EFCU Home Equity Loans and Lines of Credit

U.S. Military

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

U.S. Government*

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

*This list may not be all inclusive.

U.S. Government Contractors

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

Non-Appropriated Funds Activities

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

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

VEHICLE TYPE	TERM	APR* (as low as)
New or Used Up to 2 Years Old	84 Months	4.49%
New or Used Up to 2 Years Old	74 Months	3.49%
New or Used Up to 3 Years Old	66 Months	2.79%
Used 4 & 5 Years Old	64 Months	3.49%
Used 6 to 10 Years Old	54 Months	3.99%
Used 11 to 15 Years Old	48 Months	4.49%

Insurance Requirements

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

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,000	60 Months	5.00%
Over $10,000	72 Months	6.75%
Over $20,000	84 Months	7.25%

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

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

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.

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

Maximum Loan Amounts & Restrictions - Fixed Conventional

1. Requires EFCU Membership.
2. Loans from $25,000 to $484,350
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.

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!

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

Maximum Loan Amounts & Restrictions - Fixed Conventional

1. Requires EFCU Membership.
2. Loans from $25,000 to $484,350
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.

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!

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

Maximum Loan Amounts & Restrictions - Fixed Conventional

1. Requires EFCU Membership.
2. Loans from $25,000 to $484,350
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.

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.

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

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.

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

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

Maximum Loan Amounts & Restrictions - Unimproved Property

1. Requires EFCU membership.
2. Loans from $5,000 to $150,000.
3. Loanable equity is determined by 80% of appraised value or purchase price; whichever is less; or 100% of tax assessed value
4. Property must be residential or non-commercial raw land, 20 acres or less.
5. 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.
6. A Mortgage Services team member may be in touch should we find that further information is needed pertaining to your loan request.

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

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MAX TERM	APR*
9 months	5.50%

BILL PAYER AGREEMENT

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.

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.

How do I sign up?

You may enroll for eStatements online through Home Branch. If you don't have Home Branch, you may download an application here. Primary members on accounts may sign up for service online through Home Branch.

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 through the Menu of services listed in Home Branch.

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 access to EFCU Home Branch. You will need a computer 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 Home Branch 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 accessing my Home Branch?

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?

No, however, your Mastercard statements and transactions can be viewed on the eZCard website. While logged into Home Branch you can click on Accounts / Accounts Summary / Credit Card Description to be redirected and logged into the eZCard website where you will be able to access your account details.

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.

Car, Truck or Van Loan

Boat Loan

Motorcycle Loan

Recreational Vehicle Loan

Personal Watercraft Loan

Personal Signature Loan

Line of Credit Signature Loan

Platinum Mastercard

Rewards Mastercard

HELOC Mastercard

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