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Surcharge-Free
ATMs
EFCU
ATMs
EFCU
Branches
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Branch Locations & Hours

Open Monday - Friday, closed on federal holidays. To call a specific branch, dial 850.862.0111 or 800.367.6159 and then the associated 4-digit extension.
 Please send any and all loan payments to our main branch at 838 Eglin Parkway NE, Fort Walton Beach, FL 32547.
Bluewater Bay: x.2141
4558 Hwy 20
Niceville, FL 32578

Destin: x.2341
180 Main Street
Destin, FL 32541

Eglin AFB: x.2441
Bldg 601 Eglin Blvd
Eglin AFB, FL 32542

Fort Walton Beach: x.1141
838 Eglin Pkwy NE
Fort Walton Beach, FL 32547

Hurlburt Field: x.2541
Bldg 91016, 108 Lielmanis Ave
Hurlburt Field, FL 32544

Mary Esther: x.2641
321 Hollywood Blvd
Mary Esther, FL 32569

Navarre: x.2741
9830 Navarre Pkwy
Navarre, FL 32566

North Crestview: x.2841
1127 Industrial Dr
Crestview, FL 32539

South Crestview: x.2241
1498 S Ferdon Blvd
Crestview, FL 32536

EFCU ATMs

 Click the name of the city to see a list of ATMs in that area.
7th SFG
Camp Rudder
Crestview
Defuniak Springs
Destin
Duke Field
Eglin AFB
Fort Walton Beach
Hurlburt Field
Mary Esther
Navarre
Navy EOD School
Niceville
Withdrawals from ATMs are limited to $500 per day. Point-of-sale transactions (purchases) have a daily limit of $3,000 if made in person and a $500 daily limit if made by phone or mail. Lower limits will apply if the ATM or POS terminal is unable to access our computer for authorization.
A word of caution about using your EFCU Debit card for recurring monthly payments. To cancel a service or stop payment of a transaction made on the Internet or by phone with your debit card, you must contact the merchant or service provider for action.

Surcharge-Free ATMs

 Click the name of the city to see a list of ATMs in that area.
Baker
Bonifay
Brewton
Cantonment
Chipley
Choctaw Beach
Cottondale
Crestview
Defuniak Springs
Destin
Enterprise
Flomaton
Florala
Foley
Fort Walton Beach
Gulf Breeze
Laurel Hill
Luverne
Lynn Haven
Marianna
Mary Esther
Milton
Molino
Navarre
Niceville
Opp
Orange Beach
Pace
Panama City
Paxton
Pensacola
Pensacola Beach
Ponce de Leon
Santa Rosa Beach
Sneads
Stapleton
Valparaiso
Wausau

Click the logos shown below for more Network ATM Locations:
COOP Network

accel

Mastercard ATM Locations

Cirrus ATM Locations

AFFN ATM Locations

Withdrawals from ATMs are limited to $500 per day. Point-of-sale transactions (purchases) have a daily limit of $3,000 if made in person and a $500 daily limit if made by phone or mail. Lower limits will apply if the ATM or POS terminal is unable to access our computer for authorization.
A word of caution about using your EFCU Debit card for recurring monthly payments. To cancel a service or stop payment of a transaction made on the Internet or by phone with your debit card, you must contact the merchant or service provider for action.

CO-OP ATMs

COOP Network ATM Logo
EFCU members pay no surcharge and no network fees at more than 30,000 CO-OP ATMs nationwide. Popular CO-OP ATM Locations include:Publix, Costco, Rite-Aid, 7-Eleven, Circle K, Dunkin Donuts and more.

CO-OP offerings include a Mobile App, Text Locator and Phone Services.

Locate CO-OP ATMs & Learn More About Additional Services

CO-OP Shared Branch

 COOP SHared Branch Network Logo
Through CO-OP Shared Branch, credit unions from all over the country are connected to give members thousands of convenient locations to perform transactions just as if they were in their home credit union. Whether you are at work, home, or your favorite travel destination, EFCU is always nearby.

CO-OP offerings include a Mobile App, Text Locator and Phone Services.

Locate CO-OP Shared Branches & Learn More About Additional Services