Learn more about the Eglin FCU Mobile App at eglinfcu.org/mobileapp or by clicking any of the links below.
Make deposits without visiting a branch.
Making a check deposit at a physical branch is not your only option. The Eglin FCU Mobile App and all Eglin FCU ATMs provide the ability to deposit a check without physically visiting a branch.
Deposit checks from your mobile device.
Mobile Deposit on the Eglin FCU Mobile App allows you to make a deposit anytime no matter where you are. All you need is a mobile device and a connection to the internet. All transactions made from within our mobile app are encrypted and secure. The Eglin FCU Mobile App requires Online Banking, if you do not have Online Banking, you may apply now at eglinfcu.org/forms. To learn more about the Eglin FCU Mobile App, or to download, visit eglinfcu.org/mobileapp.
Deposit money while you're on the road.
Several Eglin FCU ATMs accept both cash and check deposits and make depositing multiple checks particularly convenient. We have more than 40 ATMs in and around Okaloosa County as well as numerous surcharge-free ATMs in our network. To view the list of Eglin FCU ATMs that accept deposits, visit eglinfcu.org/locations/efcuATMs. To locate a surcharge-free ATM near you, visit eglinfcu.org/locations.
Be sure to properly endorse your checks.
Gain control of your credit health with your free comprehensive credit report, including your credit score.
Check out the easy-to-use Credit Score Simulator, powered by SavvyMoney, which takes the guesswork out of managing your credit. It takes the "what-ifs" and generates an approximate credit score to help you see where you stand.
If you are an Online Banking user, you can log in to your Eglin FCU account, and click on the "Track my Score" button to have access to your credit report as often as you like without impacting your credit score. In the Mobile App, you can find it under the "view your free credit score & report" button. This service is FREE.
Now available when logged into your account online via a browser or the Eglin FCU Mobile App. Click the banner in Online Banking or the Mobile App and agree to the terms to access this new and exciting feature.
It is important to understand the value of monitoring your credit information regularly as your credit score has a major impact on the Annual Percentage Rate you qualify for on auto loans, credit cards, mortgages and more. We've made this easier than ever by providing 24/7 access to your free, comprehensive credit report when logged into your account online via a browser or the app. Your free credit report makes checking and monitoring your credit both easy and efficient without affecting your score.
If you have ever received your credit score from the three major credit bureaus, you may have noticed that these scores are not the same. Why do credit scores vary? Here is why.
Scoring Models
Differences in credit scores derive from the numerous credit scoring models that are used in the financial industry. Credit scoring models are used by credit bureaus to collect and analyze your statistical data to determine your credit eligibility. There are a range of credit scoring models that weigh in on varying factors which change the way scores are computed, however, Eglin FCU uses the FICO 9 scoring model and the VantageScore model.
FICO Scoring Model
The FICO Scoring model has been around since 1989 and is the most widely used measure of creditworthiness primarily due to its longevity. FICO scores take payment history, credit utilization, credit history, types of credit, and new credit into account when determining its credit score, with much emphasis or "weight" placed on payment history and credit utilization. Eglin FCU has upgraded to VantageScore Model which is the score used for all Eglin FCU loan decisions.
VantageScore Model
The VantageScore model was created by the three major credit bureaus (Experian, Equifax, and Transunion) in 2006. The VantageScore model takes payment history, age and type of credit, credit utilization, total balances, recent behavior, and available credit into account when determining its credit score, with much emphasis or "weight" placed on payment history, age and type of credit, and credit utilization. Your free credit score uses the VantageScore model.
If you have any further questions regarding your comprehensive credit report, contact us at 850.862.0111 x.1421.
Manage your Eglin FCU Credit and/or Debit Card usage through your mobile device by defining when, where and how your card is used.
Manage your Eglin FCU Credit and/or Debit Card usage through your mobile device by defining when, where and how your card is used. Available for Android and Apple devices, our free CardControls app enables you to set controls regarding the transaction types, geographic rules, and the merchant types where your Eglin FCU Debit or Credit Card can be used.
How can I hide one of my accounts from the Accounts page?
Tap the gear icon in the appropriate section on the "Accounts" page of the mobile app to access the "Edit Accounts" page. From there, tap the pencil icon next to the account you wish to adjust. You will be presented with options to nickname that account, hide it (or unhide it) and set your "Primary Transfer From" preference. Please note that toggling on the "Hide in the List" switch on an account will not only hide it from the list on the "Accounts" page, but also hide it from every other aspect of the app, including the "From" and "To" fields while initiating or setting up a transfer. |
Why can't I see all of my accounts?
For your convenience the mobile app offers customizations for your accounts, such as the option to nickname an account, hide (or unhide) an account, and set an account as your preferred "Primary Transfer From" suffix. If you cannot see one of your accounts on the "Accounts" page, nor as an option in the "From" and "To" fields while initiating or setting up a transfer, it may be hidden. Tap the gear icon in the appropriate section on the "Accounts" page of the mobile app to access the "Edit Accounts" page. From there, look for the hidden account under the "Display Hidden Accounts" section and tap the pencil icon next to it. Toggle off the "Hide in the List" switch, then tap "Save." |
How do I nickname my accounts?
Tap the gear icon in the appropriate section on the "Accounts" page of the mobile app to access the "Edit Accounts" page. From there, tap the pencil icon next to the account you wish to adjust. You will be presented with options to nickname that account, hide it (or unhide it) and set your "Primary Transfer From" preference. |
Where is the Rewards link for my Rewards Mastercard?
To access the rewards site (Dreampoints), first select your Rewards Mastercard from the Accounts page, this will take you to the transaction history page for your credit card. From there, select the gear icon in the top right corner of the card tile at the top of the page. A "Card Rewards" button will be displayed on that page, simply tap it to be redirected and automatically signed into the Dreampoints rewards site. |
Where is the CardControls link?
To access CardControls, tap the "Services" menu item in the main navigation at the bottom of the screen. On the "Services" page is a button labeled "CardControls." Tapping the CardControls button will automatically open and sign you into the CardControls app. If you do not have the CardControls app installed on your device you will instead be taken to the app store to download and install. Once the CardControls app is installed, follow the previous instructions to gain access. |
Where can I opt in and out of Courtesy Pay for Debit POS Transactions?
To opt in and out of Courtesy Pay for Debit POS Transactions, tap the profile icon located in the top right corner of the mobile app. Once on your profile page you will see a button labeled Courtesy Pay for Debit POS Transactions listed at the top. Tap that button to open the Courtesy Pay for Debit POS Transactions page where a list of eligible accounts is displayed along with a toggle for each. To opt in or out, toggle the switch and tap "Save." If you are opting into Courtesy Pay for Debit POS transactions you will be presented with the Courtesy Pay for Debit POS Transactions disclosure and agreement, you must agree to this for your opt-in request to be fulfilled. |
Where can I update my contact information?
To update your contact information, select the profile icon in the top right corner of the mobile app. This will take you to the Profile page where you can update your phone numbers, email and address on system. You can also make adjustments to your security settings such as your username and password as well as alerts and two-factor authentication preferences on this page. |
Where do I logout?
After a short period of inactivity you will be logged out. You may also force the session to close by closing out the app entirely or by selecting "Log Out" on the Profile page which can be accessed by tapping the profile icon in the top right corner. |
How do I turn on Quick View?
Quick View can be enabled by tapping "More" in the main navigation and then toggling the Quick View setting on. The Quick View button will then be presented on the login screen of the app. It is not recommended to turn this setting on if you share your device with others, to ensure the privacy of your data. |
How do I turn on Dark Mode?
Dark Mode can be enabled by tapping "More" in the main navigation and then toggling the Dark Mode setting on. Please note Dark Mode will only affect the appearance of the app itself, third party services such as Bill Pay and Your Credit Score and Report are unaffected by this setting. |
If I leave the app it does not log me out, is this an error or a new feature?
For your convenience and to reduce many of the frustrations members have expressed regarding the authentication process, the app will no longer log you out immediately upon leaving it. After a short period of inactivity, however, you will be logged out. You may also force the session to close by closing out the app entirely or selecting "Log Out" on the Profile page. |
I toggled "Enable PIN code" to on. Why didn't it prompt me to create a PIN?
You will be prompted to create your 4-digit PIN code the next time you log in after toggling this setting on. |
How do I change the accounts I am transferring to and from on the transfers page?
There are two views to choose from that change the functionality of the account selection mechanism on the Transfers page. Tap the icon in the top right corner of the transfers page to toggle between these two views. The "list" view allows you to select your sending and receiving accounts by tapping them to present a list of available accounts while the "card" view allows you to swipe right and left to scroll through your available accounts. |
How do I transfer funds to another member?
To transfer funds to another member you will need to know the other member's account number, first two letters of their last name, and the suffix type and number of the account suffix you wish to transfer funds to. To start, visit the transfers page and tap "+ Add Transfer". Select the account you wish to transfer funds from in the "From" field, then select "New Account" in the "To" field and check "Other Member of this Credit Union." The necessary fields will then be displayed on the page. Enter the other member's account number, then select the account type (if you are transferring to checking or savings, select "Share"). Enter the suffix number, for example 1 for savings or 9 for checking. Enter the first two letters of the other members last name. Then select the date which you would like the transfer to occur on. If you have any comments to add, enter them in the comments field; comments will be displayed to you and the other member in transaction history. Finally, enter the amount you wish to transfer and tap "Submit." You may be presented with a security challenge at this point. Once the transfer has been successfully entered you will see a confirmation screen. |
How do I schedule a transfer?
To schedule a transfer to occur on a future date , tap the "Transfers" button in the main navigation at the bottom of the screen. Tap "+ Add Transfer" to begin a new transfer. At the top of that page, select the account you would like to transfer from and the account you would like to transfer to. Tap the "Payment Date" field, select the date from the calendar that is displayed and tap "Apply." Finally, enter the amount you wish to transfer and tap "Submit." You may be presented with a security challenge at this point. Once the transfer has been completed successfully, you will see a confirmation screen. |
How do I set up a recurring transfer?
To set up a recurring transfer, tap the "Transfers" button in the main navigation at the bottom of the screen. Tap "+ Add Transfer" to begin a new transfer. At the top of that page, select the account you would like to transfer from and the account you would like to transfer to. Toggle the "Recurring" switch to "on" and then select the frequency for how often you would like the transfer to occur. To schedule your recurring transfer for a future date, tap the "Payment Date" field, select the date from the calendar that is displayed and tap "Apply." Finally, enter the amount you wish to transfer and tap "Submit." You may be presented with a security challenge at this point. Once the transfer has been completed successfully, you will see a confirmation screen. |
Can I transfer funds from my Eglin FCU account to another financial institution?
Currently the External Transfers feature can only be used to make payments to your Eglin FCU loan or Mastercard from your account at another financial institution. In order to perform these transactions you must have a current Eglin FCU Mastercard or loan on system and you must first establish the connection to your other account by selecting "+ Add Account" on the "External Accounts" page available in the "Services" section of the mobile app, completing all the fields presented and following the instructions to authenticate your ownership of the external account. |
Can I transfer funds from my account at another financial institution to my Eglin FCU account?
You may transfer funds from your account at another financial institution to your loan or Mastercard at Eglin FCU through the "External Transfers" feature. You will first need to establish the connection by authenticating ownership of your other account. To do so, tap "Services", then "External Accounts" and then tap the "+ Add Account" button at the bottom of the screen. From there, input the routing number at your other financial institution, the type of account you are connecting to, the account number and the account name. Once you have completed all of those fields, tap "Continue." You will then be presented with the information you just entered and a button to continue. After tapping continue, a message will appear letting you know the account will not be available to receive transfers from until the setup is complete. Tap "Ok." A confirmation screen will then be presented with instructions for completing the process. |
Learn more about the Eglin FCU Mobile App at eglinfcu.org/mobileapp or by clicking any of the links below.
Learn more about the Eglin FCU Mobile App at eglinfcu.org/mobileapp or by clicking any of the links below.
Learn more about the Eglin FCU Mobile App at eglinfcu.org/mobileapp or by clicking any of the links below.
Learn more about the Eglin FCU Mobile App at eglinfcu.org/mobileapp or by clicking any of the links below.
Learn more about the Eglin FCU Mobile App at eglinfcu.org/mobileapp or by clicking any of the links below.
Learn more about the Eglin FCU Mobile App at eglinfcu.org/mobileapp or by clicking any of the links below.
Learn more about the Eglin FCU Mobile App at eglinfcu.org/mobileapp or by clicking any of the links below.
Routing Number: 263178070 *APR = Annual Percentage Rate.
©2024 Eglin Federal Credit Union. Eglin Federal Credit Union is Federally Insured by NCUA. Equal Housing Lender (NMLS 440642). Equal Opportunity Employer. Information submitted to Eglin FCU via email is not encrypted and may not be secure. Links to other sites are provided as a convenience to our visitors. The Credit Union is not responsible for the availability, content, or privacy practices of any linked site. Images used for representational purposes only; do not imply government endorsement. If you experience any problems accessing our website or using online services, please call 800.367.6159 during our normal business hours (Monday-Friday 9am-5pm CST, excluding federal holidays).
When you receive a collateral loan from Eglin FCU you'll need to agree to maintain adequate insurance coverage.
Alfa Romeo Maserati Pensacola |
Allen Turner Chevrolet |
Allen Turner Genesis |
Allen Turner Hyundai |
Anderson Subaru |
Audi Pensacola |
BMW of Fort Walton Beach |
Buick GMC Cadillac Pensacola |
Buick GMC Fort Walton Beach |
Centennial Imports |
Chrysler Dodge Jeep Ram Crestview |
Chrysler Dodge Jeep Ram Fort Walton Beach |
David Scott Lee Buick GMC |
David Scott Lee Ft. Walton Beach |
First Choice Automotive |
Ford Crestview |
Ft. Walton Mitsubishi |
FWB Auto Brokers |
Gary Smith Ford |
Gary Smith Honda |
Hampton Hyundai |
Hill Kelly Dodge |
Kia Fort Walton Beach |
Lee Nissan |
Mazda of Fort Walton Beach |
McKenzie Buick GMC |
Mercedes-Benz of Fort Walton Beach |
Pensacola Honda |
Performance Cars Niceville |
Pete Moore Chevrolet |
Pete Moore Imports |
Porsche of Destin |
Preston Hood Chevrolet |
Sandy Sansing BMW Mini Cooper |
Sandy Sansing Chevrolet |
Sandy Sansing Chrysler Dodge Jeep Ram |
Sandy Sansing Mazda |
Sandy Sansing Milton Chevrolet |
Sandy Sansing Nissan |
Subaru Fort Walton Beach |
Tim Smith Acura |
Toyota of Fort Walton Beach |
World Ford Pensacola |
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
Vehicle type | Term | APR* (as low as) |
New or Used Up to 15 Years Old | 66 Months | 5.99% |
New or Used Up to 10 Years Old | 74 Months | 6.49% |
New or Used Up to 10 Years Old ($20k +) | 84 Months | 7.49% |
* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Thursday, November 21, 2024 and are subject to change
A New Auto is one that has never been titled. A Used Auto is one that has previously been titled.
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
Loan value | Loan term | APR*(as low as) |
Up to $10,000 | 60 Months | 6.75% |
Up to $25,000 | 120 Months | 7.75% |
Up to $50,000 | 144 Months | 8.00% |
Over $50,000 | 180 Months | 8.00% |
Loan value | Loan term | APR*(as low as) |
Up to $10,000 | 60 Months | 7.75% |
Up to $25,000 | 120 Months | 8.75% |
Up to $50,000 | 144 Months | 9.00% |
Over $50,000 | 180 Months | 9.00% |
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
Loan value | Loan term | APR*(as low as) |
Up to $10,000 | 60 Months | 6.75% |
Over $10,000 | 120 Months | 7.75% |
Over $25,000 | 144 Months | 8.00% |
Over $50,000 | 180 Months | 8.00% |
LOAN VALUE | LOAN TERM | APR*(as low as) |
Up to $10,000 | 60 Months | 7.75% |
Over $10,000 | 120 Months | 8.75% |
Over $25,000 | 144 Months | 9.00% |
Over $50,000 | 180 Months | 9.00% |
Loan value | Loan term | APR*(as low as) |
Up to $10,000 | 60 Months | 6.00% |
Over $10,000 | 72 Months | 7.75% |
Over $20,000 | 84 Months | 8.25% |
Questions? Call 850.862.0111 option 2 or email Consumer Loans via secure email.
Loan value | Loan term | APR*(as low as) |
Up to $10,0001 | 48 Months | 7.00% |
Over $10,0002 | 60 Months | 7.00% |
Loan term (up to) | APR*(as low as) |
60 Months | 6.00% |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
LOAN TERM | APR* | ORIGINATION FEE | POINTS |
30 year | 6.750% | 0% | 0 |
20 year | 6.500% | 0% | 0 |
15 year | 6.125% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
LOAN TERM | APR* | ORIGINATION FEE | POINTS |
30 year | 6.750% | 0% | 0 |
20 year | 6.500% | 0% | 0 |
15 year | 6.125% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
LOAN TERM | APR* | ORIGINATION FEE | POINTS |
30 year | 6.750% | 0% | 0 |
20 year | 6.500% | 0% | 0 |
15 year | 6.125% | 0% | 0 |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
INTEREST RATE | MAXIMUM COMBINED LTV** (TLTV) |
6.50% APR* | 80% |
Interest Rate | Minimum Advance | Closing Costs |
7.75% APR* | $5,000** | NONE** |
*APR = Annual Percentage Rate. The APR is variable and is based on the Wall Street Journal U.S. Prime Rate which was 7.75% as of 11/8/2024. The maximum APR will not exceed 18% and the minimum APR will not be reduced below 3% at any time during the term of the plan.
**If you chose to participate in our current Home Equity Line-of-Credit Plan Promotion, Eglin FCU will pay closing costs for bona-fide third party fees (except for an appraisal or costs associated with a purchase/deed) up to $3,000. Member agrees to reimburse Eglin Federal Credit Union for the bona-fide third party fees paid if the Plan is closed within 36-months of the loan origination date. A minimum advance of $5,000 will be required at closing with this promotion.
Maximum Loan Amounts & Restrictions - Home Equity Line of Credit
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
MAX TERM | APR* |
5 years | 8.50% |
10 years | 9.00% |
Questions?
Contact our Mortgage Services team today at 850.862.0111 x.3737 or via secure email
MAX TERM | APR* |
---|---|
9 months | 5.50% |
LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
42 Months | 8.90% | $20,000 |
LOAN TERM | APR* as low as | MAX LOAN AMOUNT |
------ | 8.90% | $20,000 |
REPAYMENT PERIOD | APR* | MAX LOAN AMOUNT |
120 days | 16.9% | $500 |
REPAYMENT PERIOD | APR* as low as | MAX LOAN AMOUNT |
42 Months | 13.90% | $3000 |
REPAYMENT PERIOD | APR* as low as | MAX LOAN AMOUNT |
42 Months | 5.00% | $2000 |
LOAN TYPE | MAX LOAN AMOUNT | REPAYMENT PERIOD | APR* |
Share Loan Pledging S1 or S4 | Available balance in account pledged | 84 months | 2.00% |
Share Loan Pledging S7 | Available balance in account pledged | 84 months | 2.50% |
Share Certificate Loan | Available balance of Share Certificate | Paid at maturity of Share Certificate | 3% above Share Certificate Rate |
PREMIUM CHECKING | DIVIDEND RATE | APY* |
A $500 minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 0.05% | 0.05% |
REGULAR SHARE SAVINGS | DIVIDEND RATE | APY* |
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 0.35% | 0.35% |
FL UNIFORM TRANSFER TO MINORS SAVINGS | DIVIDEND RATE | APY* |
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 0.35% | 0.35% |
CHRISTMAS CLUB SAVINGS | DIVIDEND RATE | APY* |
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 0.35% | 0.35% |
VIP SAVINGS | DIVIDEND RATE | APY* |
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 0.35% | 0.35% |
The Current APY and Dividend Rates shown are the current weekly rates in effect from 11/15/2024 - 11/21/2024. The Previous APY and Dividend Rate stated are accurate as of the last dividend declaration date, which is the last day of the previous month. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends.
Money Market Balance |
Current Dividend Rate |
Current APY* |
Previous Dividend Rate |
Previous APY* |
$.00 to 2,499.99 | 0.05% | 0.05% | 0.05% | 0.05% |
$2,500.00 to 9,999.99 | 0.95% | 0.95% | 0.95% | 0.95% |
$10,000.00 to 24,999.99 | 1.00% | 1.01% | 1.00% | 1.01% |
$25,000.00 to 49,999.99 | 1.05% | 1.06% | 1.05% | 1.06% |
$50,000.00 & up | 1.10% | 1.11% | 1.10% | 1.11% |
COVERDELL EDUCATION SAVINGS | DIVIDEND RATE | APY* |
A $50 daily minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends. | 0.35% | 0.35% |
A $50 daily minimum balance is required to earn dividends. All Current APY and Dividend Rates shown are the current weekly rates in effect on 11/15/2024. Dividend rate and APY are variable and subject to change after the account is opened. The Previous APY and Dividend Rates stated are accurate as of the last dividend declaration date, which is the last day of the previous quarter.
Account Description | Current Dividend Rate | Current APY* | Previous Dividend Rate | Previous APY* |
Traditional IRA | 3.95% | 4.03% | 3.95% | 4.03% |
A $50 daily minimum balance is required to earn dividends. All Current APY and Dividend Rates shown are the current weekly rates in effect on 11/15/2024. Dividend rate and APY are variable and subject to change after the account is opened. The Previous APY and Dividend Rates stated are accurate as of the last dividend declaration date, which is the last day of the previous quarter.
Account Description | Current Dividend Rate | Current APY* | Previous Dividend Rate | Previous APY* |
Roth IRA | 3.95% | 4.03% | 3.95% | 4.03% |
A $2500.00 minimum deposit required. There is a penalty for early withdrawal.
Rates listed are current from 11/15/2024 - 11/21/2024.CERTIFICATE TYPE | DIVIDEND RATE | APY* |
31 Days / 1 month Certificate | 3.50% | 3.56% |
92 days / 3 month Certificate | 3.50% | 3.56% |
182 days / 6 month Certificate | 4.00% | 4.07% |
365 days / 12 month Certificate | 4.50% | 4.59% |
548 days / 18 month Certificate | 4.35% | 4.44% |
730 days / 24 month Certificate | 3.95% | 4.02% |
1095 days / 36 month Certificate | 3.85% | 3.92% |
1460 days / 48 month Certificate | 3.75% | 3.82% |
1825 days / 60 month Certificate | 3.65% | 3.71% |
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | as low as 7.9% up to 14.9% The APR is determined at account opening and is based on the borrower's credit score. |
Penalty APR | None |
Paying Interest | Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date |
Minimum Interest Charge | None |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
Annual Fee | None |
Transaction Fees | |
Balance Transfer | None |
Cash Advance | None |
International Transaction | None |
Penalty Fees | |
Late Payment | $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. |
Over-the-Credit-Limit | None |
Returned Payment | Up to $28.00 |
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | as low as 8.9% up to 15.9% The APR is determined at account opening and is based on the borrower's credit score. |
Penalty APR | None |
Paying Interest | Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date |
Minimum Interest Charge | None |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
Annual Fee | None |
Transaction Fees | |
Balance Transfer | None |
Cash Advance | None |
International Transaction | None |
Penalty Fees | |
Late Payment | $20 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a payment. |
Over-the-Credit-Limit | None |
Returned Payment | Up to $28.00 |
When you received your loan you agreed to maintain adequate insurance coverage. If your insurance information has changed or you receive a letter stating we do not have proper documentation, you should provide us with a copy of your insurance declarations page (not your insurance card). The declarations page must show the following information:
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To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens or signs on an account.
When you open an account, we will ask you for your name, physical address, date of birth and other information that will allow us to identify you.
Please refer to the following guidelines for providing your account number:
In compliance with The Secure and Fair Enforcement for Mortgage Licensing Act, also known as the SAFE Act, we are providing a list of Eglin FCU's registered mortgage loan originators and their Nationwide Mortgage Licensing System (NMLS) number. The SAFE Act was passed to ensure the integrity of the Mortgage Lending system by establishing a set of standards that specific mortgage professionals must meet in order to work in the mortgage industry.
Eglin FCU Mortgage Professional | NMLS ID |
Aimee N Wilson | 2536346 |
Ann Creager | 1561554 |
Ashley Hall | 1011145 |
Brian Mark Franks | 1296056 |
Carole Stanley | 1482257 |
Carrie Ann Calcutt | 2064000 |
Christina Walker | 1714720 |
Christy Milian | 490970 |
Cynthia Bower | 2064007 |
Elisabeth Diana Good | 2664398 |
Jennifer Leigh Wyatt | 2329051 |
John Pellerin | 1011113 |
John Francis Stackpoole | 2398303 |
Judith Anne Turner | 2311448 |
Kayla Michelle Smith | 2177769 |
Lilly B. Edra | 2041564 |
Lisa Diane Freeland | 2367009 |
Mary Ann Geoghagan | 2329070 |
Michelle (Beth) Bethanne Meverden | 2460346 |
Michele (Shellie) Marie Fite | 798447 |
Mindy Danielle Dumas | 2496680 |
NormaJean Enlow | 1212774 |
Rebecca Jean Snow | 2484799 |
Ruby Tincher | 1212771 |
Sheeny Marquez Satulan | 2237420 |
Susan Castillo Dombrigues | 490967 |
Tatyana Galenkova | 2063947 |
Teally Goodson Gorey | 2421096 |
Tiffany Michelle Cadogan | 1867034 |
Yolanda Harrison | 805809 |
Zena Payne | 490969 |
Eglin FCU | 440642 |
eStatements provide online access to your account statements instead of by mail. Besides being an excellent way to help our environment, going paperless is also a fast, convenient and safe way to view your monthly statement. This service is free to all Eglin FCU members and can be cancelled at any time. To receive eStatements, Online Banking is required.
Set up eStatements today by logging in and selecting 'eStatements' under the 'eServices' tab in the main navigation.
We recommend that members with Online Banking log in to make these changes in the "Contact Information" section under the "My Profile" tab.
Please note: For the safety and security of our members, some services may be limited for up to 30 days after an address change. Print the Change of Contact Information form to submit it in person at an Eglin FCU branch.
Complete the skip-a-pay form to agree to the terms* and request your preference to skip your next loan payment on your Eglin FCU loan product. Please note: It may take up to 2 business days to process your request. If submitted via DocuSign, you will receive a confirmation email when your request has been processed. If you have questions or need additional assistance, please call 850.862.0111 or 800.367.6159.
*Subject to approval. Your account must be in good standing. This offer is subject to a $20 processing fee for each loan payment skipped. Only one skip allowed per loan per calendar year. This offer excludes Mastercard®, S.A.F.E. Loans, Share Certificate Loans, Mortgage Loans, and Mobile Home Loans. Loan must be at least one year old. Skipping a payment will extend the repayment period on the loan and interest continues to accrue during the skip period. Except as expressly amended by this agreement the terms of the original loan agreement remain in full force and effect. Annual Percentage Rate and scheduled payment do not change. GAP protection coverage will be reduced if you skip or miss more than 2 monthly payments over the life of the loan.
Holiday | Date |
Memorial Day | Mon, May 27, 2024 |
Juneteenth | Wed, Jun. 19, 2024 |
Independence Day | Thurs, July 4, 2024 |
Labor Day | Mon, Sept. 2, 2024 |
Columbus Day | Mon, Oct. 14, 2024 |
Veterans Day (observed) | Mon, Nov. 11, 2024 |
Thanksgiving Day | Thurs, Nov. 28, 2024 |
Christmas Day | Wed, Dec. 25, 2024 |
New Year's Day | Wed, Jan. 1, 2025 |
Name | Title |
Cathie Staton | President/Chief Executive Officer |
Gina Denny | SVP/Chief Human Resources Officer |
Tim Farnsworth | SVP/Chief Technology Officer |
C. Grant | SVP/Chief Financial Officer |
Rocky Magee | SVP/Chief Information Officer |
Kim Nauta | SVP/Chief Operations Officer |
Dawn Oravetz | SVP/Chief Payments Officer |
Jon Heidt | SVP, Risk Management |
Neko Stubblefield | SVP, Membership/Community Development |
Joe Baldwin | VP, Investments |
Laura Coale | VP, Marketing/PR |
Ashley Hall | VP, Mortgage Services |
Bron Ringstad | VP, Branch Operations |
Name | Title |
Daniel McInnis | Chair |
J. Russ Corbitt | Vice Chair |
James Pitts | Secretary/Treasurer |
Richard Adams | Director |
Robert Harlan | Director |
Barbara Patty | Director |
William S. Rone | Director |