* 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 Friday, February 15, 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.
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.
* 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 Friday, February 15, 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.
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.
* 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 Friday, February 15, 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.
* 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 Friday, February 15, 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.
* 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 Friday, February 15, 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.
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.
*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.
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 LOAN RATES & TERMS
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.
*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.
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 RATES & TERMS
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.
*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 5.50% as of 12/20/2018. 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.
*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.
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 LOAN RATES & TERMS
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.
*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 LOAN RATES & TERMS
PERSONAL SIGNATURE LOAN
LOAN TERM
APR* as low as
MAX LOAN AMOUNT
42 Months
13.90%
$20,000
*APR = Annual Percentage Rate.
The above rates are current as of Friday, February 15, 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.
*APR = Annual Percentage Rate.
The above rates are current as of Friday, February 15, 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) LOAN RATES & TERMS
SAFE LOAN
REPAYMENT PERIOD
APR*
MAX LOAN AMOUNT
120 days
16.9%
$500
*APR = Annual Percentage Rate.
The above rates are current as of Friday, February 15, 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 LOAN RATES & TERMS
GUARANTOR LOAN
REPAYMENT PERIOD
APR* as low as
MAX LOAN AMOUNT
42 Months
13.90%
$3000
*APR = Annual Percentage Rate.
The above rates are current as of Friday, February 15, 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.
*APR = Annual Percentage Rate.
The above rates are current as of Friday, February 15, 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.
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 Friday, February 15, 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.
Previous Quarter Rate for Premium Share Checking (S9)
A $500 minimum balance is required to earn dividends. The APY stated is accurate as of the last day of the previous quarter. Dividends are compounded daily and will be credited to your account every quarter. If you close your account before dividends are paid you will not receive the accrued dividends.
.15%
.15%
*APY = Annual Percentage Yield
Terms & Conditions - FREE Premium Checking
No monthly service fee or per check charges.
Opened with a minimum $5.00 deposit.
You must have a savings account before you can open checking account.
Dividends are computed and compounded daily and paid quarterly on daily balances of $500 and more.
Federally Insured by NCUA.
BASIC CHECKING RATES & TERMS
BASIC CHECKING (S15)
SHARE RATES
DIVIDEND RATE
APY*
Previous Quarter Rate for Basic Checking (S15)
Dividends are not applicable to the EFCU Basic Checking Accounts.
n/a
n/a
*APY = Annual Percentage Yield
Terms & Conditions - Basic Checking
Requires EFCU Membership.
If you do not qualify for the Premium Checking account you may be eligible to open a Basic Checking account.
The minimum deposit to open the account is $25 which includes a one-time Account Opening Fee of $5.00.
A $5 monthly service fee is charged on the last business day of every calendar month.
Members may be reimbursed a $5 monthly service fee with the successful completion (80%) of a BALANCE program. Course must be completed within 30 days after a fee to be reimbursed. A maximum of 12 monthly service fees will be refunded.
Direct Deposit or proof of income is required at account opening.
Funds in this account do not earn dividends.
Courtesy Pay is not available for Basic Checking accounts.
You may be eligible for a Premium Checking Account after managing your Basic Checking Account in a responsible manner for at least one year and by successfully completing the Get In Balance program and one other BALANCE educational program with scores of 80% or higher. In order to complete the programs you must first register for a free account at BALANCE.
Federally Insured by NCUA.
REGULAR SHARE SAVINGS RATES & TERMS
REGULAR SHARE SAVINGS (S1)
SHARE RATES
DIVIDEND RATE
APY*
Previous Quarter Rate for Regular Share (S1)
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last day of the previous quarter. Dividends are compounded daily and will be credited to your account every quarter. If you close your account before dividends are paid you will not receive the accrued dividends.
.30%
.30%
*APY = Annual Percentage Yield
Terms & Conditions - Regular Share Savings
No monthly service fee.
A $50 daily minimum balance is required to earn dividends, unless otherwise stated. All rates and APYs can change at any time and are current as of the last declaration date.
If you close your account before dividends are paid you will not receive the accrued dividends.
The minimum deposit to open the account is $5.00.
Limited to 6 checks and/or electronic transfers per month.
Federally Insured by NCUA.
FLORIDA TRANSFER TO MINORS RATES & TERMS
FLORIDA TRANSFER TO MINORS (S2)
SHARE RATES
DIVIDEND RATE
APY*
Previous Quarter Rate for Florida Transfer to Minors Savings (S2)
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last day of the previous quarter. Dividends are compounded daily and will be credited to your account every quarter. If you close your account before dividends are paid you will not receive the accrued dividends.
.30%
.30%
*APY = Annual Percentage Yield
Terms & Conditions - Florida Transfer to Minors Savings
Requires EFCU membership.
Irrevocable custodial account established in a child's name.
Minor takes possession of the account at age 21.
The custodian has the fiduciary responsibility to manage the money in a prudent fashion for the benefit of the minor.
Any money in custodial accounts for which you are the custodian will be counted as part of your taxable estate if you are the legal guardian of the child and the child has not yet reached the age of trust termination.
The income from a custodial account must be reported on the child's tax return and is taxed at the child's rate, subject to the Kiddie Tax rules. The parent is responsible for filing an income tax return on behalf of the child.
No monthly service fee.
A $50 daily minimum balance is required to earn dividends, unless otherwise stated. All rates and APYs can change at any time and are current as of the last declaration date.
If you close your account before dividends are paid you will not receive the accrued dividends.
The minimum deposit to open the account is $5.00.
Limited to 6 checks and/or electronic transfers per month.
Federally Insured by NCUA.
CHRISTMAS CLUB SAVINGS RATES & TERMS
CHRISTMAS CLUB SAVINGS (S3)
SHARE RATES
DIVIDEND RATE
APY*
Previous Quarter Rate for Christmas Club Savings (S3)
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last day of the previous quarter. Dividends are compounded daily and will be credited to your account every quarter. If you close your account before dividends are paid you will not receive the accrued dividends.
.30%
.30%
*APY = Annual Percentage Yield
Terms & Conditions - Christmas Club Savings
You must be an EFCU member to open a Christmas Club Savings Account.
No monthly service fee.
A $50 daily minimum balance is required to earn dividends, unless otherwise stated. All rates and APYs can change at any time and are current as of the last declaration date.
If you close your account before dividends are paid you will not receive the accrued dividends.
The minimum deposit to open the account is $5.00.
Limited to 6 checks and/or electronic transfers per month.
Federally Insured by NCUA.
VIP SAVINGS RATES & TERMS
VERY IMPORTANT PURPOSE (S4)
SHARE RATES
DIVIDEND RATE
APY*
Previous Quarter Rate for VERY IMPORTANT PURPOSE SAVING (S4)
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last day of the previous quarter. Dividends are compounded daily and will be credited to your account every quarter. If you close your account before dividends are paid you will not receive the accrued dividends.
.30%
.30%
*APY = Annual Percentage Yield
Terms & Conditions - Very Important Purpose Savings
Requires EFCU membership.
No monthly service fee.
A $50 daily minimum balance is required to earn dividends, unless otherwise stated. All rates and APYs can change at any time and are current as of the last declaration date.
If you close your account before dividends are paid you will not receive the accrued dividends.
The minimum deposit to open the account is $5.00.
Federally Insured by NCUA.
MONEY MARKET RATES & TERMS
MONEY MARKET SAVINGS(S7)
rates effective as of 2/15/2019
SHARE RATES
DIVIDEND RATE
APY*
Weekly Money Market Rate (S7)
Dividends are compounded daily and will be credited to your account each calendar month. If you close your account before dividends are paid you will not receive the accrued dividends.
Money Market balance between $.00 to 2,499.99
.15%
.15%
Money Market balance between $2,500.00 to 9,999.99
.60%
.60%
Money Market balance between $10,000.00 to 24,999.99
.65%
.65%
Money Market balance between $25,000.00 to 49,999.99
.70%
.70%
Money Market balance $50,000.00 and up
.70%
.70%
*APY = Annual Percentage Yield
Terms & Conditions - Money Market Savings
Requires EFCU membership.
You may make deposits of any amount at any time.
Tiered rates are based on current money market conditions and are subject to change weekly.
Dividends are compounded daily and will be credited to your account at the end of each calendar month.
The dividend rate, annual percentage yield and tiers may change at any time, as determined by the Credit Union's Board of Directors.
Balance fluctuations during the dividend period may cause you to earn varying dividend rates.
If you close your account before dividends are paid you will not receive the accrued dividends.
The minimum deposit to open the account is $2500.00.
To order personalized Money Market checks, the member will pay the cost of the check order; member will receive 40 duplicate checks for $10.00. On request, EFCU will provide 3 free checks with a check order.
Limited to 6 checks and/or electronic transfers per month.
Federally Insured by NCUA.
COVERDELL EDUCATION SAVINGS RATES & TERMS
COVERDELL EDUCATION SAVINGS (S28)
SHARE RATES
DIVIDEND RATE
APY*
Previous Quarter Rate for Coverdell Education Savings (S28)
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last day of the previous quarter. Dividends are compounded daily and will be credited to your account every quarter. If you close your account before dividends are paid you will not receive the accrued dividends.
.30%
.30%
*APY = Annual Percentage Yield
Terms & Conditions - Coverdell Education Savings
Requires EFCU Membership.
No monthly service fee.
A $50 daily minimum balance is required to earn dividends, unless otherwise stated. All rates and APYs can change at any time and are current as of the last declaration date.
If you close your account before dividends are paid you will not receive the accrued dividends.
The minimum deposit to open the account is $5.00.
Limited to 6 checks and/or electronic transfers per month.
Federally Insured by NCUA.
TRADITIONAL IRA RATES & TERMS
TRADITIONAL IRA(S8)
SHARE RATES
DIVIDEND RATE
APY*
Traditional Individual Retirement Account (S8)
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last day of the previous quarter. Dividends are compounded daily and will be credited to your account every quarter.
1.00%
1.01%
*APY = Annual Percentage Yield
Terms & Conditions - Traditional IRA
Requires EFCU membership.
Open with a minimum $5.00 contribution.
No maturity date.
No minimum annual contribution.
Maximum contribution limits: $5,500; $6,500, if age 50 or older
Self employed members and qualified employers and employees can contribute to a type of Traditional IRA called a SEP IRA.
IRA funds are insured separately up to $250,000 per member by the National Credit Union Administration (NCUA).
A service fee will be charged if a withdrawal is made before the depositor reaches the age of 59½. The fee is 2% of the amount withdrawn for each withdrawal this includes transfers to other financial institutions. No fee is charged if the withdrawal occurs within 10 days of the annual anniversary date of the opening of the account or the first 10 days of the following quarter.
ROTH IRA RATES & TERMS
ROTH IRA(S18)
SHARE RATES
DIVIDEND RATE
APY*
Roth Individual Retirement Account (S18)
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last day of the previous quarter. Dividends are compounded daily and will be credited to your account every quarter.
1.00%
1.01%
*APY = Annual Percentage Yield
Terms & Conditions - Roth IRA
Requires EFCU membership.
Open with a minimum $5.00 contribution.
No maturity date.
No minimum annual contribution.
Maximum contribution limits: $5,500; $6,500, if age 50 or older
No required minimum distribution age.
IRA funds are insured up to $250,000 per depositor by the National Credit Union Administration (NCUA).
A service fee will be charged if a withdrawal is made before the depositor reaches the age of 59½. The fee is 2% of the amount withdrawn for each withdrawal this includes transfers to other financial institutions. No fee is charged if the withdrawal occurs within 10 days of the annual anniversary date of the opening of the account or the first 10 days of the following quarter.
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.
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.
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.
Requires an EFCU checking account and a Home Branch password.
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.
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:
In person at any EFCU branch location.
By phone at 850.862.0111 or 800.367.6159 option 4.
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.
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Mobile Notifications
Set up notifications on your mobile device to keep you informed when any of your account alerts are triggered.
You may now set up notifications for the Eglin FCU Mobile App. Notifications correspond to the alerts you have set up inside of Home Branch or the Eglin FCU Mobile App. To receive notifications you must open the "settings" menu in the mobile app and turn on the "notifications" button (you will also need to open your device settings and turn on notifications for the mobile app itself). If you do not have any alerts established inside of Home Branch you will not receive any notifications. To set up alerts, open the "eServices" section of the main navigation menu inside the mobile app or Home Branch and select "Alerts." Click here to learn more about alerts.
Hurricane Relief
Affected by Hurricane Michael?
We're here to help. Call 850.862.0111 or 800.367.6159 for assistance with EFCU Mastercard (x.1481), Loans (x.1471) or Account Services (x.1402).
You can help too.
We are partnering with the Air Force Enlisted Village who is administering the collection of donations and delivery of critical supplies to all impacted areas. Click here to donate online to the Hurricane Michael Emergency Relief fund. Monetary donations are also being accepted at all EFCU Branches.
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.
*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 Home Branch 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.
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.
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.
Are you purchasing from any of these dealers?
Allen Turner Chevrolet
Allen Turner Hyundai
Audi Pensacola
BMW of Fort Walton Beach
Bob Tyler Toyota
Buick GMC Fort Walton Beach
Buick GMC Pensacola
Centennial Imports
Chrysler Dodge Jeep Ram Crestview
Chrysler Dodge Jeep Ram Fort Walton Beach
Emerald Coast Harley-Davidson
Ft. Walton Mitsubishi
Gary Smith Ford
Gary Smith Honda
Hampton Hyundai
Hill Kelly Dodge
Hub City Ford
Kia Fort Walton Beach
Lee Buick GMC
Lee Nissan
Mazda of Fort Walton Beach
Pensacola Honda
Performance Cars Niceville
Pete Moore Chevrolet
Pete Moore Imports
Porsche of Destin
Preston Hood Chevrolet
Sandy & Bubba`s Milton Chevrolet
Sandy Sansing BMW Mini Cooper
Sandy Sansing Chevrolet
Sandy Sansing Chrysler Dodge Jeep Ram
Sandy Sansing Mazda
Sandy Sansing Nissan
Subaru Fort Walton Beach
Tim Smith Acura
Toyota of Fort Walton Beach
Volkswagen Fort Walton Beach
World Ford Pensacola
ZT Motors of FWB
Third Party Website
You are about to be redirected to a web site that is not operated by Eglin Federal Credit Union.
The Credit Union is not responsible for the content of any third party site.
Any transactions made will not be Credit Union transactions but are made with the third party.
Please review the web site`s privacy and security policies as they may differ from EFCU.
