Routing Number: 263178070

EFCU Membership


Accidents can happen anytime. Be prepared.

A serious or fatal accident could change your family's life in a heartbeat. In fact, accidents are the third leading cause of death for people of all ages.*

Are you eligible?

Your place of employment, your residence or where you attend school or worship can qualify you for membership. Use our simple tool to see if you are eligible.

Select Employee Groups (SEGs)

As a Select Employee Group, the employees, associates and members of your organization become automatically eligible to join EFCU. Select the appropriate link below to petition for your organization to become a SEG today.

Eligibility Qualifications

Click any of the links below to view details about the qualifications to become a member of EFCU.


A Regular Share Savings Account is required to establish and maintain membership with EFCU.

  • Open with $5 to establish your membership.
  • No monthly service fee.
  • Balances $50 and over earn quarterly dividends.

 Lifetime Membership

Once a member, always a member.* Services such as online account access via a browser or the EFCU Mobile App, COOP ATMs and Shared Branch provide convenient access to your account no matter where you live.

*Maintain your account for life with a minimum $5.00 balance, a good address and at least one transaction each year.

 Verification of Identity

Federal Law requires financial institutions to obtain, verify and record information that identifies anyone (member, joint owner, custodian, guardian, trustee, Power of Attorney) who opens or signs on an account.

We require the following:

  • Social Security/Tax ID Number (must be U.S. citizen or permanent resident alien)
  • Date of birth
  • Current residential address
  • U.S. Government issued ID (one of the following):
    • Driver's License, Learner's Permit, or Non-Driver ID issued in U.S. or a U.S. territory (please note: We cannot accept a driver's license with a temporary status)
    • U.S. Military ID - Retired or Dependent
    • Department of Defense - Civilian or Contractor's Identification Card
    • U.S. Passport Book