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Frequently asked questions
January 1st (Thursday)- New Year's
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) -Christmas
Members can earn dividends on their checking account with our High Voltage Dividend/Reward Checking. No need to sign up! Your current checking account is automatically eligible.
Here's How:
• You must be enrolled in eStatements
• Have at least 13 debit card transactions post and settle each Qualification Period*
• Have at least $300 direct deposited by ACH into the checking account each Qualification Period*
*Qualification Period starts on the 1st day of the month and ends on the last day of the month.
This is a reverse tier type of account product, so the highest rate is earned on the smaller balance range. Dividends for High Voltage Checking are only paid at the end of each month if all qualifications are met during the Qualification Period. If the qualifications are not met, no dividends will be paid for that month. Members who do not have a share draft/checking or like using debit cards always have the option to earn dividends on our other savings and certificate products.
Current Tiers and Rates:
Dividends are compounded daily and credited monthly. Dividend Rates and APY are subject to change without notice. Earnings could be reduced if fees are added. If an account is closed before dividends are paid for the current period, the credit union will withhold dividends that have been accrued but not paid for that period. Membership eligibility is required. One High Voltage Checking account allowed per primary member.
See current rates under the "Rates" tab.
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:
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.
0.15% Rate Discount
Primary or joint borrower has their income direct deposited to EFCU.
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).
*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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