Secure your future with confidence.
Maximum Loan amounts on Share Secured Loans pledging from Regular Share Savings (S1) or Very Important Purpose Savings (S4) are based on the available amount in the account pledged and have a repayment period of 84 months at an annual percentage rate (APR) of 2.00%. Maximum Loan amounts on Share Secured Loans pledging from Money Market Accounts (S7) are based on the available amount in the account pledged and have a repayment period of 84 months at an annual percentage rate (APR) of 2.5%. Maximum Loan amounts on Share Secured Loans pledging from Share Certificates are based on the available amount in the share certificate and require repayment on the maturity date of the share certificate at an annual percentage rate (APR) of 3% above the share certificate rate.
Requires Eglin FCU membership. Rates provided are current as of Tuesday, October 14, 2025 and are subject to change.
| Loan | 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 | 2.5% |
| Share Certificate Loan | Value of the Share Certificate pledged | Paid at maturity of Share Certificate | 3% above Share Certificate Rate |
*APR = Annual Percentage Rate.
Sample Repayment: For a $3000 Share Secured Loan over a term of 84 months at an APR of 2.00%, the approximate monthly payments would be $38.27.
Our Share Secured Loan is a credit-builder loan. Our Share Secured Loan is great for building your credit.
We do not offer Share Secured Loans for businesses.
To apply for a Share Secured Loan, please visit a local branch during business hours or apply online.
How do I make a payment to my loan?
You have several convenient options for making loan payments. Make a loan payment by transferring funds from your Eglin FCU Checking or Savings account through our Online Banking service or Mobile App. You can also use the External Transfers feature within Online Banking or the Mobile App to make a payment to your loan from your checking or savings account at another financial institution. If you prefer, you can request to make a loan payment at one of our Video Teller machines during business hours, or you can visit any of our local branches to make a loan payment in person. If none of these options suit you, sending your loan payment with a check via mail is always an option. If you need more information on loan payment options, please call us at 850.862.0111, Option 2, or visit one of our branch locations during business hours.
Can I change the terms of my loan?
To discuss whether you can make any changes to your loan please call 850.862.0111, Option 2, or visit a branch during business hours.
Can I change the payment due date of my loan?
To determine if you can change the due date on your loan, please call us at 850.862.0111, Option 2, or visit a branch during business hours.
We must first review your loan to determine if any changes can be to your loan payment due date.
What is a loan deferral and do you offer this service?
A loan deferral is a pre-approved, temporary break from making payments on a debt you owe, including personal loans. For loan deferral questions please contact us by calling 850.862.0111, Option 2 or visit a branch during business hours.
Do you offer student loans?
We do not offer student loans at this time. If you have any other financial needs or questions, we're here to help!
Can I use a personal loan to pay for tuition, books, and other educational expenses?
No, the personal signature loan is a closed-end loan that may not be used for a student's educational purposes. Student loans have specific benefits and protections designed for educational expenses, which require specific notice and disclosure. The Credit Union policy does not offer closed-end loan options specifically designed for student loan purposes. However, we do offer open-end lines of credit and credit cards that may be used for educational purposes.
Can I use a personal loan to pay for tuition, books, and other educational expenses? No, personal loans cannot be used as student loans. Student loans have specific benefits and protections designed for educational expenses, require specific notice and disclosure. The Credit Union policy does not offer closed-end loan options specifically designed for student loan purposes. However, we do offer open-end lines of credit and credit cards that may be used for educational purposes.
What is an unsecured loan?
An unsecured loan is a type of loan that doesn't require any collateral. Unlike secured loans (which rely on assets like property or vehicles), unsecured loans are approved based on the borrower's creditworthiness. Examples of unsecured loans include personal loans and credit cards. These loans typically come with higher interest rates because they pose more risk to lenders.
Can I have more than one joint borrower or guarantor on a loan? There is no limit on how many joints or guarantors can be on a loan.
Do you offer business loans?
We do not currently offer any loans for businesses.
Do you offer preapproved loans? We do offer preapprovals on some loan collateral types such as auto, boat and motorcycles. If you are seeking a preapproval for a loan, please apply online or visit a branch during business hoursto start the loan application process. We also offer preapproved Auto Loans (PALs) semiannually during our Spring and Fall Auto Loan Promotions to members who qualify.
I am having trouble making my loan payment, can you help me?
If you're having difficulty making payments on your Eglin FCU loan or credit card, please reach out to us. We're here to help you explore available options to get your finances back on track. Give us a call at 850.862.0111, Option 4, or visit a branch during business hours.
My Checking Account was closed because of an overdue loan or credit card, how can I restore my Checking Account?
If your Checking Account was closed due to an unpaid loan or credit card, please contact us at 850.862.0111, Option 4, or visit a branch during business hours so that we can review your account status and determine what options may be available.
My Checking Account was closed because of an overdue loan or credit card, how can I restore my Checking Account? If your Checking Account was closed due to an unpaid loan or credit card, there may be several issues to address. Please contact us at 850.862.0111, Option 4 or visit a branch during business hours so that we can review your account status and determine the best steps to take.
How can I view my loan history?
Members with access to Online Banking or Mobile App may view their accounts to include loan details and history. Once logged in, you can access your loan details and history. We are able to assist members without online account access by phone, through secured email or text, or in a branch location. If you are interested in signing up for online account access, please visit eglinfcu.org/onlinebanking. For questions about your loan, please contact us at 850.862.0111, Option 2, or visit one of our branch locations during business hours.
We do not currently offer business accounts. We do not offer a business account for an LLC.
We do not offer sole proprietorship accounts.
We do not offer business loans for LLCs
We do not offer loans for LLCs.
We do not offer business accounts or business loans. We do not offer a business account or a business loan for an LLC.
We do not offer any relief options for businesses at this time.
We do not offer any peer-to-peer lending services at this time.
If you are looking to build your credit, we recommend our Savings Assistance Loan or our Share Secured Loan.
From time to time we offer prequalifications for Auto Loans, personal loans and credit cards to our members but we do not offer this service on request. However, if you are seeking a preapproval for a loan, please apply online or visit a branch during business hours to start the loan application process.
Routing Number: 263178070
*APR = Annual Percentage Rate.
