Effective immediately, masks will be optional for employees and members at all EFCU locations unless mandated by local host organizations. Plexiglass barriers and social distancing guidelines will remain in place to facilitate safe interactions between employees and members.
We continue to encourage you to use our electronic services. For more information visit https://www.eglinfcu.org/mobilesolutions/.
Our Call Center is available to assist you by phone at 850.862.0111 or 800.367.6159.
Please check our website, https://www.eglinfcu.org/update/, for updates.
Thank you for allowing us to serve you!
Best Regards,
Jerry Williams
President/CEO
The US Government is sending a second round of economic stimulus payments to eligible individuals
The economic stimulus payments will be processed in three ways: Direct Deposit, Debit Card or Treasury Check.
Direct Deposit If you selected the direct deposit option on your most recent IRS tax return, your stimulus payment will be sent electronically to the same account where your refund was deposited. If that account is closed, you should receive a check in the mail.
Treasury Check If you requested a treasury check for your last tax refund, the IRS will mail a check to the address on your last tax return. Checks will be mailed throughout the month of January. Paper checks can be deposited by using the Mobile Deposit feature in our mobile application, at a EFCU ATM, at a branch or at the drive-up window.
Will I receive a Treasury check or a debit card? For those who don't receive a direct deposit by early January, they should watch their mail for either a paper check or a debit card. To speed delivery of the payments to reach as many people as soon as possible, the Bureau of the Fiscal Service, part of the Treasury Department, will be sending a limited number of payments out by debit card. Please note that the form of payment for the second mailed Economic Impact Payment (EIP) may be different than for the first mailed EIP. Some people who received a paper check last time might receive a debit card this time, and some people who received a debit card last time may receive a paper check.
IRS and Treasury urge eligible people who don't receive a direct deposit to watch their mail carefully during this period for a check or an EIP card, which is sponsored by the Treasury Department's Bureau of the Fiscal Service and is issued by Treasury's financial agent, MetaBank®, N.A. The EIP Card will be sent in a white envelope that prominently displays the U.S. Department of the Treasury seal. It has the Visa name on the front of the Card and the issuing bank, MetaBank®, N.A. on the back of the card. Information included with the card will explain that this is your Economic Impact Payment. More information about these cards is available at EIPcard.com.
Keep your personal information secure and remember that EFCU, or the IRS, will never call, email, or contact you via social media asking for your personally identifiable information or sensitive information.
To check on the status of your stimulus payment, please visit the U.S. Department of Treasury website – https://www.irs.gov/coronavirus/get-my-payment
Check your payment status Confirm your payment type: direct deposit or check General Information General information can be found at https://www.irs.gov/coronavirus-tax-relief-and-economic-impact-payments and https://www.irs.gov/coronavirus/get-my-payment-frequently-asked-questions
Best Regards,
Jerry Williams
President/CEO
Following the Governor’s Safe, Smart, Step-by-Step plan and guidance from the CDC, Eglin Federal Credit Union is pleased to implement Phase III of our reopening plan. Appointments are not needed for Teller or Member Services. To schedule an appointment with Mortgage Services, please call 850.862.0111 or 800.367.6159 and select extension 1830.
The health and safety of our members and employees remains a top priority. We continue to comply with recommended guidelines. Plexiglass barriers will remain in place to facilitate safe member-employee interactions. Social distancing rules will be enforced with directional signs and floor markings. Employees are required to wear masks unless social distancing can be maintained. Masks are strongly encouraged but optional for members.
We continue to encourage you to use our electronic services. For more information visit https://www.eglinfcu.org/mobilesolutions/.
Our Call Center is available to assist you by phone at 850.862.0111 or 800.367.6159.
Please check our website, https://www.eglinfcu.org/update/, for updates.
Thank you for allowing us to serve you!
Best Regards,
Jerry Williams
President/CEO
Following the Governor's Safe, Smart, Step-by-Step plan and guidance from the CDC, Eglin Federal Credit Union is pleased to implement Phase II of our reopening plan. Appointments are not needed for Teller or Member Services. To schedule an appointment with Mortgage Services, please call 850.862.0111 or 800.367.6159 and select extension 1830.
The health and safety of our members and employees remains a top priority. We are complying with recommended guidelines. Plexiglass barriers are in place to facilitate safe member-employee interactions. Social distancing rules will be enforced with directional signs and floor markings. Employees will be stationed at entrances to regulate the flow of traffic in the lobbies.
We continue to encourage you to use our electronic services. For more information visit https://www.eglinfcu.org/mobilesolutions/.
Our Call Center is available to assist you by phone at 850.862.0111 or 800.367.6159.
Please check our website, https://www.eglinfcu.org/update/, for updates.
Thank you for allowing us to serve you!
Best Regards,
Jerry Williams
President/CEO
Following the Governor's Safe, Smart, Step-by-Step plan and guidance from the CDC, Eglin Federal Credit Union is pleased to implement Phase I of our reopening plan. All branches are now open on a limited basis.
The health and safety of our members and employees remains a top priority. We are complying with recommended guidelines. Plexiglass barriers are in place to facilitate safe member-employee interactions. Social distancing signs and floor markings are in place. Employees will be stationed at entrances to regulate the flow of traffic in the lobbies.
No appointment necessary for teller services.
Appointments are required for branch member services, loans and new accounts. To schedule an appointment at the branch of your choice, call 850.862.0111 or 800.367.6159 and select option 9.
We continue to encourage you to use our electronic services, for more information visit https://www.eglinfcu.org/mobilesolutions/.
Our Call Center is available to assist you by phone at 850.862.0111 or 800.367.6159.
Please check our website, https://www.eglinfcu.org/update/, for updates.
Thank you for allowing us to serve you!
Best Regards,
Jerry Williams
President/CEO
Florida Governor Ron DeSantis recently released Phase 1 of his plan to reopen Florida. Phase 1 of the Florida plan goes into effect on Monday, May 4th.
Following the Governor’s Safe, Smart, Step-by-Step plan and guidance from the CDC, Eglin Federal Credit Union is finalizing plans to reopen our lobbies to members on a limited scale. Specific dates and details of those plans will be made available in the very near future.
Until our plans are announced, we encourage you to use our electronic services. Instructions for use can be found at https://www.eglinfcu.org/mobilesolutions/. Our call center is available to assist you by phone at 850.862.0111 or 800.367.6159.
Please check our website, https://www.eglinfcu.org/update/, for updates.
Thank you for allowing us to serve you!
Best Regards,
Jerry Williams
President/CEO
The US Government is preparing to send economic stimulus payments to eligible individuals in the near future. Eglin Federal Credit Union wants to help you receive your payment with minimal effort and maximum security by providing these tips.
The economic stimulus payments will be processed in two ways: Direct Deposit or Treasury Check.
Direct Deposit
If you selected the direct deposit option on your most recent IRS tax return, your stimulus payment will be sent electronically to the same account that you specified on your tax return.
If there are no changes to the account information or ownership, you do not need to take any action. However, if the account information or ownership of the account has changed, please contact the IRS to update your information (See Filers below).
The Direct Deposit option is faster and more secure than the Treasury Check option as it eliminates the possibility of the check being lost or stolen in transit.
Treasury Check
If you requested a treasury check for your last tax refund, the IRS will mail a check to the address on your last tax return.
Paper checks can be deposited by using the Mobile Deposit feature in our mobile application, at an EFCU ATM or at a drive-up window.
Keep your personal information secure and remember that EFCU, or the IRS, will never call, email, or contact you via social media asking for your personally identifiable information or sensitive information.
Filers
Use the Get Your Payment application (coming mid-April) to:
Non-Filers
The IRS is adding a portal for non-tax filers to add their account information if the IRS does not already have your information on file.
Direct Deposit Set-Up
When adding or updating your account information for Direct Deposit, please enter your account number from your statement (not from your check or deposit slip) and select the checking or savings option. You do not need to add leading zeros.
General Information
General information can be found at Coronavirus Tax Relief and Economic Impact Payments.
Please check our website frequently for updates and information on how to prevent fraudulent activity on your accounts.
Best Regards,
Jerry Williams
President/CEO
Yesterday, Florida Gov. Ron DeSantis issued a stay-at-home order for the entire state. The order goes into effect today at midnight and will last for at least 30 days. The Governor's Executive Order Number 20-91 references the "essential services" list maintained by the US Department of Homeland Security. The Financial Services sector is on that list.
The Department of Homeland Security's position is that banks and credit unions provide essential services. That is consistent with the position that both Eglin AFB and Hurlburt Field held last Tuesday when they implemented "mission essential only" rules for accessing the bases.
Following their guidance, EFCU has a responsibility and an opportunity to serve our member's financial needs. Whether our employees are working at a branch location or from home, we are dedicated to keeping the financial wheels turning during this challenging time.
Please check our website https://www.eglinfcu.org/update/ for updates.
Thank you for allowing us to serve you!
Best Regards,
Jerry Williams
President/CEO
Eglin Federal Credit Union appreciates our members and is sensitive to the financial difficulties that many of you are experiencing or will likely experience in the days ahead. We are actively monitoring the situation and are working diligently to balance the healthcare and financial issues for our employees and members. I've listed below our current status.
Drive-Up Lanes Open at all EFCU Locations
Our employees continue to serve members through the Drive-Up lanes at all EFCU locations, including Eglin AFB and Hurlburt Field.
Limited Lobby Services by Appointment Only
Appointments are available for members needing access to safe deposit boxes, requiring notary services for Credit Union-related business or requiring a Medallion Signature Guarantee.
Relief Options
Several relief options are available to assist members that are struggling financially during this challenging time. These options are customized to each member's needs. Please contact us to see how we can assist you.
Back-office and Electronic Services
Our back-office employees, some working from home, continue to post payrolls and other credits/debits on our normal schedule. Using our electronic services to access your account is highly encouraged.
Updates
Please check our website at https://www.eglinfcu.org/update/ for updates to:
Best Regards,
Jerry Williams
President/CEO
Effective March 23, 2020, lobbies will be closed at all EFCU locations. Teller services will be limited to the Drive-Up lanes.
We encourage all members to use our electronic services. Instructions for use can be found at eglinfcu.org/mobilesolutions/.
Our Call Center is available to assist you by phone at 850.862.0111 or 800.367.6159.
Secure messages can be submitted through eglinfcu.org/contact/.
Insecure email can be sent to [email protected]. Please do not send private data via insecure email.
Please contact us to schedule an appointment if you need access to your safe deposit box, require a notary service for Credit Union related business or require a Medallion Signature Guarantee.
If you find yourself having financial difficulties due to the current situation, please contact us for assistance. Every situation is different and we want to find ways to help you in this time of need.
A summary of our locations and hours of operation can be found at eglinfcu.org/locations/summaryOfBranches/.
Check our website for updates at eglinfcu.org/update/.
These measures are being taken for the safety of our members and employees. Thank you for your understanding and cooperation as we work together during this challenging time.
Best Regards,
Jerry Williams
President/CEO
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 EFCU via email is not encrypted and may not be secure. Links to other sites are provided as a convenience to our visitors. The Credit Union is not responsible for the availability, content, or privacy practices of any linked site. Images used for representational purposes only; do not imply government endorsement. If you experience any problems accessing our website or using online services, please call 800.367.6159 during our normal business hours (Monday-Friday 9am-5pm CST, excluding federal holidays).
When you receive a collateral loan from EFCU you'll need to agree to maintain adequate insurance coverage.
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Alfa Romeo Maserati Pensacola |
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Allen Turner Chevrolet |
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Allen Turner Hyundai |
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Anderson Subaru |
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Audi Pensacola |
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BMW of Fort Walton Beach |
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Buick GMC Cadillac Pensacola |
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Buick GMC Fort Walton Beach |
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Centennial Imports |
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Chrysler Dodge Jeep Ram Crestview |
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Chrysler Dodge Jeep Ram Fort Walton Beach |
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David Scott Lee Buick GMC |
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David Scott Lee Ft. Walton Beach |
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First Choice Automotive |
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Ford Crestview |
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Ft. Walton Mitsubishi |
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FWB Auto Brokers |
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Gary Smith Ford |
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Gary Smith Honda |
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Hampton Hyundai |
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Hill Kelly Dodge |
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Kia Fort Walton Beach |
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Lee Nissan |
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Mazda of Fort Walton Beach |
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McKenzie Buick GMC |
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Mercedes-Benz of Fort Walton Beach |
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Pensacola Honda |
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Performance Cars Niceville |
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Pete Moore Chevrolet |
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Pete Moore Imports |
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Porsche of Destin |
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Preston Hood Chevrolet |
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Sandy Sansing BMW Mini Cooper |
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Sandy Sansing Chevrolet |
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Sandy Sansing Chrysler Dodge Jeep Ram |
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Sandy Sansing Mazda |
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Sandy Sansing Milton Chevrolet |
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Sandy Sansing Nissan |
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Subaru Fort Walton Beach |
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Tim Smith Acura |
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Toyota of Fort Walton Beach |
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Volkswagen Fort Walton Beach |
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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 Friday, April 19, 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 (Option 3) or via secure email
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
| 30 year | 7.00% | 0% | 0 |
| 20 year | 6.750% | 0% | 0 |
| 15 year | 6.375% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
| 30 year | 7.00% | 0% | 0 |
| 20 year | 6.750% | 0% | 0 |
| 15 year | 6.375% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| LOAN TERM | APR* | ORIGINATION FEE | POINTS |
| 30 year | 7.00% | 0% | 0 |
| 20 year | 6.750% | 0% | 0 |
| 15 year | 6.375% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 (Option 3) or via secure email
| INTEREST RATE | MAXIMUM COMBINED LTV** (TLTV) |
| 6.50% APR* | 80% |
| Interest Rate | Minimum Advance | Closing Costs |
| 8.50% APR* | $5,000** | NONE** |
*APR = Annual Percentage Rate. The APR will vary based on the Wall Street Journal Prime Rate which was 8.50% as of 7/27/2023. Rates and terms are subject to change without notice. The maximum APR will not exceed 18%.
**If you chose to participate in our current Home Equity Line-of-Credit Plan Promotion, EFCU 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 (Option 3) 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 (Option 3) 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 | Rate is 3% above Share Certificate Rate. Maximum term is Maturity of Share Certificate. | Paid at maturity | 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 4/19/2024 - 4/25/2024. 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.
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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 4/19/2024. 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 4/19/2024. 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 4/19/2024 - 4/25/2024.| 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 EFCU'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.
| EFCU 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 |
| Nikita LaShon Torres | 1849764 |
| 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 EFCU 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 EFCU branch.
Complete the skip-a-pay form to agree to the terms* and request your preference to skip your next loan payment on your EFCU loan product. Please note: It may take up to 2 business days to process your request. If submitted via DocuSign, you will receive a confirmation email when your request has been processed. If you have questions or need additional assistance, please call 850.862.0111 or 800.367.6159.
*Subject to approval. Your account must be in good standing. This offer is subject to a $20 processing fee for each loan payment skipped. Only one skip allowed per loan per 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 |
| New Year's Day | Mon, Jan. 1, 2024 |
| Martin Luther King, Jr. Day | Mon, Jan. 15, 2024 |
| Presidents Day | Mon, Feb. 19, 2024 |
| 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 |
| Kenny Girot | SVP/Chief Growth 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 |
| Laura Coale | VP, Marketing/PR |
| Bron Ringstad | VP, Branch Operations |
| Neko Stubblefield | VP, Membership/Community Development |
| 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 |
Several relief options are available to assist members that are struggling financially during this challenging time. These options are customized to each member's needs. Please contact us to see how we can assist you.
Relief options include, but are not limited to:
Microsoft Internet Explorer (Version 10 and higher)
Microsoft Edge (Current version)
Google Chrome (Current Version)
Safari (Current Version*)
Opera (Current Version)