Frequently asked questions
January 1st (Thursday)- New Year'sÂ
January 19th (Monday) -MLK Day
February 16th (Monday) -President's Day
May 25th (Monday) -Memorial Day
June 19th (Friday) -Juneteenth
July 3rd (Friday) -Independence Day
September 7th (Monday) -Labor Day
October 12th (Monday) -Columbus Day
November 11th (Wed)- Veteran's Day
November 26th (Thursday) -Thanksgiving
November 27th (Friday) -Thanksgiving
December 24th (Thurs. Closes at 12pm)- Christmas Eve
December 25th (Friday) -ChristmasÂ
Yes, you can earn dividends with our High Voltage Dividend/Reward Checking. Ensure you're enrolled in eStatements, complete at least 13 debit card transactions per month, and have $300 direct deposited monthly. Dividends are paid monthly if qualifications are met. Check the "Rates" tab for current rates.
EFCU values your membership and rewards our loyal members with discounted loan rates. You can receive a lower APR when you take out an Auto Loan or Signature Loan and have the following services with EFCU:
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0.20% Rate Discount
Primary borrower has a share draft/checking account and debit card with EFCU which has been active for at least 6 months prior to loan closing.Â
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0.15% Rate Discount
Primary or joint borrower has their income direct deposited to EFCU.
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0.15% Rate Discount
Borrowers have met the other two requirements, and the loan is set up to automatically transfer from an account within the credit union (transfer cannot be removed at a later time).
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*Members can qualify for one, two or all three discounts. All rates subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Not valid on existing EFCU loans. Membership is required to obtain EFCU products: $25 minimum deposit required. APR (%) + Annual Percentage Rate.
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