Eglin Federal Credit Union

Routing Number: 263178070

Personal Signature Loan

This unsecured loan may be available for members who either do not want or do not qualify for a line of credit. The funds can be used for any purpose such as debt consolidation, home or auto repairs, or other unexpected expenses. To learn more or to apply for a Personal Signature Loan, visit a branch or call us at 850.862.0111850.862.0111.

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APPLY FOR A PERSONAL SIGNATURE LOAN

Line of Credit Signature Loan

A Line of Credit Signature loan is an open-end, revolving account with a credit limit established when the loan is opened. You may access the credit limit by writing X-Press Chex, making a cash advance at a teller window, using a debit card at an ATM, or by making a transfer to another suffix in Home Branch. There are no fees for accessing the credit limit. You may also request the Line of Credit be used for overdraft protection for your EFCU Checking account.

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APPLY FOR A LOC SIGNATURE LOAN

Safe Loan

EFCU Salary Advance for Emergency (SAFE) Loans are an alternative to payday loans. To learn more or to apply for a SAFE Loan, visit a branch or call us at 850.862.0111850.862.0111.

Guarantor Loan

A member who has difficulty getting approved on their own may consider having a qualified guarantor apply with them. The guarantor must qualify for the loan and agrees to be liable in the event the primary borrower defaults. To learn more or to apply for a Guarantor Loan, visit a branch or call us at 850.862.0111850.862.0111.

Savings Assistance Loan

Our Savings Assistance Loan (SAL) enables individuals to receive up to $2,000 with low monthly payments and a low interest rate. With a good repayment record, the SAL can be great way to rebuild your credit or establish new credit. To learn more or to apply for a SAL, visit a branch or call us at 850.862.0111850.862.0111.

Share Secured Loans

Share Secured Loans are a good way to build credit or make any necessary purchases without spending your savings. Share Secured Loans borrow against your savings in exchange for a low-rate loan, while still earning interest on your savings. To learn more or to apply for a Share Secured Loan, visit a branch or call us at 850.862.0111850.862.0111.

Eglin FCU Debt Protection

EFCU Eagle

Eglin FCU Debt Protection is a voluntary loan protection product that will 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.

Learn more about Debt Protection

PERSONAL SIGNATURE LOAN RATES & TERMS

PERSONAL SIGNATURE LOAN

LOAN TERM	APR* as low as	MAX LOAN AMOUNT
42 Months	13.90%	$20,000

*APR = Annual Percentage Rate.
The above rates are current as of Saturday, October 21, 2017 and are subject to change.

Terms & Conditions - Personal Signature

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

LINE OF CREDIT SIGNATURE LOAN RATES & TERMS

LINE OF CREDIT SIGNATURE LOAN

LOAN TERM	APR* as low as	MAX LOAN AMOUNT
42 Months	12.90%	$20,000

*APR = Annual Percentage Rate.
The above rates are current as of Saturday, October 21, 2017 and are subject to change.

Terms & Conditions - Line of Credit Signature

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

SAFE LOAN RATES & TERMS

SAFE LOAN

REPAYMENT PERIOD	APR*	MAX LOAN AMOUNT
120 days	16.9%	$500

*APR = Annual Percentage Rate.
The above rates are current as of Saturday, October 21, 2017 and are subject to change.

Terms & Conditions - SAFE Loan

Your EFCU account must be in good standing and have been opened for at least 30 days.
You must be with your current employer for at least two months.
Your payroll must be direct deposited to your Eglin FCU account.
The loan amount is limited to ½ of your monthly pay or $500, whichever is less.
You must bring in your most current pay statement to establish a SAFE loan.
Payments can be made automatically by payroll deduction.
You can only have one SAFE Loan at a time. Your SAFE Loan must be paid off before applying for another loan.
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.
Only four SAFE Loans are allowed during one calendar year.
Minimum payment is $25 weekly or $50 bi-weekly/semi-monthly or $100 monthly.
Payments are due on each payday.

GUARANTOR LOAN RATES & TERMS

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 Saturday, October 21, 2017 and are subject to change.

Terms & Conditions - Guarantor Loans

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

SAL LOAN RATES & TERMS

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 Saturday, October 21, 2017 and are subject to change.

Terms & Conditions - Savings Assistance Loan

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

SHARE SECURED LOAN RATES & TERMS

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 Saturday, October 21, 2017 and are subject to change.
Requires EFCU membership.

AUTOS as low as 2.49 % APR*		BOATS & RVs as low as 4.75 % APR*		MASTERCARD as low as 7.9 % APR*		30yr FIXED 0 points 3.875 % APR*		15yr FIXED 0 points 3.125 % APR*		HELOC no closing costs 4.25 % APR*