Image by Patrick Tomasso

Our Story




EFCU was established on July 1, 1953 by members of IBEW 68 Denver to better the financial future of IBEW 68 members and their families. Over the years we have worked to expand our membership to include additional Denver area labor unions such as IBEW 111, UFCW 7, Plumbers Local 3, Carpenters Local 55, OPEIU 5, Sheet Metal Workers Local 9 and many other labor unions through our affiliation with the Colorado AFL-CIO and the Denver Area Labor Federation.


The goal of the credit union, from day one, is best described by our mission statement which is the following:

"To serve the current and future financial needs of our present and potential members in the most convenient and productive manner possible and provide our members with expanding financial services at fair and favorable rates and terms, while continuing to assure the credit union’s sound financial position.”


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





Today, EFCU serves the following unions and groups with pride:

International Brotherhood of Electrical Workers Local 68

(IBEW 68)

International Brotherhood of Electrical Workers Local 111

(IBEW 111)

United Food and Commercial Workers Local 7 (UFCW 7)

Plumbers Local 3 (PPF/UA Denver)

Carpenters Local 55 (CJA Denver)

SMART Local 9

Office & Professional Employees International Union Local 30

Denver Labor Council for Latin American Advancement (LCLAA)

Any labor union affiliated with either the Colorado AFL-CIO or the Denver Area Labor Federation (DALF)

Any family member of an EFCU member


As your Colorado union credit union, we can offer you significantly better rates over most banks. Credit unions like EFCU are not-for-profit cooperatives and therefore price loans, pay interest on funds you've deposited, and charge fees to provide you with high-quality, low-cost services. Banks price products and services to make a profit. You earn more on your savings--in some cases up to one percentage point--at a credit union.


Typically, loan rates also are better. Did you know that the average credit card interest rate is four percentage points better at credit unions vs. banks? Credit union auto loans average almost one and one-half percentage points less than bank's auto loan rates. That difference can save you hundreds of dollars over the term of the loan.

Credit unions, like EFCU, are owned by members and operated by volunteer boards. This is a big difference from a bank which is owned by outside stockholders and controlled by paid boards.  Because you're an owner of EFCU, your say in how we do business is important to us. Let your elected, volunteer board members and the EFCU staff, know how we're doing, and what additional services you want at your credit union. We look forward to serving you.

Lost/Stolen Debit Card/Mastercard®
Lost/Stolen Visa® Credit Card

After Hours Call:

1.800.528.2273- Domestic

1.812.647.9794- International

After Hours Call: 1.800.247.4222

Debit/Mastercard® or ATM Disputes
Credit Card/Visa® Disputes

Call: 1.800.808.6402

Call: 1-800-600-5249

Wiring Instructions:

First credit: Alloya Corporate Credit Union (Routing Number: #307087399);
Further credit: Electrical Federal CU (Routing Number: #302075416); Final credit to the member's account number.

If you need accessibility assistance with any of EFCU's digital properties, please email us at:

Federally Insured by NCUA | Equal Housing Opportunity. 


APR (%) = Annual Percentage Rate

APY=Annual Percentage Yield

Routing Number: 302075416

NMLS# 1028973

© 2020 by Electrical Federal Credit Union. All Rights Reserved.