We recognize David Scott Lee Buick GMC for their exceptional service during the 2nd quarter of 2023.
browse David Scott Lee Buick GMC inventory
When considering your next vehicle purchase, visit these dealerships for EFCU financing on the spot.
Shop participating dealer inventories and get EFCU financing at the dealership, even on weekends.
Before you buy a vehicle, protect yourself with a CARFAX report. Members can receive a discounted CARFAX report for only $20.
Cancel or waive your loan payment(s) up to the contract maximums if a protected event such as disability, loss of life, or involuntary unemployment occurs.
Visit fueleconomy.gov to learn more about vehicle fuel efficiency and more.
Get $50 back on your auto purchase, restrictions apply. Print the AutoCash coupon and take it to the dealership when you go to make your purchase.
Shopping for a new or used vehicle can be a hefty process but doesn't have to be stressful.
Shopping for a new or used vehicle is an important task but it doesn't have to be stressful. Preparation is key to getting a good deal on your big investment. Whether it's your first time looking for a vehicle or you want to trade up to a new or used vehicle, this simple guide is full of helpful information for every stage of the auto buying process.
With any large investment, it is important to establish your budget first. If you're looking to finance, our auto loan payment calculator is available to help you get a sense of various monthly loan payment amounts and the amount you could be paying over the term of your loan. With your budget and personal preferences in mind, you can then decide how much you want to spend on a new or used vehicle. If you receive an EFCU pre-approved auto loan (PAL) by mail or through our online banking platforms, be sure to have it readily available as you shop for your next vehicle. PALs outline how much you can spend when auto shopping and can essentially place bargaining power right in the palm of your hands.
If you do not have a PAL, you can apply for an auto loan directly from our website. It may also help if you review your credit history before you begin shopping, you can get a free credit report at annualcreditreport.com.
It is important to take your time and look to multiple sources to find the vehicle you want at the right price. When you're ready to begin your search, take advantage of the hassle-free AutoSMART online purchasing program. Here you can search streamlined inventories of participating dealers in our network right from your home. You can also visit any of our participating 5 Star Dealers. Regardless of your preference, your EFCU auto loan can be financed on the spot through any of these participating dealerships - even after-hours and on weekends!
When you find a vehicle you like, do some investigation. Research new and used auto values through the J. D. Power Values Pricing Guide. This pricing guide will help determine what a vehicle is worth and can also serve as a powerful negotiation tool. The annual percentage rate (APR), term and maximum loan amount on your EFCU auto loan is based on the vehicle's model year, MSRP Value (new vehicles), J. D. Power Values Retail Value (Used vehicles up to 1 year old) and J. D. Power Values Clean Trade Value (Used vehicles 2 to 15 years old). We also offer EFCU members a discounted CARFAX to assist with determining a used vehicle's history.
You may also find the information available through the Consumer Reports website helpful. Reading what vehicle experts and owners have to say about safety features and performance regarding your potential purchase can provide excellent insight before you buy. If you plan to trade in a vehicle, you should also research its value before you begin negotiations.
When you find the vehicle you want, it is important to use all the information you've researched in order to obtain the best deal. If you've done your research, you'll know if the seller is asking a fair price or offering a fair price for your trade-in. Be sure to use your pre-approved auto loan from Eglin Federal Credit Union. If you are financing with EFCU and purchasing at a dealership participating in the AutoCash program, remember to submit your AutoCash coupon for a $50 gift card.
Once you receive the keys to your vehicle, do your happy dance!
Afterwards, think what you can do to protect yourself and your new investment. EFCU has partnered with TruStage to provide auto insurance quotes for your new or used vehicle so that you, your investment and passengers are protected in the event of collision, injury, and/or loss. As an added benefit, your membership with EFCU can result in some sweet savings on auto insurance.
Guaranteed Asset Protection (GAP) can help fill the gap between what your vehicle insurance will pay and what you owe on your loan, to cushion you against sudden out of pocket expenses if your vehicle is totaled or stolen. GAP can help lighten the financial burden for you and the people you care about. Get GAP today so you can worry a little less about tomorrow. GAP is voluntary, competitively priced, and can be added to your auto loan at any time.
Debt Protection is another voluntary loan protection product that may be added to your auto loan at any time. Debt Protection could cancel your loan balance or payments up to the contract maximums if a protected event such as sickness or injury, loss of life, or involuntary unemployment occurs.
EFCU is here to help you through all stages of the auto buying process so you can be prepared, informed, and enjoy the road ahead. Give us a call at 850.862.0111 or stop by any EFCU branch to get started.
Routing Number: 263178070 *APR = Annual Percentage Rate.
©2023 Eglin Federal Credit Union. Eglin Federal Credit Union is Federally Insured by NCUA. Equal Housing Lender (NMLS 440642). Equal Opportunity Employer. Information submitted to EFCU via email is not encrypted and may not be secure. Links to other sites are provided as a convenience to our visitors. The Credit Union is not responsible for the availability, content, or privacy practices of any linked site. Images used for representational purposes only; do not imply government endorsement. If you experience any problems accessing our website or using online services, please call 800.367.6159 during our normal business hours (Monday-Friday 9am-5pm CST, excluding federal holidays).
When you receive a collateral loan from EFCU you'll need to agree to maintain adequate insurance coverage.
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Questions? Call 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 | 5.99% |
| New or Used Up to 10 Years Old | 74 Months | 6.49% |
| New or Used Up to 10 Years Old ($20k +) | 84 Months | 7.49% |
* 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 Friday, September 22, 2023 and are subject to change
A New Auto is one that has never been titled. A Used Auto is one that has previously been titled.
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
| Loan value | Loan term | APR*(as low as) |
| Up to $10,000 | 60 Months | 6.75% |
| Up to $25,000 | 120 Months | 7.75% |
| Up to $50,000 | 144 Months | 8.00% |
| Over $50,000 | 180 Months | 8.00% |
| Loan value | Loan term | APR*(as low as) |
| Up to $10,000 | 60 Months | 7.75% |
| Up to $25,000 | 120 Months | 8.75% |
| Up to $50,000 | 144 Months | 9.00% |
| Over $50,000 | 180 Months | 9.00% |
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
| Loan value | Loan term | APR*(as low as) |
| Up to $10,000 | 60 Months | 6.75% |
| Over $10,000 | 120 Months | 7.75% |
| Over $25,000 | 144 Months | 8.00% |
| Over $50,000 | 180 Months | 8.00% |
| LOAN VALUE | LOAN TERM | APR*(as low as) |
| Up to $10,000 | 60 Months | 7.75% |
| Over $10,000 | 120 Months | 8.75% |
| Over $25,000 | 144 Months | 9.00% |
| Over $50,000 | 180 Months | 9.00% |
| Loan value | Loan term | APR*(as low as) |
| Up to $10,000 | 60 Months | 6.00% |
| Over $10,000 | 72 Months | 7.75% |
| Over $20,000 | 84 Months | 8.25% |
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
| Loan value | Loan term | APR*(as low as) |
| Up to $10,0001 | 48 Months | 7.00% |
| Over $10,0002 | 60 Months | 7.00% |
| Loan term (up to) | APR*(as low as) |
| 60 Months | 6.00% |
Questions?
Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
| 30 year | 7.00% | 0% | 0 |
| 20 year | 6.750% | 0% | 0 |
| 15 year | 6.50% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
| 30 year | 7.00% | 0% | 0 |
| 20 year | 6.750% | 0% | 0 |
| 15 year | 6.50% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
| 30 year | 7.00% | 0% | 0 |
| 20 year | 6.750% | 0% | 0 |
| 15 year | 6.50% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| INTEREST RATE | MAXIMUM COMBINED LTV** (TLTV) |
| 6.50% APR* | 80% |
| Interest Rate | Minimum Advance | Closing Costs |
| 8.50% APR* | $5,000** | NONE** |
*APR = Annual Percentage Rate. The APR will vary based on the Wall Street Journal Prime Rate which was 8.50% as of 7/27/2023. Rates and terms are subject to change without notice. The maximum APR will not exceed 18%.
**If you chose to participate in our current Home Equity Line-of-Credit Plan Promotion, EFCU will pay closing costs for bona-fide third party fees (except for an appraisal or costs associated with a purchase/deed) up to $3,000. Member agrees to reimburse Eglin Federal Credit Union for the bona-fide third party fees paid if the Plan is closed within 36-months of the loan origination date. A minimum advance of $5,000 will be required at closing with this promotion.
Maximum Loan Amounts & Restrictions - Home Equity Line of Credit
Questions?
Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| MAX TERM | APR* |
| 5 years | 8.50% |
| 10 years | 9.00% |
Questions?
Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| MAX TERM | APR* |
|---|---|
| 9 months | 5.50% |
| LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
| 42 Months | 8.90% | $20,000 |
| LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
| ------ | 8.90% | $20,000 |
| REPAYMENT PERIOD | APR* | MAX LOAN AMOUNT |
| 120 days | 16.9% | $500 |
| REPAYMENT PERIOD | APR* as low as | MAX LOAN AMOUNT |
| 42 Months | 13.90% | $3000 |
| REPAYMENT PERIOD | APR* as low as | MAX LOAN AMOUNT |
| 42 Months | 5.00% | $2000 |
| LOAN TYPE | MAX LOAN AMOUNT | REPAYMENT PERIOD | APR* |
| Share Loan Pledging S1 or S4 | Available balance in account pledged | 84 months | 2.00% |
| Share Loan Pledging S7 | Available balance in account pledged | 84 months | 2.50% |
| Share Certificate Loan | Rate is 3% above Share Certificate Rate. Maximum term is Maturity of Share Certificate. | Paid at maturity | 3% above Share Certificate Rate |
| PREMIUM CHECKING | DIVIDEND RATE | APY* |
| A $500 minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 0.05% | 0.05% |
| REGULAR SHARE SAVINGS | DIVIDEND RATE | APY* |
| A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 0.35% | 0.35% |
| 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. | 0.35% | 0.35% |
| 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. | 0.35% | 0.35% |
| 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. | 0.35% | 0.35% |
The Current APY and Dividend Rates shown are the current weekly rates in effect from 9/22/2023 - 9/28/2023. 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 Balance |
Current Dividend Rate |
Current APY* |
Previous Dividend Rate |
Previous APY* |
| $.00 to 2,499.99 | 0.05% | 0.05% | 0.05% | 0.05% |
| $2,500.00 to 9,999.99 | 0.95% | 0.95% | 0.95% | 0.95% |
| $10,000.00 to 24,999.99 | 1.00% | 1.01% | 1.00% | 1.01% |
| $25,000.00 to 49,999.99 | 1.05% | 1.06% | 1.05% | 1.06% |
| $50,000.00 & up | 1.10% | 1.11% | 1.10% | 1.11% |
| 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. | 0.35% | 0.35% |
A $50 daily minimum balance is required to earn dividends. All Current APY and Dividend Rates shown are the current weekly rates in effect on 9/22/2023. 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 | 3.95% | 4.03% | 3.85% | 3.92% |
A $50 daily minimum balance is required to earn dividends. All Current APY and Dividend Rates shown are the current weekly rates in effect on 9/22/2023. 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 | 3.95% | 4.03% | 3.85% | 3.92% |
A $2500.00 minimum deposit required. There is a penalty for early withdrawal.
Rates listed are current from 9/22/2023 - 9/28/2023.| CERTIFICATE TYPE | DIVIDEND RATE | APY* |
| 31 Days / 1 month Certificate | 2.50% | 2.53% |
| 92 days / 3 month Certificate | 2.50% | 2.53% |
| 182 days / 6 month Certificate | 3.00% | 3.04% |
| 365 days / 12 month Certificate | 4.25% | 4.33% |
| 548 days / 18 month Certificate | 4.35% | 4.44% |
| 730 days / 24 month Certificate | 3.95% | 4.02% |
| 1095 days / 36 month Certificate | 3.85% | 3.92% |
| 1460 days / 48 month Certificate | 3.75% | 3.82% |
| 1825 days / 60 month Certificate | 3.65% | 3.71% |
| Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | as low as 7.9% up to 14.9% The APR is determined at account opening and is based on the borrower's credit score. |
| Penalty APR | None |
| Paying Interest | Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| International Transaction | None |
| Penalty Fees | |
| Late Payment | $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. |
| Over-the-Credit-Limit | None |
| Returned Payment | Up to $28.00 |
| Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | as low as 8.9% up to 15.9% The APR is determined at account opening and is based on the borrower's credit score. |
| Penalty APR | None |
| Paying Interest | Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| International Transaction | None |
| Penalty Fees | |
| Late Payment | $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. |
| Over-the-Credit-Limit | None |
| Returned Payment | Up to $28.00 |
When you received your loan you agreed to maintain adequate insurance coverage. If your insurance information has changed or you receive a letter stating we do not have proper documentation, you should provide us with a copy of your insurance declarations page (not your insurance card). The declarations page must show the following information:
Eglin Federal Credit Union uses small text files called cookies to collect anonymous Web site traffic data. This information helps improve our Web services. Our cookies do not collect or store any personally identifiable information.
To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens or signs on an account.
When you open an account, we will ask you for your name, physical address, date of birth and other information that will allow us to identify you.
Please refer to the following guidelines for providing your account number:
In compliance with The Secure and Fair Enforcement for Mortgage Licensing Act, also known as the SAFE Act, we are providing a list of EFCU's registered mortgage loan originators and their Nationwide Mortgage Licensing System (NMLS) number. The SAFE Act was passed to ensure the integrity of the Mortgage Lending system by establishing a set of standards that specific mortgage professionals must meet in order to work in the mortgage industry.
| EFCU Mortgage Professional | NMLS ID |
| Ann Creager | 1561554 |
| Ashley Hall | 1011145 |
| Brian Mark Franks | 1296056 |
| Carole Stanley | 1482257 |
| Carrie Ann Calcutt | 2064000 |
| Christina Walker | 1714720 |
| Christy Milian | 490970 |
| Cynthia Bower | 2064007 |
| Edith Darlene Sheppard | 1007643 |
| Jennifer Leigh Wyatt | 2329051 |
| John Pellerin | 1011113 |
| John Francis Stackpoole | 2398303 |
| Judith Anne Turner | 2311448 |
| Kayla Michelle Smith | 2177769 |
| Lilly B. Edra | 2041564 |
| Lisa Diane Freeland | 2367009 |
| Mary Ann Geoghagan | 2329070 |
| Michelle (Beth) Bethanne Meverden | 2460346 |
| Michele (Shellie) Marie Colaizzi | 798447 |
| Mindy Danielle Dumas | 2496680 |
| Nakia Cherelle Woodley | 2080609 |
| Nikita LaShon Torres | 1849764 |
| NormaJean Enlow | 1212774 |
| Rebecca Jean Snow | 2484799 |
| Ruby Tincher | 1212771 |
| Sheeny Marquez Satulan | 2237420 |
| Susan Castillo Dombrigues | 490967 |
| Tatyana Galenkova | 2063947 |
| Teally Goodson Gorey | 2421096 |
| Tiffany Michelle Cadogan | 1867034 |
| Yolanda Harrison | 805809 |
| Zena Payne | 490969 |
| Eglin FCU | 440642 |
eStatements provide online access to your account statements instead of by mail. Besides being an excellent way to help our environment, going paperless is also a fast, convenient and safe way to view your monthly statement. This service is free to all EFCU members and can be cancelled at any time. To receive eStatements, Online Banking is required.
Set up eStatements today by logging in and selecting 'eStatements' under the 'eServices' tab in the main navigation.
We recommend that members with Online Banking log in to make these changes in the "Contact Information" section under the "My Profile" tab.
Please note: For the safety and security of our members, some services may be limited for up to 30 days after an address change. Print the Change of Contact Information form to submit it in person at an EFCU branch.
Complete the skip-a-pay form to agree to the terms* and request your preference to skip your next loan payment on your EFCU loan product. Please note: It may take up to 2 business days to process your request. If submitted via DocuSign, you will receive a confirmation email when your request has been processed. If you have questions or need additional assistance, please call 850.862.0111 or 800.367.6159.
*Subject to approval. Your account must be in good standing. This offer is subject to a $20 processing fee for each loan payment skipped. Only one skip allowed per loan per calendar year. 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.
| Holiday | Date |
| Memorial Day | Mon, May 29, 2023 |
| Juneteenth Nat'l Independence Day | Mon, June 19, 2023 |
| Independence Day | Tues, July 4, 2023 |
| Labor Day | Mon, Sept. 4, 2023 |
| Columbus Day | Mon, Oct. 9, 2023 |
| Veterans Day (observed) | Fri, Nov. 10, 2023 |
| Thanksgiving Day | Thurs, Nov. 23, 2023 |
| Christmas Day | Mon, Dec. 25, 2023 |
| Name | Title |
| Jerry Williams | President/Chief Executive Officer |
| Cathie Staton | EVP/Chief Strategy Officer |
| Kenny Girot | SVP/Chief Growth Officer |
| Gina Denny | SVP/Chief Human Resources Officer |
| Tim Farnsworth | SVP/Chief Technology Officer |
| C. Grant | SVP/Chief Financial Officer |
| Rocky Magee | SVP/Chief Information Officer |
| Kim Nauta | SVP/Chief Operations Officer |
| Dawn Oravetz | SVP/Chief Payments Officer |
| Jon Heidt | SVP Risk Management |
| Laura Coale | VP, Marketing/PR |
| Bron Ringstad | VP, Branch Operations |
| Neko Stubblefield | VP, Membership/Community Development |
| Name | Title |
| William S. Rone | Chair |
| Daniel McInnis | Vice Chair |
| Robert Harlan | Secretary/Treasurer |
| Richard Adams | Director |
| J. Russ Corbitt | Director |
| Barbara Patty | Director |
| James Pitts | Director |
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