850.862.0111
800.367.6159
Routing Number: 263178070 *APR = Annual Percentage Rate.
©2020 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).
Insurance Requirements
Insurance Requirements for Collateral Loans
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:
- A loss payee naming Eglin FCU as lien holder.
- A full collateral description including the Vehicle Identification Number (VIN).
- Comprehensive and collision coverage with a maximum $1,000 deductible.
- The effective and expiration dates of the coverage.
You can submit your insurance information by:
Fax: 913.268.3178
Mail: Eglin Federal Credit Union
Attn: CPI Department
838 Eglin Parkway NE
Fort Walton Beach FL 32547-2781
If you have any questions, please call 800.476.7330, Monday through Friday 8am-5:30pm CST.
Mail: Eglin Federal Credit Union
Attn: CPI Department
838 Eglin Parkway NE
Fort Walton Beach FL 32547-2781
Are you purchasing from any of these dealers?
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Auto Loans
A New Auto is one that has never been titled.
A Used Auto is one that has previously been titled.
| VEHICLE TYPE | TERM | APR* (as low as) |
|---|---|---|
| New or Used Up to 15 Years Old | 66 Months | 2.99% |
| New or Used Up to 10 Years Old | 74 Months | 3.49% |
| New or Used Up to 10 Years Old ($20k +) | 84 Months | 4.49% |
* 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 Sunday, August 9, 2020 and are subject to change
Auto Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Boat Loans
Prior year models and newer are considered new boats. On models that have never been titled, we finance 95% of the purchase price, including sales tax, title and tag fees.
New Boats
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 4.75% |
| Up to $25,000 | 120 Months | 5.75% |
| Up to $50,000 | 144 Months | 6.00% |
| Over $50,000 | 180 Months | 6.00% |
Used Boats (2-7 Years Old)
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 5.75% |
| Up to $25,000 | 120 Months | 6.75% |
| Up to $50,000 | 144 Months | 7.00% |
| Over $50,000 | 180 Months | 7.00% |
* 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 Sunday, August 9, 2020 and are subject to change
Boat Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Recreational Vehicle Loans
Eglin Federal Credit Union considers a Recreational Vehicle as new, regardless of age, if it has never been titled. On models that have never been titled, we finance 95% of the purchase price, including sales tax, title and tag fees.
New Recreational Vehicles
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 4.75% |
| Over $10,000 | 120 Months | 5.75% |
| Over $25,000 | 144 Months | 6.00% |
| Over $50,000 | 180 Months | 6.00% |
Used Recreational Vehicles (2-7 Years Old)
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 5.75% |
| Over $10,000 | 120 Months | 6.75% |
| Over $25,000 | 144 Months | 7.00% |
| Over $50,000 | 180 Months | 7.00% |
* 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 Sunday, August 9, 2020 and are subject to change
RV Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Motorcycle Loans
Eglin Federal Credit Union considers a Motorcycle as new if it has never been titled or register and is 5 years old or newer.
New Motorcycles
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,000 | 60 Months | 5.00% |
| Over $10,000 | 72 Months | 6.75% |
| Over $20,000 | 84 Months | 7.25% |
* 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 Sunday, August 9, 2020 and are subject to change
Motorcycle Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Personal Watercraft
New Personal Watercraft
| LOAN VALUE | LOAN TERM | APR*(as low as) |
|---|---|---|
| Up to $10,0001 | 48 Months | 6.00% |
| Over $10,0002 | 60 Months | 6.00% |
* 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 Sunday, August 9, 2020 and are subject to change
PWC Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Street Legal Golf Carts
New & Used Street Legal Golf Carts (up to 3 years old)
| LOAN TERM (up to) | APR*(as low as) |
|---|---|
| 60 Months | 5.00% |
* 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 Sunday, August 9, 2020 and are subject to change
Golf Cart Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Fixed Conventional Loans
You could save thousands by financing with EFCU.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.
Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.
Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.
Fixed Rate Mortgage
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
|---|---|---|---|
| 30 year | 3.125% | 0% | 0 |
| 20 year | 3.000% | 0% | 0 |
| 15 year | 2.750% | 0% | 0 |
*APR = Annual Percentage Rate. Interest Rates are subject to change at any time and do not constitute a commitment.
Maximum Loan Amounts & Restrictions - Fixed Conventional
- Requires EFCU Membership.
- Loans from $25,000 to $510,400
- 80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
- Property must be owner-occupied, single-family, primary residence
- Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
- Additional fees may apply for cash-out transactions and transactions with secondary financing.
- No underwriting, processing, tax service, document preparation, or administrative fees.
- No origination fees.
- No pre-payment penalty.
Fixed Conventional Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Fixed Conventional Loans
You could save thousands by financing with EFCU.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.
Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.
Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.
Fixed Rate Mortgage
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
|---|---|---|---|
| 30 year | 3.125% | 0% | 0 |
| 20 year | 3.000% | 0% | 0 |
| 15 year | 2.750% | 0% | 0 |
*APR = Annual Percentage Rate. Interest Rates are subject to change at any time and do not constitute a commitment.
Maximum Loan Amounts & Restrictions - Fixed Conventional
- Requires EFCU Membership.
- Loans from $25,000 to $510,400
- 80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
- Property must be owner-occupied, single-family, primary residence
- Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
- Additional fees may apply for cash-out transactions and transactions with secondary financing.
- No underwriting, processing, tax service, document preparation, or administrative fees.
- No origination fees.
- No pre-payment penalty.
Fixed Conventional Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Fixed Conventional Loans
You could save thousands by financing with EFCU.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.
Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.
Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.
Fixed Rate Mortgage
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
|---|---|---|---|
| 30 year | 3.125% | 0% | 0 |
| 20 year | 3.000% | 0% | 0 |
| 15 year | 2.750% | 0% | 0 |
*APR = Annual Percentage Rate. Interest Rates are subject to change at any time and do not constitute a commitment.
Maximum Loan Amounts & Restrictions - Fixed Conventional
- Requires EFCU Membership.
- Loans from $25,000 to $510,400
- 80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
- Property must be owner-occupied, single-family, primary residence
- Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
- Additional fees may apply for cash-out transactions and transactions with secondary financing.
- No underwriting, processing, tax service, document preparation, or administrative fees.
- No origination fees.
- No pre-payment penalty.
Fixed Conventional Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Home Equity Loans
Home Equity loans are available from $5k to $150k for first mortgages (10 year term) or second (5, 10 or 15 year terms) mortgages on owner-occupied, single-family, primary residences.
Home Equity Loan
| INTEREST RATE | MAXIMUM COMBINED LTV** (TLTV) |
|---|---|
| 5.25% APR* | 80% |
*APR = Annual Percentage Rate, rates subject to change at any time. **LTV = Loan to Value
Maximum Loan Amounts & Restrictions - Home Equity
- Requires EFCU Membership.
- Loans from $5,000 to $150,000.
- Available for first or second mortgages.
- First mortgage - 10 year term.
- Second mortgage - 5, 10 or 15 year term.
- Loanable equity is determined by 80% of appraised value and subtracting balance of first mortgage loan.
- Property must be a single-family, primary residence.
- Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
- There will be closing costs involved such as an appraisal, mortgagee title insurance, recording fees and documentary stamps.
- In an effort to provide the most fair and accurate Loan Estimate to assist you in comparing between lenders, please thoroughly complete the credit application with accurate information and figures.
- A Mortgage Services team member may be in touch should we find that further information is needed pertaining to your loan request.
Home Equity Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Home Equity Line of Credit
Home Equity Line-of-Credit is available from $5k to $150k for first or second mortgages on owner-occupied, single-family, primary residences.Once you have established your Home Equity Credit Line, you may use your Home Equity Mastercard® to make purchases, up to your credit limit.
| INTEREST RATE | MINIMUM ADVANCE | CLOSING COSTS |
|---|---|---|
| 3.25% APR* | $5,000 | NONE |
*APR = Annual Percentage Rate. Rates and terms subject to change without notice. Interest rates will vary based on the Wall Street Journal Prime Rate which was 3.25% as of 3/16/2020. Minimum monthly payments are calculated based on 1.50% of the New Balance or $35, whichever is greater.
Maximum Loan Amounts & Restrictions - Home Equity Line of Credit
- Requires EFCU Membership.
- Loans from $5,000 to $150,000.
- Available for first or second mortgages.
- Insurance is required on first liens.
- Loanable Equity is determined by 80% of appraised value, subtracting balance of first mortgage loan.
- Collateral must be primary residence, single-family dwelling.
- Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
- Available on new lines of credit and subject to credit approval.
- Maximum APR will not exceed 16%.
- There is a 1.1% International Transaction Fee on foreign transactions.
- The 'No Closing Costs' special does not include appraisal fees, but appraisal may not be necessary with an acceptable tax assessment.
- Consult a tax advisor regarding the deductibility of interest on this loan.
- Offer not available/valid on manufactured homes.
Unimproved Property Loan
Unimproved property loans are available from $5k to $150k on residential lots and non-commercial raw land (20 acres or less).
Unimproved Property Loan - Fixed Rate
| MAX TERM | APR* |
|---|---|
| 5 years | 8.50% |
| 10 years | 9.00% |
*APR = Annual Percentage Rate. Rates are subject to change at any time. Minimum monthly payment on all loans is $35.
Maximum Loan Amounts & Restrictions - Unimproved Property
- Requires EFCU membership.
- Loans from $5,000 to $150,000.
- Purchase: Loanable equity is determined by 80% of the Appraised Value or Purchase Price, whichever is less.
- Refinance: Loanable equity is determined by 80% of the Appraised Value or 100% of the Property Appraiser's land value.
- Property must be residential or non-commercial raw land, 20 acres or less.
- In an effort to provide the most fair and accurate Loan Estimate to assist you in comparing between lenders, please thoroughly complete the credit application with accurate information and figures.
- A Mortgage Services team member may be in touch should we find that further information is needed pertaining to your loan request.
Unimproved Property Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Construction Loans
We offer Construction/Perm loans from $25,000 to $510,400 on residential property for owner-occupied primary residence. Call 850.862.0111 option 3 or contact us via secure email to apply for a construction/perm loan today.
Construction/Perm Loan - Fixed Rate
| MAX TERM | APR* |
|---|---|
| 9 months | 5.50% |
*APR = Annual Percentage Rate. Minimum monthly payment on all loans is $35. Rates are subject to change at any time
Maximum Loan Amounts & Restrictions - Construction/Perm Loans
- Requires EFCU Membership.
- Loans from $25,000 to $510,400
- 80% Loan-to-value
- Requires 10% of the appraised value in liquid assets
- Property must be residential for owner-occupied primary residence
- Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
- Closing costs may include, but are not limited to: appraisal fee, mortgage title insurance, recording fees, documentary stamps, flood determination fees and credit bureau fees.
- Lock permanent rate within 45 days from completion.
- Interest-only payments required during construction phase.
- No pre-payment penalty.
Personal Signature Loan
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 Sunday, August 9, 2020 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.
Personal Signature Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Line of Credit Signature Loan
Line of Credit Signature Loan
| LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
|---|---|---|
| ------ | 12.90% | $20,000 |
*APR = Annual Percentage Rate.
The above rates are current as of Sunday, August 9, 2020 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
SAFE Loan
| REPAYMENT PERIOD | APR* | MAX LOAN AMOUNT |
|---|---|---|
| 120 days | 16.9% | $500 |
*APR = Annual Percentage Rate.
The above rates are current as of Sunday, August 9, 2020 and are subject to change.
Sample Repayment: A $500 loan for 120 days at 16.9% would result in the following approximate payments: $129.34 Monthly, $73.40 Biweekly, or $30.27 Weekly.
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 transfer.
- 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
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 Sunday, August 9, 2020 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.
Guarantor Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Savings Assistance Loan
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 Sunday, August 9, 2020 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.
Savings Assistance Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Share Secured Loan
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 Sunday, August 9, 2020 and are subject to change.
Requires EFCU membership.
Share Secured Loan Payment Calculator
Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.
Premium Checking Account
| 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. | .15% | .15% |
*APY = Annual Percentage Yield
- Requires EFCU Membership
- Open with a minimum $5.00 deposit
- No monthly service fee or per check charges.
- Dividends are compounded daily and will be credited to your account every quarter
- Insured by NCUA.
Regular Share
| 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. | .30% | .30% |
*APY = Annual Percentage Yield
- Initial $5.00 deposit required to establish membership
- No monthly service fee
- Dividends are compounded daily and will be credited to your account every quarter
- Insured by NCUA.
FL Uniform Transfer to Minors
| 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. | .30% | .30% |
*APY = Annual Percentage Yield
- Requires EFCU Membership
- Open with a minimum $5.00 deposit
- No monthly service fee
- Irrevocable custodial account established in a child's name
- Minor takes possession of the account at age 21
- Dividends are compounded daily and will be credited to your account every quarter
- Insured by NCUA.
Christmas Club
| 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. | .30% | .30% |
*APY = Annual Percentage Yield
- Requires EFCU Membership
- Open with a minimum $5.00 deposit
- No monthly service fee
- Dividends are compounded daily and will be credited to your account every quarter
- Insured by NCUA.
Very Important Purpose (VIP)
| 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. | .30% | .30% |
*APY = Annual Percentage Yield
- Requires EFCU Membership
- Open with a minimum $5.00 deposit
- No monthly service fee
- Dividends are compounded daily and will be credited to your account every quarter
- Insured by NCUA.
Money Market
The dividend rate, APY, and tiers may change at any time as determined by the Credit Union's Board of Directors. If you close your account before the dividends are paid you will not receive the accrued dividends.
| MONEY MARKET TIER | DIVIDEND RATE | APY* |
|---|---|---|
| Balance between $.00 to 2,499.99 | .15% | .15% |
| Balance between $2,500.00 to 9,999.99 | .30% | .30% |
| Balance between $10,000.00 to 24,999.99 | .35% | .35% |
| Balance between $25,000.00 to 49,999.99 | .40% | .40% |
| Balance $50,000.00 and up | .45% | .45% |
*APY = Annual Percentage Yield
- Requires EFCU Membership
- Open with a minimum $2500.00 deposit
- No monthly service fee
- Dividends are compounded daily and will be credited to your account every month
- Balance fluctuations during the dividend period may cause you to earn varying dividend rates
- Insured by NCUA.
Coverdell Education Savings
| 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. | .30% | .30% |
*APY = Annual Percentage Yield
- Requires EFCU Membership
- Open with a minimum $5.00 deposit
- No monthly service fee
- Dividends are compounded daily and will be credited to your account every quarter
- Insured by NCUA.
Traditional IRA
| TRADITIONAL IRA | 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. | 1.45% | 1.46% |
*APY = Annual Percentage Yield
- Requires EFCU Membership
- Open with a minimum $5.00 contribution
- No maturity date
- Dividends are compounded daily and will be credited to your account every quarter
- IRA funds are insured separately up to $250,000 per member by the National Credit Union Association (NCUA)
Roth IRA
| Roth IRA | 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. | 1.45% | 1.46% |
*APY = Annual Percentage Yield
- Requires EFCU Membership
- Open with a minimum $5.00 contribution
- No maturity date
- Dividends are compounded daily and will be credited to your account every quarter
- IRA funds are insured separately up to $250,000 per member by the National Credit Union Association (NCUA)
Share Certificates
A $2500.00 minimum deposit required. There is a penalty for early withdrawal.
| CERTIFICATE TYPE | DIVIDEND RATE | APY* |
|---|---|---|
| 31 Days / 1 month Certificate | .45% | .45% |
| 92 days / 3 month Certificate | .45% | .45% |
| 182 days / 6 month Certificate | .65% | .65% |
| 365 days / 12 month Certificate | .95% | .95% |
| 548 days / 18 month Certificate | 1.05% | 1.06% |
| 730 days / 24 month Certificate | 1.15% | 1.16% |
| 1095 days / 36 month Certificate | 1.20% | 1.21% |
| 1460 days / 48 month Certificate | 1.20% | 1.21% |
| 1825 days / 60 month Certificate | 1.20% | 1.21% |
*APY = Annual Percentage Yield
- Requires EFCU Membership
- Insured by NCUA.
Platinum Mastercard
Interest Rates & Interest Charges
| 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 |
Fees
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| International Transaction | 1.1% of each international transaction, in U.S. Dollars. |
| 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 |
How We Will Calculate Your Balance: We use a method called 'average daily balance (including current transactions).'
Rates, fees and benefits stated are subject to change.
Requires EFCU Membership.
Members may call 800.367.6159 to verify current rates and fees.
Platinum Rewards Mastercard
Interest Rates & interest Charges
| 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 |
Fees
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| International Transaction | 1.1% of each international transaction, in U.S. Dollars. |
| 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 |
How We Will Calculate Your Balance: We use a method called 'average daily balance (including current transactions).'
Rates, fees and benefits stated are subject to change.
Requires EFCU membership.
Members may call 800.367.6159 to verify current rates and fees.
EFCU Debit Card
- Requires EFCU Membership.
- Withdrawals from ATMs are limited to $500 per day.
- Point of Sale transactions have a daily limit of $3,000.
- In some instances a $500 daily limit may be applicable.
- If our system is unavailable, lower transaction and withdrawal limits may apply.
- Be aware that most overseas ATMs limit cash withdrawals to the checking account and access to the savings account may not be available.
- Certain terms, conditions, and exclusions apply. Contact EFCU for complete coverage terms and conditions or call Mastercard® for assistance at 800.622.7747.
Terms & Conditions - Bill Payer
- Requires EFCU Membership.
- Requires an EFCU checking account and password to access your EFCU account online.
- Bill Payer is free with an EFCU checking account and a minimum of 3 completed transactions each month.
- When you have less than 3 completed transactions each month a $5 fee applies.
- You can schedule payments up to a year in advance.
- No maximum limit to number of payments scheduled.
- Payments may be added or changed at your convenience.
- You may enroll in eBill to receive your bill summary from eligible payees electronically to your Bill Payer Account. eBill will notify you when a bill is available to review. eBill stores up to 84 months of eBill history.
Terms & Conditions - Courtesy Pay
- Federally mandated changes to the Electronic Funds Transfer Act, requires members to Opt-In if they wish to have the option of Courtesy Pay coverage on Debit Card Point of Sale (POS) purchases.
- Premium Checking accounts less than 30 days old are not eligible for Courtesy Pay.
- Basic Checking accounts are not eligible for Courtesy Pay.
- This service is only available to Premium Checking accounts in good standing, and at the discretion of EFCU
- If funds are not available for Debit Card POS purchases and the member has not completed an Opt-In Authorization, the transactions will be denied.
Opt-In/Opt-Out for Courtesy Pay for Debit Card POS Transactions
To indicate your preference for Courtesy Pay or for information about other alternatives we offer for covering overdrafts, please contact us:
To indicate your preference for Courtesy Pay or for information about other alternatives we offer for covering overdrafts, please contact us:
- In person at any EFCU branch location.
- By phone at 850.862.0111 or 800.367.6159 option 4.
- Through our website at www.eglinfcu.org/forms
- Log in to Home Branch and select 'Courtesy Pay' under 'My Profile' in the navigation bar.
- If you Opt-in for Debit Card POS Transactions, you may also revoke your authorization for Courtesy Pay using any of the above options.
Insurance Requirements
Insurance Requirements for Collateral Loans
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:
- A loss payee naming Eglin FCU as lien holder.
- A full collateral description including the Vehicle Identification Number (VIN).
- Comprehensive and collision coverage with a maximum $1,000 deductible.
- The effective and expiration dates of the coverage.
You can submit your insurance information by:
Fax: 913.268.3178
Mail: Eglin Federal Credit Union
Attn: CPI Department
838 Eglin Parkway NE
Fort Walton Beach FL 32547-2781
If you have any questions, please call 800.476.7330, Monday through Friday 8am-5:30pm CST.
Mail: Eglin Federal Credit Union
Attn: CPI Department
838 Eglin Parkway NE
Fort Walton Beach FL 32547-2781
EFCU's Web Policy
Use of Cookies
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.
Browser Support
Supported Browsers
Microsoft Internet Explorer (Version 10 and higher)
Microsoft Edge (Current version)
Google Chrome (Current Version)
Safari (Current Version*)
Opera (Current Version)
*Does not support Safari on windows operating systems.
While most elements of our website will function on earlier versions of the browsers listed above, we highly recommend updating your browser to the current version.
Browser Settings
To maximize your browsing experience on our site, please add eglinfcu.org and billpaysite.com as trusted sites in your browser and, if applicable, in your firewall. For eglinfcu.org you will need to enable Javascript. For Online Account Access you will need to enable SSL (encryption) support, cookies (Requires session-only cookies that are returned to the originating server - eglinfcu.org), and secure pages to be saved to the hard disk.
Important Information About Opening a New Account
USA PATRIOT Act
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.
What This Means For You
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.
Other Resources
Links to other sites are provided as a convenience to our visitors. The Credit Union is not responsible for the availability, accessibility, content, or privacy practices of any linked site.
More links
Emergency Information
Government/Associations
| Defense Credit Union Council |
| Eglin Air Force Base |
| Hurlburt Field |
| Internal Revenue Service |
| National Association of Federal Credit Unions |
| National Credit Union Administration |
Routing & Transit Number
EFCU's Routing & Transit Number for Direct Deposit or any other electronic transfer of funds is 263178070.
Please refer to the following guidelines for providing your account number:
- For Checking and Savings Accounts:Please provide your full 5-digit or 6-digit Account Number when authorizing electronic debits or credits.
- For Money Market accounts: If you have a 6-digit account number you will need to add "990" to the beginning of your account number, if you have a 5-digit account number you will need to add "9900" to the beginning of your account number.
If you have pre-printed EFCU checks, the Routing & Transit Number and Account Number begin at the bottom-left of your checks, with the routing number listed in the first section and the account number in the second.
HELOC Brochure & Disclosure
Request for Online Account Access
Requires EFCU membership. Please visit our Online Account Access page for more information. You may read and print the Online Account Access Disclosure here. Print the request for online account access form to submit it in person at any EFCU branch.
Debit Card Request
Requires EFCU membership. Please visit our Debit Card page for more information. To view Terms & Conditions please visit our Rates, Terms & Conditions page. You may read and print the Debit Card Disclosure here. Print the Debit Card application to submit it in person at an EFCU branch.
eStatements
How do I sign up?
Primary members on accounts may sign up for eStatements online through our mobile app or desktop online account access platforms. If you don't have online account access, you may download an application here.What is it?
eStatements enable you to access your Credit Union account statements online instead of receiving a paper copy in the mail. The statement will look identical to the one you currently receive. Inserts that are normally mailed with the statements, such as the newsletter, inserts and other notices and disclosures including but not limited to your annual Privacy Notice, general membership notices, and any change-in-term notices to your share accounts, loan accounts, and your access devices, will be available within your account online.How much does this service cost?
This service is free to all EFCU members with accounts in good standing.What do I need to view my eStatement?
You must have established online account access. You will need a computer or mobile device with a current version of a web browser, access to the Internet, and a current version of the free Adobe Reader software. If there are any changes to these requirements we will post them on our site, eglinfcu.org.How long will my statements be saved and be made available for viewing?
We will archive 13 months of eStatements for you to access electronically. The first month after you sign up to receive statements electronically begins the history of statements accessible for your reference.Will I be able to print or save a copy of my eStatement?
Yes. You will have the option to print a hardcopy from the electronic version or save to a disk. Please note that eStatements are encrypted during transmission to your personal computer. However, the files are not encrypted once delivered. You are responsible for protecting copies of eStatements you have printed or saved.What security methods are used to protect my eStatement?
Access to electronic statements is protected by using your online account password as the only avenue of access. You will not need to remember a new password to access your electronic statement. The statement is stored behind firewalls and is transmitted to your Internet browser using 128-bit SSL encryption.Can I get my eStatement emailed to me instead of logging into my account online?
No. Email is not a secured method of sending your statement.What if I want to cancel my eStatement?
There is no fee associated with accessing your statement by electronic means and there is not a penalty for choosing to go back to paper statements. Cancel the service by phone, email, mail, or in person at any one of our branches.What are the benefits of receiving my statement electronically?
Besides being an excellent way to help our environment, going paperless is also a fast, convenient and safe way to view your monthly statement. The eStatement will be available during the first week of the statement cycle. You can then access your statement from your computer at your convenience. You can also relax knowing that the statement will not get lost in the mail.Will I also be able to view my Mastercard® statement with eStatements?
Yes. Your Mastercard eStatement will be provided in the same location and made available at the same time as your regular eStatements.Can my eStatement be exported to other programs?
No. EFCU eStatements cannot be saved as a text file and imported into Microsoft Word or any other text program. eStatements can only be saved as PDF files.Change of Contact Information
We recommend that members with online account access 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.
Opt-In/Out: Courtesy Pay for Debit POS Transactions
To qualify, your account must be in good standing and your Premium Checking account must be open for 30 days. Please visit our Account Services page for more information. To view Terms & Conditions please visit our Rates, Terms & Conditions page. You may read and print the Courtesy Pay Disclosure here. Print the Courtesy Pay application to submit it in person at an EFCU branch.
ATM Card Request
Requires EFCU membership. Please visit our ATM Card page for more information. You may read and print the ATM Card Disclosure here. Print the ATM Card application to submit it in person at an EFCU branch.
CARFAX Request
Requires EFCU membership. Print the CARFAX application to submit it in person at an EFCU branch.
By submitting this request, you agree that EFCU will pull a CARFAX on your behalf and debit your Basic Checking, Premium Checking or Regular Share Savings account for a one-time charge of $20 per CARFAX form submitted.
Travel Notification
To mitigate your risk for fraud Eglin Federal Credit Union utilizes fraud monitoring to identify suspicious activity on your account. If you will be traveling within a U.S. territory or to an International country, please complete this form to reduce the possibility of your Debit card and/or Credit card being blocked for suspicious activity. We recommend you monitor your activity during this time and notify us immediately if you detect fraud on your account. Print the Travel Notification Form to submit it in person at any EFCU branch. Please note: Travel notification dates cannot exceed 1 year from departing date.
Request an Additional or Replacement Mastercard
Requires EFCU membership. Please visit our Mastercard page for more information. To view Terms & Conditions please visit our Rates, Terms & Conditions page. You may read and print the Mastercard Agreement & Disclosure here. Print the Mastercard Card Request form to submit it in person at an EFCU branch.
Dormant Account Reactivation Request
Print the Dormant Account Reactivation Request form to submit it in person at an EFCU branch.
Request to Increase Daily Limit on Debit Card/Bill Payer
Print the Debit Card/Bill Payer Daily Limit Increase Request form to submit it in person at an EFCU branch. Please note: Total daily limit requests greater than $10,000 will only be valid for up to 3 days.
What would you like to apply for?
Please note: For Mortgage Loans please contact us at 850.862.0111 (Option 3) or via secure email.
Online Account Access
Boat Loan
Motorcycle Loan
Recreational Vehicle Loan
Personal Watercraft Loan
Personal Signature Loan
Line of Credit Signature Loan
Platinum Mastercard
Rewards Mastercard
HELOC Mastercard
Skip-a-Pay
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 12-month period. 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.
Request to Waive IRA Required Minimum Distribution for 2020
You are not required to take a Required Minimum Distribution (RMD) for the 2020 tax year. This RMD waiver applies to 2020 RMDs, including 2019 RMDs paid between January 1, 2020 and April 1, 2020. If you have already taken a Required Minimum Distribution from your EFCU IRA, you have 60 days to rollover those funds back into your IRA. If your 2020 Required Minimum Distribution was more than 60 days ago, seek competent tax advice for available options.
Please complete this application in its entirety to ensure your request will be processed in a timely manner. Signatures must be witnessed by an Eglin FCU employee, a Notary Public, or signed electronically using an Eglin FCU eSignature service.
Print the 2020 IRA Required Minimum Distribution Waiver Request to submit it in person at an EFCU branch.