Featured News, Educational Articles & Important Announcements

Keep Your Username & Password Secure

Unauthorized access is a major problem in the high-tech world we operate in today. If you are a victim of these hacks, the consequences can include loss of money, bank account information, and identity theft. It is more important than ever to take necessary actions ensuring your username and password are secure. We have made the decision to require usernames rather than account numbers to enhance the safety of your account. We will also be requiring that you evaluate your password for complexity as an extra security measure.

These requirements will go into effect August 20, 2019.

You are the first line of defense in protecting your account access. Password complexity goes a long way to keep your financial information safe, but a unique username can provide additional security to protect your account just as much as a strong password. So what makes a strong username and password? Below are some guidelines you may consider when creating a secure username and password combination.

Create a Strong Username

Keep it unique: Create a username for your Home Branch/EFCU Mobile App account that is different from your email username or any other usernames for other online accounts.
Keep it simple: Your username should be one that you can remember, so avoid using too many symbols or upper and lowercase letters.
Stay anonymous: Do not use the same username and password combination or a username that gives clues to your password. Also refrain from using your name, birth year, social security number, and other identifying information as this becomes a huge indicator of who you are.

Create a Strong Password

Avoid using personal information: Your password should never include any part of your full name, username, email address, birth date, social security number, phone number, account number, etc.
Refrain from using real words: Hackers use numerous online tools to guess your password. Some of these tools even allow their devices to run through every word in multiple dictionaries in a matter of minutes. If you really want to make it difficult for hackers, create your own words to secure your password and prevent their schemes from succeeding.
Do not use repeated or adjacent keyboard combinations: Passwords that combine repeated or adjacent alphabetical or numerical sequences on the keyboard are easy for hackers to crack. Avoid using “aaaaaa”, “111111”, “qwerty”, and “123456”, etc.
Use a mix of characters: Strong passwords have all four of the following types of characters — lowercase letters, uppercase letters, numbers, and special characters (!%#$&).

Keeping Your Username and Password Secure

Never disclose your username and password to anyone.
Do not use passwords that you have used in the past.
Never provide credentials requested via email.
Do not save passwords or use the “remember me” resource on public computers.

Your Free Credit Score & Report

It is important to understand the value of monitoring your credit information regularly as your credit score has a major impact on the Annual Percentage Rate you qualify for on auto loans, credit cards, mortgages and more. We’ve made this easier than ever by providing 24/7 access to your free, comprehensive credit report inside of Home Branch and the Mobile App. Your free credit report makes checking and monitoring your credit both easy and efficient without affecting your score.

Your Comprehensive Credit Report Features

Unlimited access to your credit score and key factors impacting your score. View your credit score as often as you like and identify how inquiries, payment history and other factors influence this number.
Credit alerts. Receive email notifications of significant changes to your credit file (e.g., hard inquiries, new account openings, change of address) as well as any activities suspect to fraud or identity theft.
Credit improving tips. Gain insight on actions that may be helping or harming your credit score.
Money-saving opportunities with various EFCU products. Receive instant offers right on your dashboard and discover how refinancing with EFCU can save you money and/or reduce your payments.
Credit score history. Observe how your credit score has changed over time.
Average credit score within your ZIP code. View the average credit score in your area and see how you compare.
Initiate credit disputes. Send a dispute at the click of a button if you notice any incorrect information.

Why Credit Monitoring Matters

Know the interest rates you qualify for on loans. Your credit score determines your ability to qualify for loans and receive better interest rates when borrowing. Knowing your credit score can help you shop for the best APR before applying for the loan.
Ensure your credit information is accurate. Your credit score is directly linked with the information in your credit report and can give you an indication as to whether your credit information is accurate. If your credit score is lower than you expect, it may point to some errors that need to be disputed with the credit bureaus.
Deter fraud and identity theft early. With technology increasing rapidly and fraudsters and identity thieves becoming more creative, monitoring your credit report on a regular basis is more critical than ever. Your comprehensive credit report will alert you as soon as suspicious activity appears on your account so you will be able to stop fraud and identity theft in its tracks.
Stay updated on ways to improve your score. Items such as short credit histories, high balances on credit cards, and late payments can all affect your score. Your comprehensive credit report will note which of these are impacting your credit score so you can develop a plan for strengthening it.
Enjoy financial peace of mind. The convenience of your credit score, credit report and instant offers at EFCU right on your dashboard will help you take control of your credit and gain the upper hand on your finances.

Difference in Credit Scores

If you have ever received your credit score from the three major credit bureaus, you may have noticed that these scores are not the same. Why do credit scores vary? Here is why.

Scoring Models
Differences in credit scores derive from the numerous credit scoring models that are used in the financial industry. Credit scoring models are used by credit bureaus to collect and analyze your statistical data to determine your credit eligibility. There are a range of credit scoring models that weigh in on varying factors which change the way scores are computed, however, EFCU uses the FICO 9 scoring model and the VantageScore model.

FICO Scoring Model
The FICO Scoring model has been around since 1989 and is the most widely used measure of creditworthiness primarily due to its longevity. FICO scores take payment history, credit utilization, credit history, types of credit, and new credit into account when determining its credit score, with much emphasis or "weight" placed on payment history and credit utilization. EFCU has upgraded to FICO 9 which is the score used for all EFCU loan decisions.

VantageScore Model
The VantageScore model was created by the three major credit bureaus (Experian, Equifax, and Transunion) in 2006. The VantageScore model takes payment history, age and type of credit, credit utilization, total balances, recent behavior, and available credit into account when determining its credit score, with much emphasis or "weight" placed on payment history, age and type of credit, and credit utilization. Your free credit score offered in Home Branch uses the VantageScore model.

If you have any further questions regarding your comprehensive credit report, contact us at 850.862.0111 x.1421.

Security Update: TLS 1.1

What is TLS?

TLS is short for "Transport Layer Security." It is a network protocol that allows you to communicate securely over the Internet for email, data transfers, and other services. TLS 1.0, 1.1, and 1.2 are the three versions of TLS, to date.

How does TLS send online information securely?

TLS sends online information securely through a process known as encryption. Encryption is a method of protecting your sensitive information (i.e. Social Security numbers, account numbers, debit/credit card numbers, etc.) while it is being sent over the internet.

Why is EFCU disabling TLS 1.0?

EFCU continually strives to protect our members by using the latest, most secure protocols. TLS 1.0 encryption protocol has become outdated and is now considered unsecure. To keep up with industry standards as well as promote the safety of our members' financial information, our website now requires browser encryption protocol requirements of TLS 1.1 or higher. Members who have not upgraded their web browser to TLS 1.1 or higher may no longer be able to access EFCU's website and online services once the security upgrade is complete.

When did the change happen?

EFCU requires TLS 1.1 or higher as of June 11, 2018.

Test your browser's compatibility

You may receive an error message when trying to access the Eglin FCU website or Internet & Mobile Banking as we implement TLS 1.2 during June. To check if your Web browser needs to be updated to ensure uninterrupted online service, please visit the following resources:

visit "How's My SSL?" website

visit "Qualys SSL Labs" website

My browser is not compatible, how can I update it?

If you experience errors viewing this website, you will need to ensure your web browser is compatible with TLS 1.1 or higher. The following is a list of browser versions that are compatible with TLS 1.1 or higher. If your browser is not up to date, click the appropriate link below to download and update your browser (please note: If your computer or device is outdated, you may not be able to update your browser. If this is the case, it may be time to upgrade to a newer computer or device):

Google Chrome: Version 29 or newer
Mozilla Firefox: Version 33 or newer
Microsoft Internet Explorer (IE): Version 10 or newer
Opera Browser: Version 16 or newer
Apple® Safari® (Desktop): Version 6 or newer
Apple Safari (Mobile): Version 5 or newer (iPhone® OS 4 or newer)

If you have elected to receive your Statements and Notices electronically and cannot update your browser to access your account electronically, please call Account Services at 850.862.0111 during normal business hours to request paper copies.

How can I be sure I am always using the latest TLS protocol?

Keeping your web browser on your computer and/or mobile device up to date can ensure you are using the latest TLS protocol and getting the best, most secure browsing experience.

10 Ways to Avoid Fraud

According to Federal Trade Commission reports, crooks use clever schemes to defraud millions of people every year. They often combine new technology with old tricks to get people to send money or give out personal information. Here are some practical tips to help you stay a step ahead.

Spot imposters. Scammers often pretend to be someone you trust, like a government official, a family member, a charity, or a company you do business with. Don't send money or give out personal information in response to an unexpected request regardless of whether it comes as a text, a phone call, or an email.
Do online searches. Type a company or product name into your favorite search engine with words like "review," "complaint" or "scam." Or search for a phrase that describes your situation, like "IRS call." You can even search for phone numbers to see if other people have reported them as scams.
Don't believe your caller ID. Technology makes it easy for scammers to fake caller ID information, so the name and number you see aren't always real. If someone calls asking for money or personal information, hang up. If you think the caller might be telling the truth, call back to a number you know is genuine.
Don't pay upfront for a promise. Someone might ask you to pay in advance for things like debt relief, credit and loan offers, mortgage assistance, or a job. They might even say you've won a prize, but first you have to pay taxes or fees. If you do, they will probably take the money and disappear.
Consider how you pay. Credit cards have significant fraud protection built in, but some payment methods don't. Wiring money through services like Western Union or MoneyGram is risky because it's nearly impossible to get your money back. That's also true for reloadable cards like MoneyPak, Reloadit or Vanilla. Government offices and honest companies won't require you to use these payment methods.
Talk to someone. Before you give up your money or personal information, talk to someone you trust. Con artists want you to make decisions in a hurry. They might even threaten you. Slow down, check out the story, do an online search, consult an expert or just tell a friend.
Hang up on robocalls. If you answer the phone and hear a recorded sales pitch, hang up and report it to the FTC. These calls are illegal, and often the products are bogus. Don't press 1 to speak to a person or to be taken off the list. That could lead to more calls.
Be skeptical about free trial offers. Some companies use free trials to sign you up for products and bill you every month until you cancel. Before you agree to a free trial, research the company and read the cancellation policy. And always review your monthly statements for charges you don't recognize.
Don't deposit a check and wire money back. By law, banks must make funds from deposited checks available within days, but uncovering a fake check can take weeks. If a check you deposit turns out to be a fake, you're responsible for repaying the bank.
Sign up for free scam alerts from the FTC. Get the latest tips and advice about scams sent right to your inbox.

If you spot a scam, report it to the FTC by clicking here. Your reports help the FTC and other law enforcement investigate scams and bring crooks to justice.

AUTO LOANS

A New Auto is one that has never been titled.
A Used Auto is one that has previously been titled.

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APPLY FOR A LOAN

click here to
REFINANCE A LOAN

NEW & USED AUTOS¹

VEHICLE TYPE	LOAN TERM	APR* (as low as)
New or Used Up to 2 Years Old	84 Months	4.49%
New or Used Up to 2 Years Old	74 Months	3.49%
New or Used Up to 3 Years Old	66 Months	2.99%
Used 4 & 5 Years Old	64 Months	3.49%
Used 6 to 10 Years Old	54 Months	3.99%
Used 11 to 15 Years Old	48 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 Tuesday, August 20, 2019 and are subject to change

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.

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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.

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APPLY FOR A LOAN

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REFINANCE A LOAN

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 Tuesday, August 20, 2019 and are subject to change

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.

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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.

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APPLY FOR A LOAN

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REFINANCE A LOAN

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 Tuesday, August 20, 2019 and are subject to change

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.

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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.

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APPLY FOR A LOAN

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 Tuesday, August 20, 2019 and are subject to change

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.

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PERSONAL WATERCRAFT LOANS

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APPLY FOR A LOAN

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 Tuesday, August 20, 2019 and are subject to change

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.

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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.

NOT A MEMBER?
JOIN TODAY!

FIXED RATE MORTGAGE

LOAN TERM	APR*	ORIGINATION FEE
30 year	3.250%	0%
20 year	3.125%	0%
15 year	2.875%	0%

*APR = Annual Percentage Rate. Interest Rates are subject to change at any time and do not constitute a commitment.

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.

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Maximum Loan Amounts & Restrictions - Fixed Conventional

Requires EFCU Membership.
Loans from $25,000 to $484,350
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.

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.

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APPLY FOR A HOME EQUITY LOAN

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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

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.

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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 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.

APPLY FOR A
HELOC MASTERCARD

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JOIN TODAY!

HOME EQUITY LINE OF CREDIT

INTEREST RATE	MINIMUM ADVANCE	CLOSING COSTS
5.25% 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 5.25% as of 8/1/2019. 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.

Mastercard Guide to Benefits for Credit Cardholders

UNIMPROVED PROPERTY LOANS

Unimproved property loans are available from $5k to $150k on residential lots and non-commercial raw land (20 acres or less).

APPLY FOR AN UNIMPROVED PROPERTY LOAN

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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.

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.

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Maximum Loan Amounts & Restrictions - Unimproved Property

Requires EFCU membership.
Loans from $5,000 to $150,000.
Loanable equity is determined by 80% of appraised value or purchase price; whichever is less; or 100% of tax assessed 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.

CONSTRUCTION LOANS

We offer Construction/Perm loans from $25,000 to $484,350 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.

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JOIN 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 $484,350
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 LOANS

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 Tuesday, August 20, 2019 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.

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.

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LINE OF CREDIT SIGNATURE LOANS

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 Tuesday, August 20, 2019 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.

SALARY ADVANCE FOR EMERGENCY (SAFE) LOANS

SAFE LOAN

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

*APR = Annual Percentage Rate.
The above rates are current as of Tuesday, August 20, 2019 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 LOANS

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 Tuesday, August 20, 2019 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.

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.

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SAVINGS ASSISTANCE LOANS

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 Tuesday, August 20, 2019 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.

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.

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SHARE SECURED LOANS

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 Tuesday, August 20, 2019 and are subject to change.
Requires EFCU membership.

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.

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PREMIUM CHECKING (S9)

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%