Safety tips for using peer-to-peer (P2P) payment apps
Peer-to-peer (P2P) payment apps have transformed the way we transfer money, making it quick and convenient to send funds to friends, family and those you trust.
While these apps are an easy and convenient means to pay someone, they are not the safest way to purchase services or items from strangers and may limit dispute resolution after a bad outcome. Here are some great safety tips to keep in mind while using any cash app:
Read this important information about the latest scams.
Members are reporting that they are receiving fake text messages from fraud monitoring services that appear as an Eglin FCU alert. The text message asks members to confirm or STOP a transaction from a merchant. When the member replies to the text with "STOP," they are contacted by the scammer and may be asked for their Online/Mobile Banking Username and/or Password, their Debit/Credit Card PIN, their One-Time Passcode (OTP) for Debit/Credit Card transactions, their Two-Factor Authentication Text/Voice code, or other account information. These calls often include fake Caller ID numbers that appear to be from Eglin FCU, and almost immediately lead to real contactless card fraud. Members who have been victimized have reported that these scammers can be very convincing.
Eglin FCU will never contact you asking for your password, PIN, one-time code or other logon information. We also never ask you to download software in an email or while you're on the phone with us. If you've provided any information through this type of call or text, call Eglin FCU Card Services at 800.367.6159, option 1. Thank you.
Mobile banking is easy and convenient. Unfortunately, the growing popularity of mobile banking is making it easier for thieves to commit fraud. One of the most common ways they do this is through mobile deposit scams.
Mobile deposit scams work the same way as traditional fake check scams, but the fraud is conducted remotely using a mobile device.
There are many types of fake check scams, but most involve a fraudulent check being deposited into a victim's account. The mobile deposit can be made either by the victim or the scammer. The victim receives a fake check by mail or email. They either deposit the check or are tricked into giving away their online banking credentials to the scammer who then makes the deposit. The victim is then asked to send or pay money to a third party as a condition of receipt. By the time, the fraud is discovered, the victim may have already sent money to the fraudster. The victim may receive no benefit from the bad deposit but has all the liability for it.
Be wary of any offers that involve the exchange of money, especially if they sound too good to be true and never share your log in credentials with anyone.
If you think you may have been a victim of a scam, you can file a complaint with the FTC online at ftc.gov or contact Eglin FCU at 850.862.0111, option 4.
Know the telltale signs of common tax scams.
Every year scammers add new twists to well-known tax-related scams.
Taxpayers should remember that the IRS generally first mails a bill to a taxpayer who owes taxes. There are special circumstances when the IRS will call or come to a home or business.
Click the links below to visit IRS.gov for more tips to help you spot email phishing scams and phone scams and avoid becoming a victim.
IRS.gov | Tips to spot scams & avoid being a victim IRS Flyer | Security Awareness for TaxpayersThere has been an increase in fraud targeting mortgage closing companies and consumers near the closing date of their dream property.
There has been an increase in fraud targeting mortgage closing companies and consumers near the closing date of their dream property. Do not to let emotions and the stress surrounding typical closing dates cause you to let your guard down. It is important for consumers to understand how the email phishing scam works.
How the scam works
Real estate companies, title companies and consumer email accounts can be hacked or phished by unauthorized third parties. These unauthorized third parties send fraudulent emails to clients during the late stages of the mortgage closing process. These fraudulent emails can look as though they were truly sent by an employee of the genuine real estate or title companies and include instructions to wire funds to a fraudulent account not controlled by the genuine real estate or title companies. Once wired, the fraudsters will quickly deplete the funds wired to the fraudulent account before anyone realizes they have been scammed.
How consumers can protect themselves
Early in the home closing process, consumers can find out exactly what to expect from wire transferring instructions by speaking directly to the title company, real estate agent and lender. Before wiring funds for closing, consumers should verify bank and account information by speaking to title company representatives in person or by telephone, using a phone number of record instead of any phone number shown in an email. IT IS VERY IMPORTANT THAT YOU CALL YOUR TITLE AGENT USING A KNOWN NUMBER (NOT THE ONE IN AN EMAIL) TO CONFIRM WIRING INSTRUCTIONS FOR YOUR CLOSING!
Once the wire is sent the transaction is final, and it can be impossible to recover the funds. Often times there is no recourse if your Credit Union or bank followed the wire instructions that you provided and authorized. If you are a victim of wire fraud, contact law enforcement immediately and provide as much information as possible. In addition, it is highly recommended that you immediately file a complaint with the Federal Bureau of Investigation Internet Crime Complaint Center (IC3) at https://www.ic3.gov/Home/BEC.
For more information:
Online shopping tips to prevent fraud while shopping online.
Due to an increase in online shopping, card not present fraud has grown exponentially. Additionally, social media quizzes and challenges allow for account security question answers to be easily guessed by fraudsters.
Fraud is constantly increasing and evolving year-round. Always do your research and use caution whether you are shopping online, reading emails, or receiving texts or phone calls.
Making your password more complex will keep you safer online (though much more can still be done).
Do you think your password is impossible to guess? The reality is that many people use simple passwords that are easy to remember but make it easy for hackers to gain access to your financial and personal accounts. Making your password more complex will keep you safer online (though much more can still be done).
You should also have more than one password that you use. Just as you wouldn't use the same key for your house, your car, your mailbox and your office, you shouldn't use the same password for all of your online accounts. This exposes you to more risk and increases the likelihood of having your information stolen.
10 things you can do to ensure the online safety and security of your account.
We will never call, email or text message you to verify your Eglin Federal Credit Union account information, such as your account number, card number, card expiration date, security code (Two-Factor Authentication), password and/or PIN.
Socially engineered schemes often rely on methods that financial institutions would never employ.
Socially engineered schemes often rely on methods that financial institutions would never employ, to avoid fraud:
Report an Internet crime to the FBI Internet Crime Complaint Center
Using anti-virus software and keeping it up-to-date is the best protection against these threats.
Getting infected with a computer virus or Trojan can be frustrating. These programs are known to destroy your computer, slow its performance, and barrage you with annoying pop-up ads. However, the types of viruses and Trojans that infect computers today are more malicious. They are designed to steal your credit card information and passwords, take over your email and use it for spamming, or even record what you type on your computer. Also, many of the new viruses and Trojans aim to be transparent so most people don't even know they have been infected.
Using anti-virus software and keeping it up-to-date is the best protection against these threats. Nowadays, most anti-virus software products will automatically update themselves as new threats are uncovered so you don't have to do a thing. Many Internet service providers now even offer these products free to their customers.
Installing a personal firewall is essential to safeguard your computer and valuable personal information.
Hackers constantly create new ways to penetrate your computer. Installing a personal firewall is essential to safeguard your computer and valuable personal information. A firewall is a secure barrier that sits between your computer and the Internet that prevents hackers from accessing your information.
A firewall needs to be installed properly or it will not effectively protect you from online threats. In addition, like anti-virus software, your firewall should be kept up-to-date. This is easy to do with software that automatically updates the latest versions onto your computer.
Be aware of deceptive emails, pop-ups, and other online scams.
Be aware of deceptive emails, pop-ups, and other online scams.
Online criminals will attempt to acquire your personal information by luring you to a website that looks legitimate, but is actually a fake site. If you receive any emails from an unfamiliar source, or any suspicious pop-ups, do not click on the links or open the attachment.
New online attacks are so advanced that they are capable of redirecting you to a fake website, even if you didn't click on anything. If a web page asks for you to provide sensitive information that it has never asked you to provide before, do not type anything and close the page immediately. Financial institutions and online service providers do not ask you to enter information such as your credit card number, full Social Security number, or PIN number on the login page or any subsequent pages.
As consumers become more educated about fraud and identity theft, online criminals are moving to other places to launch their scams.
As consumers become more educated about fraud and identity theft, online criminals are moving to other places to launch their scams. Phone scams are gaining popularity again.
There are two common types of phone scams. The first type of scam involves an email detailing a problem with your account and requests you to call a specific phone number to provide more details. The second type of scam involves a phone call from an automated call center asking you for sensitive information. You should never provide personal information to an unsolicited caller.
If you receive a call from an individual stating they are an Eglin FCU employee, even if the number appears to be from Eglin FCU, don’t give out any personal information. We will never contact you asking for your full card number, expiration date, three-digit code or one-time verification code. Instead, ask the individual for their extension, hang up, then call the main Eglin FCU number at 850.862.0111 or 800.367.6159 and enter the extension the caller gave you. Never call a number provided by an unverified individual unless you have confirmed the number is valid.
Mobile phones are another new target. For example, one scam involves sending a text message to your mobile phone claiming to be your financial institution or a credit card processor. If you receive such a text message and are unsure if it is a legitimate communication, call your financial institution's customer service center to verify that the message is genuine.
The Federal Trade Commission (FTC) released a consumer alert regarding using AI for new scams: cloning someone’s voice. This could happen to anyone. An attacker could pose as one of your family members or a co-worker (like your manager) and use the sound of their voice to try and trick you into moving money or giving out information.
Remember to always stop, look and think:
When in doubt, call the person back from a number you know.
To verify a website is genuine, double click the lock to display the website's security certificate. If the name on the certificate and the name of the website in the address bar do not match, the website may be phony.
Guard your privacy and limit the amount of personal information you share online.
Guard your privacy and limit the amount of personal information you share online.
The growth of social networking sites has made it easier for online criminals to obtain information on you. This is a way for them to gather information to answer the challenge questions most online service providers require in order to enable access to your account or retrieve and change your password. Limit the amount of personal information you publicly share online.
In order to help ensure that you and your information stay safe, check your online account statements frequently.
Despite adopting all the appropriate security measures, online users still manage to fall victim to scams and have their identity stolen. In order to help ensure that you and your information stay safe, check your online account statements frequently. If you have fallen victim to online fraud, the sooner you know about it, the sooner you can act to block your accounts, and take corrective action. If you detect suspicious activity in your account, you should immediately contact your account provider for help.
So that we may notify you as quickly as possible, it is important that Eglin FCU has your cell phone number and accurate email address.
To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S. issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.
If we suspect fraudulent ATM or debit card use, we will call you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.
So that we may notify you as quickly as possible, it is important that Eglin FCU has your cell phone number and accurate email address. Call 850.862.0111 x1402 or update your Contact Information by logging into your account via a browser or the Eglin FCU Mobile App.
In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions.
Here are some additional tips on protecting yourself from debit card fraud:
Maximize your safety at ATMs with these tips.
Maximize your safety at ATMs with these tips:
Is the mobile app secure?
The mobile app uses SSL encryption to communicate securely throughout the entire process of accessing your accounts.
How long does each login session last?
Each login session lasts 20 minutes from the beginning of the session. The timer is not reset with activity.
How can I further protect my account information?
Protect your account information by taking additional steps: - Use the screen locking feature of your mobile device. - Never save your account number on your mobile device. - Always use the Logout feature of the mobile app. - Request a password change if your device is lost or stolen. - Read "Make Your Smartphone Safe" on this page to learn more about securing your mobile device.
Smartphones give us a lot of freedom and make our lives more efficient, but they also present their own set of challenges when it comes to data security.
As technology evolves, so unfortunately do the ways that criminals can illegally access your personal information. Smartphones give us a lot of freedom and make our lives more efficient, but they also present their own set of challenges when it comes to data security. However, there is no reason why you can't make yourself more secure with a few key habits.
Hold on to it!
When you are in a public area, don't set your phone down or leave it exposed in an open bag. It only takes a second for a thief to walk off with your little lockbox of personal information. If a stranger asks to borrow your cell phone, offer to help them find a public phone they can use instead.
Lock it up
Whether it's with a password or a thumbprint, using a unique entry requirement will make it difficult or impossible for anyone else to enter your phone's data. It might be an inconvenience now, but if you lose your phone or have it stolen, you'll be glad to know the person who has your phone doesn't also have free reign over your sensitive data. Make your password tough to guess for even someone who knows you well.
Slow down a bit
When you're pinballing around between apps, the internet, your text messages and any number of other items, there's a tendency to click without a lot of thought. But like with your other computers, it's important to be very careful about the links you click on. If you don't recognize the sender of a link in a text message or email, or even if you aren't 100% sure about the origin of a link, you're better off leaving it alone.
Use extra security
While you're loading up on games, tools and other cool apps, be sure to also get yourself some security software designed for smart phones. On top of that, check regularly for updates that will keep you ahead of the criminals trying to pry into your phone. Remember though that you should always check to make sure anything you download to your phone is from a trusted source and has been reviewed for problems by other users.
Be network careful
If you're tech savvy, you may know that you can potentially save money by using a public wi-fi network when it's available instead of your phone's data service. However, it's best to avoid using these networks when you plan to access sensitive information of any kind.
Mind what's in your phone
With smartphones likely becoming more and more inextricably intertwined into your life, it may seem like it makes sense to keep your account numbers, passwords and other hard-to-remember information in a notepad document on your phone for easy access. But you should consider this only as safe as having the same information on a piece of paper loose in your pocket; it could very easily end up somewhere you don't want it to be.
Clean it up before you turn it in
When you trade in an old phone, use a "wipe" app and reset your device to the factory default settings to avoid sending a treasure chest of your data out into the world. Also check to see what kind of precautions phone recyclers use to prevent stolen information.
In case it is stolen
You may at some point find your phone gone despite all your best efforts to keep it in your possession. But it doesn't have to stay missing. If you download a "Find My Phone" app ahead of time, you can use this handy tool to figure out where your phone has found its way to. In a similar vein, an erase app installed before your phone absconds can remotely wipe the data from your phone before it falls into the wrong hands. No matter what precautionary measures you have taken, though, you need to contact your wireless provider immediately if you lose your phone.
Information security for your smartphone isn't that different from keeping your other repositories of data safe. By taking a few basic steps now, you can save yourself some major problems later on.
We are committed to taking reasonable steps to protect the security of our member's financial information in all areas of our operations.
We are committed to taking reasonable steps to protect the security of our member's financial information in all areas of our operations. Therefore, when providing access to your financial information over the Internet, we practice the following security measures:
Routing Number: 263178070 *APR = Annual Percentage Rate.
©2024 Eglin Federal Credit Union. Eglin Federal Credit Union is Federally Insured by NCUA. Equal Housing Lender (NMLS 440642). Equal Opportunity Employer. Information submitted to Eglin FCU 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).
When you receive a collateral loan from Eglin FCU you'll need to agree to maintain adequate insurance coverage.
Alfa Romeo Maserati Pensacola |
Allen Turner Chevrolet |
Allen Turner Genesis |
Allen Turner Hyundai |
Anderson Subaru |
Audi Pensacola |
BMW of Fort Walton Beach |
Buick GMC Cadillac Pensacola |
Buick GMC Fort Walton Beach |
Centennial Imports |
Chrysler Dodge Jeep Ram Crestview |
Chrysler Dodge Jeep Ram Fort Walton Beach |
David Scott Lee Buick GMC |
David Scott Lee Ft. Walton Beach |
First Choice Automotive |
Ford Crestview |
Ft. Walton Mitsubishi |
FWB Auto Brokers |
Gary Smith Ford |
Gary Smith Honda |
Hampton Hyundai |
Hill Kelly Dodge |
Kia Fort Walton Beach |
Lee Nissan |
Mazda of Fort Walton Beach |
McKenzie Buick GMC |
Mercedes-Benz of Fort Walton Beach |
Pensacola Honda |
Performance Cars Niceville |
Pete Moore Chevrolet |
Pete Moore Imports |
Porsche of Destin |
Preston Hood Chevrolet |
Sandy Sansing BMW Mini Cooper |
Sandy Sansing Chevrolet |
Sandy Sansing Chrysler Dodge Jeep Ram |
Sandy Sansing Mazda |
Sandy Sansing Milton Chevrolet |
Sandy Sansing Nissan |
Subaru Fort Walton Beach |
Tim Smith Acura |
Toyota of Fort Walton Beach |
World Ford Pensacola |
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
Vehicle type | Term | APR* (as low as) |
New or Used Up to 15 Years Old | 66 Months | 5.49% |
New or Used Up to 10 Years Old | 74 Months | 5.99% |
New or Used Up to 10 Years Old ($20k +) | 84 Months | 6.99% |
* 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 Thursday, October 3, 2024 and are subject to change
A New Auto is one that has never been titled. A Used Auto is one that has previously been titled.
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
Loan value | Loan term | APR*(as low as) |
Up to $10,000 | 60 Months | 6.75% |
Up to $25,000 | 120 Months | 7.75% |
Up to $50,000 | 144 Months | 8.00% |
Over $50,000 | 180 Months | 8.00% |
Loan value | Loan term | APR*(as low as) |
Up to $10,000 | 60 Months | 7.75% |
Up to $25,000 | 120 Months | 8.75% |
Up to $50,000 | 144 Months | 9.00% |
Over $50,000 | 180 Months | 9.00% |
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
Loan value | Loan term | APR*(as low as) |
Up to $10,000 | 60 Months | 6.75% |
Over $10,000 | 120 Months | 7.75% |
Over $25,000 | 144 Months | 8.00% |
Over $50,000 | 180 Months | 8.00% |
LOAN VALUE | LOAN TERM | APR*(as low as) |
Up to $10,000 | 60 Months | 7.75% |
Over $10,000 | 120 Months | 8.75% |
Over $25,000 | 144 Months | 9.00% |
Over $50,000 | 180 Months | 9.00% |
Loan value | Loan term | APR*(as low as) |
Up to $10,000 | 60 Months | 6.00% |
Over $10,000 | 72 Months | 7.75% |
Over $20,000 | 84 Months | 8.25% |
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
Loan value | Loan term | APR*(as low as) |
Up to $10,0001 | 48 Months | 7.00% |
Over $10,0002 | 60 Months | 7.00% |
Loan term (up to) | APR*(as low as) |
60 Months | 6.00% |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
LOAN TERM | APR* | ORIGINATION FEE | POINTS |
30 year | 5.875% | 0% | 0 |
20 year | 5.500% | 0% | 0 |
15 year | 5.000% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
LOAN TERM | APR* | ORIGINATION FEE | POINTS |
30 year | 5.875% | 0% | 0 |
20 year | 5.500% | 0% | 0 |
15 year | 5.000% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
LOAN TERM | APR* | ORIGINATION FEE | POINTS |
30 year | 5.875% | 0% | 0 |
20 year | 5.500% | 0% | 0 |
15 year | 5.000% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
INTEREST RATE | MAXIMUM COMBINED LTV** (TLTV) |
6.50% APR* | 80% |
Interest Rate | Minimum Advance | Closing Costs |
8.00% APR* | $5,000** | NONE** |
*APR = Annual Percentage Rate. The APR is variable and is based on the Wall Street Journal U.S. Prime Rate which was 8.00% as of 9/19/2024. The maximum APR will not exceed 18% and the minimum APR will not be reduced below 3% at any time during the term of the plan.
**If you chose to participate in our current Home Equity Line-of-Credit Plan Promotion, Eglin FCU will pay closing costs for bona-fide third party fees (except for an appraisal or costs associated with a purchase/deed) up to $3,000. Member agrees to reimburse Eglin Federal Credit Union for the bona-fide third party fees paid if the Plan is closed within 36-months of the loan origination date. A minimum advance of $5,000 will be required at closing with this promotion.
Maximum Loan Amounts & Restrictions - Home Equity Line of Credit
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
MAX TERM | APR* |
5 years | 8.50% |
10 years | 9.00% |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
MAX TERM | APR* |
---|---|
9 months | 5.50% |
LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
42 Months | 8.90% | $20,000 |
LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
------ | 8.90% | $20,000 |
REPAYMENT PERIOD | APR* | MAX LOAN AMOUNT |
120 days | 16.9% | $500 |
REPAYMENT PERIOD | APR* as low as | MAX LOAN AMOUNT |
42 Months | 13.90% | $3000 |
REPAYMENT PERIOD | APR* as low as | MAX LOAN AMOUNT |
42 Months | 5.00% | $2000 |
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 Certificate Loan | Available balance of Share Certificate | Paid at maturity of Share Certificate | 3% above Share Certificate Rate |
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. | 0.05% | 0.05% |
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. | 0.35% | 0.35% |
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. | 0.35% | 0.35% |
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. | 0.35% | 0.35% |
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. | 0.35% | 0.35% |
The Current APY and Dividend Rates shown are the current weekly rates in effect from 9/27/2024 - 10/3/2024. The Previous APY and Dividend Rate stated are accurate as of the last dividend declaration date, which is the last day of the previous month. 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.
Money Market Balance |
Current Dividend Rate |
Current APY* |
Previous Dividend Rate |
Previous APY* |
$.00 to 2,499.99 | 0.05% | 0.05% | 0.05% | 0.05% |
$2,500.00 to 9,999.99 | 0.95% | 0.95% | 0.95% | 0.95% |
$10,000.00 to 24,999.99 | 1.00% | 1.01% | 1.00% | 1.01% |
$25,000.00 to 49,999.99 | 1.05% | 1.06% | 1.05% | 1.06% |
$50,000.00 & up | 1.10% | 1.11% | 1.10% | 1.11% |
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. | 0.35% | 0.35% |
A $50 daily minimum balance is required to earn dividends. All Current APY and Dividend Rates shown are the current weekly rates in effect on 9/27/2024. Dividend rate and APY are variable and subject to change after the account is opened. The Previous APY and Dividend Rates stated are accurate as of the last dividend declaration date, which is the last day of the previous quarter.
Account Description | Current Dividend Rate | Current APY* | Previous Dividend Rate | Previous APY* |
Traditional IRA | 3.95% | 4.03% | 3.95% | 4.03% |
A $50 daily minimum balance is required to earn dividends. All Current APY and Dividend Rates shown are the current weekly rates in effect on 9/27/2024. Dividend rate and APY are variable and subject to change after the account is opened. The Previous APY and Dividend Rates stated are accurate as of the last dividend declaration date, which is the last day of the previous quarter.
Account Description | Current Dividend Rate | Current APY* | Previous Dividend Rate | Previous APY* |
Roth IRA | 3.95% | 4.03% | 3.95% | 4.03% |
A $2500.00 minimum deposit required. There is a penalty for early withdrawal.
Rates listed are current from 9/27/2024 - 10/3/2024.CERTIFICATE TYPE | DIVIDEND RATE | APY* |
31 Days / 1 month Certificate | 3.50% | 3.56% |
92 days / 3 month Certificate | 3.50% | 3.56% |
182 days / 6 month Certificate | 4.00% | 4.07% |
365 days / 12 month Certificate | 4.50% | 4.59% |
548 days / 18 month Certificate | 4.35% | 4.44% |
730 days / 24 month Certificate | 3.95% | 4.02% |
1095 days / 36 month Certificate | 3.85% | 3.92% |
1460 days / 48 month Certificate | 3.75% | 3.82% |
1825 days / 60 month Certificate | 3.65% | 3.71% |
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 |
Annual Fee | None |
Transaction Fees | |
Balance Transfer | None |
Cash Advance | None |
International Transaction | None |
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 |
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 |
Annual Fee | None |
Transaction Fees | |
Balance Transfer | None |
Cash Advance | None |
International Transaction | None |
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 |
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:
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.
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.
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.
Please refer to the following guidelines for providing your account number:
In compliance with The Secure and Fair Enforcement for Mortgage Licensing Act, also known as the SAFE Act, we are providing a list of Eglin FCU's registered mortgage loan originators and their Nationwide Mortgage Licensing System (NMLS) number. The SAFE Act was passed to ensure the integrity of the Mortgage Lending system by establishing a set of standards that specific mortgage professionals must meet in order to work in the mortgage industry.
Eglin FCU Mortgage Professional | NMLS ID |
Aimee N Wilson | 2536346 |
Ann Creager | 1561554 |
Ashley Hall | 1011145 |
Brian Mark Franks | 1296056 |
Carole Stanley | 1482257 |
Carrie Ann Calcutt | 2064000 |
Christina Walker | 1714720 |
Christy Milian | 490970 |
Cynthia Bower | 2064007 |
Jennifer Leigh Wyatt | 2329051 |
John Pellerin | 1011113 |
John Francis Stackpoole | 2398303 |
Judith Anne Turner | 2311448 |
Kayla Michelle Smith | 2177769 |
Lilly B. Edra | 2041564 |
Lisa Diane Freeland | 2367009 |
Mary Ann Geoghagan | 2329070 |
Michelle (Beth) Bethanne Meverden | 2460346 |
Michele (Shellie) Marie Fite | 798447 |
Mindy Danielle Dumas | 2496680 |
Nakia Cherelle Woodley | 2080609 |
NormaJean Enlow | 1212774 |
Rebecca Jean Snow | 2484799 |
Ruby Tincher | 1212771 |
Sheeny Marquez Satulan | 2237420 |
Susan Castillo Dombrigues | 490967 |
Tatyana Galenkova | 2063947 |
Teally Goodson Gorey | 2421096 |
Tiffany Michelle Cadogan | 1867034 |
Yolanda Harrison | 805809 |
Zena Payne | 490969 |
Eglin FCU | 440642 |
eStatements provide online access to your account statements instead of by mail. Besides being an excellent way to help our environment, going paperless is also a fast, convenient and safe way to view your monthly statement. This service is free to all Eglin FCU members and can be cancelled at any time. To receive eStatements, Online Banking is required.
Set up eStatements today by logging in and selecting 'eStatements' under the 'eServices' tab in the main navigation.
We recommend that members with Online Banking 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 Eglin FCU branch.
Complete the skip-a-pay form to agree to the terms* and request your preference to skip your next loan payment on your Eglin FCU 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 calendar year. 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.
Holiday | Date |
Memorial Day | Mon, May 27, 2024 |
Juneteenth | Wed, Jun. 19, 2024 |
Independence Day | Thurs, July 4, 2024 |
Labor Day | Mon, Sept. 2, 2024 |
Columbus Day | Mon, Oct. 14, 2024 |
Veterans Day (observed) | Mon, Nov. 11, 2024 |
Thanksgiving Day | Thurs, Nov. 28, 2024 |
Christmas Day | Wed, Dec. 25, 2024 |
New Year's Day | Wed, Jan. 1, 2025 |
Name | Title |
Jerry Williams | President/Chief Executive Officer |
Cathie Staton | EVP/Chief Strategy Officer |
Gina Denny | SVP/Chief Human Resources Officer |
Tim Farnsworth | SVP/Chief Technology Officer |
C. Grant | SVP/Chief Financial Officer |
Rocky Magee | SVP/Chief Information Officer |
Kim Nauta | SVP/Chief Operations Officer |
Dawn Oravetz | SVP/Chief Payments Officer |
Jon Heidt | SVP, Risk Management |
Neko Stubblefield | SVP, Membership/Community Development |
Joe Baldwin | VP, Investments |
Laura Coale | VP, Marketing/PR |
Ashley Hall | VP, Mortgage Services |
Bron Ringstad | VP, Branch Operations |
Name | Title |
Daniel McInnis | Chair |
J. Russ Corbitt | Vice Chair |
James Pitts | Secretary/Treasurer |
Richard Adams | Director |
Robert Harlan | Director |
Barbara Patty | Director |
William S. Rone | Director |