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Our Services

EFCU is a full service financial institution providing union workers credit services.  We provide our members with checking & saving accounts as well as a variety of investment and loan services. EFCU prides itself on providing both financial options and member service to labor unions and their families. Some additional services include:

Online & Mobile Banking

Access your account anytime using online banking or our mobile banking app.  Check balances, transfer funds, set up account alerts, make loan payments and more!  We also offer free online bill pay.  If you are not signed up  yet, you can enroll yourself. 


Mobile Check Deposit

Deposit checks using your mobile phone or tablet by downloading our mobile app from your phone or tablet's app store. Search "Electrical Federal Credit Union".  If you do not yet have an online account, you can create your own by clicking on "Enroll in Online & Mobile Banking".

Person taking picture of check for remote check deposit.

Contactless Debit Cards

Our Mastercard® debit card works just like a credit card only it will access your checking account like a check. We now also offer contactless debit cards, so your card can be used at all contactless, chip and non-chip terminals.  Plus you can use your card FEE FREE at any Co-Op Network ATM.

Smiling woman paying contactless using h

Savvy Money

SavvyMoney is the only solution that provides comprehensive credit score analysis, full credit report, monitoring, and personalized offers—all in one dashboard.  EFCU offers this free service through your online or mobile banking account.

People using laptop and CREDIT SCORE concept on screen

Person-to-Person Payments

Person-to-Person Payments is a simple solution to pay anyone with a mobile phone number or email address – even if they aren't an EFCU member.  Whether you owe a friend for lunch or just want to transfer money to your account at another financial institution, you can send money from the convenience of your online or mobile banking account. 

Working from Home

Access 24CU+

EFCU's audio response, Access 24CU+, lets you access your credit union accounts 24 hours a day, 7 days a week by calling 1.877.426.0302.  With just a touch tone phone and a pin number you can transfer funds, check balances and more.  To set up your pin number, please call the credit union. 

Woman on Phone

Digital Wallet

You can make shopping faster and safer at stores all over the country with Samsung Pay®, Android Pay® or Apple Pay® and more.  Just load your EFCU Visa Credit Card or your EFCU Master Card Debit into the convenient app depending on the type of phone you use. 

cContactless payment.

Courtesy Pay

EFCU offers an overdraft line of credit for your checking account with approved credit at 15.50% APR; or you can opt into Courtesy Pay, which will allow your account to go negative up to $400 for up to 20 days with a $30 fee per item being assessed. 

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