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There is still time to refinance your auto loan to EFCU at 0.75% off your current rate.  Learn more!

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Get up to $3,000
at 6.00% APR* for 12 months!


*Valid 11/20/23 to 12/22/2023.  Must have a FICO 9 score of 610 or higher to qualify.  All loans are subject to credit approval.  APR = annual percentage rate.

Payment Example: $3,000 at 6.00% APR for 12 months is $259 per month. 

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Auto Loans

Rates as low as 6.24% APR* for 60 months*** (with relationship pricing)

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Auto Refinance Promo

Extended to the end of the year.  Save on your monthly payment!

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Certificate Rates

12 Months
5.00% APR/5.13% APY
$1,000 Minimum

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As the only Colorado credit union, or bank, with a unionized office staff (organized through OPEIU Local 30), EFCU members can rest assured knowing they have access to competitive financial products and services while also supporting fellow labor union members.

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If you are affiliated with any of the following Colorado Labor Unions, or if you are a family member of an EFCU member, you are eligible to be a member of EFCU:


IBEW Local 68, IBEW Local 111, SMART Local 9, Plumbers Local 3 (PPF/UA Denver), UFCW 7, Carpenters Local 55, OPEIU 30, Denver Labor Council for Latin American Advancement (LCLAA) or any labor union affiliated with either the Colorado AFL-CIO or the Denver Area Labor Federation (DALF)

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We'd love to hear from you

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We are located at

5080 W 60th Avenue

Arvada, CO  80003

Lobby: Mon-Fri 9am-5pm

Drive-Up: Mon-Fri 8am-5pm

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Call us at

303-428-5080 or

Toll Free: 1-888-428-5080

Fax: 303-428-6602

Phone Banking (Access24+):


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Email us at:

Our routing number is:


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And nearly 30,000 surcharge-free ATMs nationwide.

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