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

Borrower's 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.

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

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