding these sites, click "Save Changes."
      screenshot
    Safari users: You will want to add these sites to your "Top Sites" list. Instructions for doing so are listed on Apple's website located here.

    There are numerous internet browsers available and we cannot provide instructions for editing Trusted Sites in all of them. If you are using a different browser than the ones listed above, we recommend doing an online search for instructions on how to add sites as exceptions to their security.
  2. In addition to adding our sites as exceptions to your Internet browser's security, we recommend adding these sites as exceptions to any ad-blocking, pop-up blocking, anti-virus, anti-spyware, and anti-malware software or plugins you have installed.

 Transfers - External Transfers

Connect to your external checking accounts and make payments to your EFCU loans and credit cards with this feature. Please note: You MUST have an established EFCU credit card or loan for this option to be made available to you.

Initial Setup (read first)

To begin you will need to establish a connection to your account(s) at your other financial institution.
Follow these steps to do so:

  1. Log into your account online via a browser or the app and select "External Transfers" under the "Transfers" tab in the main navigation.
  2. When you first visit the External Transfers page, you will not have any active accounts listed. To connect your accounts from other financial institutions, select "Add Account."
  3. On the Add Account page:
    1. Select "Checking." (At this time we can only connect to external checking accounts.) (a)
    2. Then search for your other financial institution by their name, routing number or phone number (b)
    3. After you have entered the routing number or phone number select "Find Institution" (c).
  4. After clicking "Find Institution" you should see your financial institution's information on screen. If it is not the correct institution, please check the information you input and select "Find Institution" again.
  5. Once you are satisfied you have the correct financial institution information selected, you may a choose a name for the external account (a) and will need to input your account number (b) before selecting "continue" (c).
  6. Once you have completed adding the account, it will be pending verification and a new screen will open explaining the process for verifying the account.
    Note: You will not be able to use these accounts for external transfers until you've received and verified the three deposit amounts.

  7. You will receive three small deposits into your external account within 2-3 business days. Once recieved, you will need to log into your account online and navigate to the External Transfers page again. At this point you should see the account listed, select "Click to Verify."

  8. You will then be prompted to input the three amounts received into your other account. Once you have done so, click "Confirm."

Success!
Once you have succesfully completed the verification process, your external checking account will be listed on the external transfers page and you can then request transfer of funds from that account to your EFCU credit card or loan (external transfers to your EFCU mortgage are not currently available). To set up an external transfer, click "Request."


Making an External Transfer

Once the process for connecting your external checking account is complete, you may make an external transfer by selecting "Request" and completing the following steps:

  1. After selecting "Request" a page labeled "Request Money" will open. On that page, under "From," select the external checking account you intend to transfer funds from. Under "To," select the EFCU loan or credit card you want to transfer the funds to. Enter the amount you wish to transfer under "Amount." External Transfers can be set up as recurring or one-time payments. To set up a one-time payment, select "once" under "Frequency." To set up a recurring payment, choose one of the other options from the "Frequency" dropdown menu. Once you have completed the above steps, select a date you wish your one-time payment to occur on or your recurring payments to begin on. A comment section is available to add any notes or comments for your own reference. Once you have completed the sections on this page, select "Submit."
  2. After selecting "Submit" a page labeled "Confirm Transfer" will open. Review the settings you selected for the external transfer for accuracy, read the "ACH Origination Terms and Conditions Agreement" and select "Confirm" if the information is accurate and you agree to the terms and conditions.
  3. After selecting "Confirm," the next page should confirm the transfer request has successfully been submitted and will provide a summary of the transaction settings. You may print this page for your records and, when you are done, select "Done."

Success!
After completing the above steps you will be returned to the "External Transfers" page and a new section labeled "Activity" should be visible. Any external transfers you have set up that are currently active will be listed here.

Quicken One Step Update

If you are experiencing complications with your account connecting to Quicken, you may need to reset the connection by deactivating and then reactivating the one step update option in Quicken. To do so, follow these steps:

  1. Open Quicken and press the Ctrl + A key and this will bring up the account list. In this window you will see all the accounts that are configured in Quicken. You will see an "Edit" button to the right of each account.
  2. Click on the "Edit" button. This opens a new window with tabs on the top. They are "General", "Online Services" and "Display Options." Click on the "Online Services" tab and select "Deactivate."
  3. After clicking "Deactivate," you will be prompted to select "Yes" or "No." Click "Yes." Now one step update should be turned off.
  4. Once you have deactivated one step update, log in to your EFCU account and manually download your accounts into Quicken. To do so, for each account you wish to link to Quicken, open the account details and select "Quicken (QFX)" from the dropdown at the bottom right corner of the page and click "Download."
    screenshot
  5. After clicking "Download," you should see a box asking to link or create a new account. Make sure you select "Create a new account" and choose the correct account type from the dropdown menu before clicking "Import."
    screenshot
  6. You will need to repeat steps 4 and 5 for each account you wish to have setup in Quicken.
  7. To turn Quicken One Step Update back on, click on the Set up now button. This will bring up a window asking for your username and password. (Please note, if you are still using your account number as your username, you should input your exact 5 or 6 digit account number with no leading zeros.) Follow the steps to finish activation.

Mobile Deposits

If you are experiencing difficulty with the mobile app accepting a check deposit, please consider the following:

  • The endorsement
    If you receive an error message regarding your endorsement:
    • Be sure to sign the back of the check with your name, today's date and the phrase "for mobile deposit only at EFCU"
    • "For mobile deposit only at EFCU" must be written on the check clearly
    • Be sure not to write, stamp or sign below the line that instructs you not to do so.
  • Image quality
    If the front or back of the check is denied:
    • try rotating it 180 degrees (if your endorsement is on the right, rotate the check so that it is on the left and vice-versa)
    • making sure there is ambient lighting, the check should be well lit but with no hard shadows
    • make sure there are no creases or wrinkles on the check, if so do your best to smooth them out.
  • Connectivity
    If the check is denied or you receive an "SSO Error" message, it may be that your connection is poor and broke some time between logging in and attempting to perform a mobile deposit.
    • Be sure you have a good connection when attempting a mobile deposit.
    • It may help to turn off your wifi or cellular data, whichever signal is weaker.
  • Other Info

    Cross Account Authorization
    When depositing a check through the app, it will prompt you to select a suffix and displays a list of available suffix types (checking, savings, etc). If you have cross-account authorization with another member, we recommend nicknaming your suffixes to avoid confusion when depositing a check through the app, as it can sometimes be difficult to determine which suffix belongs to who.