Handle your finances safely, simply, and entirely on your schedule
Online Banking
- Securely monitor, track, and manage all your EFCU Financial accounts on your schedule
- Transfer funds between EFCU Financial accounts and external accounts
- Go paperless with eStatements
- Make EFCU Financial loan payments directly from your accounts
- Take care of most banking tasks from your home or office
- Update your personal information at any time, including your mailing address
Bill Pay
- Pay one-time expenses or schedule future payments in advance
- Put the checkbook away and pay your bills electronically
Download the EFCU Financial app for your smartphone and bank wherever you go!
Mobile Banking
- Sign in using your fingerprint or Face ID
- Use Instant Balance to check your balance without signing in
- Deposit checks from your phone with Mobile Deposit
- Check account balances and history
- Transfer money between EFCU Financial accounts
- Pay bills through Bill Pay
- Locate branches via GPS
Download the EFCU Financial smartphone app, available in the App Store and Google Play
Mobile Deposit
Save time and a trip to the branch by remotely depositing checks from your iPhone or Android device.*
How to Make a Mobile Deposit
- Log into your EFCU Financial Mobile Banking app*
- Select "Deposit" and enter check information
- Snap a photo of the front and back of the check
- Confirm your deposit
Note: Endorse checks properly with a signature, account number, and writing 'For Mobile Deposit Only' on the check.
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Other Mobile Deposit Tips
- Make sure all 4 corners of the check show in your photo
- Keep the background as plain and simple as possible
- Checks made payable to cash will not be accepted
- Checks for mobile deposit cannot exceed $3,000 per check
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Deposit Schedule
| Check Submitted | Funds Available |
|---|---|
|
Received before 12PM Monday - Friday |
After 3PM the same business day |
|
Received after 12PM Monday - Thursday |
After 3PM the following business day |
| Received After 12PM Friday - 12PM Monday | After 3PM Monday** |
Note: You can verify that your check has been reviewed and accepted for deposit by clicking "Deposit Check History" under the Deposits menu in the Mobile App.
*Mobile Deposit is functional on iPhone and Android apps only. Your wireless carrier may assess fees for data or text messaging services. Please consult your wireless plan or provider for details. Available for some accounts only. Deposit limits may apply. Full disclosures here.
**If Monday is a holiday, the funds will be available the next business day. Click here for EFCU Financial's holiday schedule.
Receive your account statements earlier and more securely!
- Free to all members with mobile or online banking
- Receive monthly email when your statement is ready for viewing
- View, print, or download your statements on your time
How to Sign Up
- Log in to Online Banking
- Click on the account you would like to enroll
- Select “Online Statements” and follow the prompts to complete your enrollment
If you don't have your login information use the form here: eStatement enrollment form
For more information about eStatements click here.
Card Manager lets you monitor your EFCU Financial debit and credit cards directly within the EFCU Financial app. It allows you to access your bank account and card information.
- Use cards easily
- Manage cards on-the-go and set travel alerts
- Track and understand your spending habits
- Engage in real time
Access Card Manager in the EFCU Financial app by logging into your account and clicking on the ‘Cards’ icon at the bottom.
Check your credit score at any time directly through our mobile app or online banking!
- Tools to Improve Your Score
- Get personalized tips and actionable insights designed to help you build, track, and improve your credit health over time.
- Special Offers
- Receive special offers and tailored financial opportunities curated to help you save money based on your credit profile.
- Up-to-Date Financial Resources
- Partner with EFCU Financial to access the latest digital tools dedicated to helping you achieve long-term financial success.
FAQs
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Who can access Credit Sense?
Any EFCU Financial member can access Credit Sense within the EFCU Financial Mobile App or in Online Banking.
Is there a fee?
Nope! Credit Sense is completely free for members who are enrolled in online banking. Log in as often as you’d like to check your credit score.
How often is my credit score updated?
As long as you are a regular mobile app or online banking user, your credit score will be automatically updated monthly and displayed when you log in. You can click “refresh score” as frequently as every day, if you wish.
How does the Credit Sense credit score differ from other credit scoring offerings?
Credit Sense pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.
Why do credit scores differ?
There are three major credit reporting bureaus — Equifax, Experian and TransUnion — and two scoring models — FICO and VantageScore — that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weight credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: A+ 730–850, A 680–729, B 640–679, C 600–639, D 550–599, E 549 and below.
Will EFCU Financial use the Credit Sense credit score to make loan decisions?
No, EFCU Financial uses its own lending criteria for making loan decisions.
Will accessing Credit Sense ping my credit and potentially lower my score?
Nope! Checking Credit Sense is a “soft inquiry”, which does not affect your credit score. Lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.
Does Credit Sense offer credit report monitoring as well?
It sure does. Credit Sense will monitor and send email alerts when there’s been a change to your credit profile.
How does Credit Sense keep my financial information secure?
Credit Sense uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.
There is a section in Credit Sense that features EFCU Financial product offers. Why am I seeing this?
You may receive EFCU Financial offers on loans or services that may be of interest to you and could provide you opportunities to save money.
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Autos | Rate (APR) | Max Term |
| New & Used (2019 - current year) | 5.69 - 16.95% | 01 - 36 mos. |
| New & Used (2019 & current year) | 5.94% - 17.20% | 37 - 63 mos. |
| New & Used (2019 & current year)* | 6.19% - 17.45% | 64 - 75 mos. |
| New & Used (2019 & current year)* | 6.34% - 9.14% | 76 - 79 mos. |
| New & Used (under 30,000 miles) | 6.34% - 9.14% | 80 - 84 mos. |
| New Units (min ln amt - $50,000) | 7.24% - 7.64% | 85 - 96 mos. |
*2018 max term is 66 mos. *Minimum loan of $5,000 for qualified applicants.
A 63-month $25,000 fixed rate secured new auto loan at 5.94% has an approximate monthly payment of $462.92.
Certificates
|
Share Certificates |
Jumbo Certificates (Min Bal $100,000 & above) |
IRA Certificates (Min Bal $500 & above) |
Jumbo IRA Certificates (Min Bal $100,000 & above) |
|
| Term | APY | APY | APY | APY |
| 6 mos. | 4.00% | 4.10% | 4.10% | 4.20% |
| 12 mos. | 4.00% | 4.10% | 4.10% | 4.20% |
| 18 mos. | 3.65% | 3.75% | 3.75% | 3.85% |
| 24 mos. | 3.65% | 3.75% | 3.75% | 3.85% |
| 30 mos. + 1 Time Bump*** | 3.65% | 3.75% | 3.75% | 3.85% |
| 36 mos. | 3.70% | 3.80% | 3.80% | 3.90% |
| 48 mos. | 3.70% | 3.80% | 3.80% | 3.90% |
| 60 mos. | 3.75% | 3.85% | 3.85% | 3.95% |
*APY=Annual Percentage Yield. APYs accurate as of 5/01/2026. Rates may change after account is opened.
**The following must be met each qualification cycle: ( 1 ) Have at least 1 2 d e b it c a r d p u r chases p o s t a n d settle, ( 2 ) Have at least 1 automatic payment (ACH) or deposit post and settle, and (3) Be enrolled and receive e-statement notice. APY calculations are based on an assumed total account balance of $10,000 plus $25,000. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 5.12%; and (2) balances over $10,000 earn 0.50% interest rate on portion of balance over $10,000, resulting in a range of 5.12% - 1.80% APY depending on the balance (3) domestic ATM fees up to $4.99 per item will be reimbursed on the last day of your statement cycle. ATM receipt must be presented for $4.99 maximum ATM fee reimbursement if surcharge is $5.00 or higher. Fees may reduce earnings. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle on account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior the close of the current statement c ycle.
Certificate Rates
Certificate rates are subject to change at any time. All other rates are subject to change monthly. Dividends are paid on all open accounts. APY is based on withdrawn dividends, if dividends remain on deposit until maturity APY may be higher. A withdrawal from the Certificate will reduce earnings. Dividends are compounded monthly and credited monthly on all Certificates and IRA Certificate accounts. A penalty may be imposed for withdrawal. Please read the Truth In Savings disclosures for additional information.
***Bump up option on Share Certificates with maturities of 30 months. The “bump” provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the bump
Checking Accounts
| Minimum Balance | APY | |
|---|---|---|
| Classic Checking | None | None |
| Rewards Checking** High Yield |
$0 - $10,000.00 $10,000.01+ Rate if qualifications aren't met |
5.12% 5.12%-1.80% 0.05% |
|
Rewards Checking** |
None | 0.0% |
|
Level Up Youth Checking |
None | 0.0% |
|
HSA Checking |
$0 - $4,999.99 $5,000 - $9,999.99 $10,000+ |
0.10% 0.15% 0.20% |
|
Business Interest Checking |
$0 - $4,999.99 $5,000 - $24,999.99 $25,000 - $99,999.99 $100,000+ |
0.00% |
Consumer Loan
| Loan Type | Rate (APR) | Max Term |
| Shared (savings) secured | 2.50% 3.60% |
1-60 mos. 61-120 mos. |
| Personal | 11.00% - 18.00% | 1-72 mos. |
| MasterCard Credit Card (Fixed Rate Card) |
11.00% - 18.00%† | Revolving |
A 48 month $10,000 fixed rate personal loan at 11.00% has an approximate monthly payment of $258.46.
Real Estate Loans
| Loan Type |
| Residential Loans |
| Fixed-Rate Loans: Less than 15 years 15 year mortgage 30 year mortgage JUMBO* |
| Adjustable Rate Mortgages (ARMs) 5/5 ARM "Welcome Home Loan" |
| Home Equity Line of Credit |
| FHA (Federal Housing Administration) |
| VA (Veterans Affairs) |
| USDA (US Department of Agriculture) / Rural Development |
| Construction Loans (12-month Interim Financing) |
*Loan amounts greater than the Conforming Loan Limit.
Recreational Vehicles & Power Sport Machines
| Year Model | Rate (APR) | Max Term |
| 2025 - Current Year | 8.25% - 11.50% | 01 - 120 mos. |
| 2022 - 2024 | 8.75% - 12.50% | 01 - 120 mos. |
| 2020 - 2021 | 10.75% - 13.50% | 01 - 96 mos. |
| 2019 | 11.75% - 14.00% | 01 - 72 mos. |
A 72 month $10,000 fixed rate secured powersport or recreational vehicle loan at 9.25% has an approximate monthly payment of $176.56.
Share Accounts
| Minimum Balance | APY | |
|---|---|---|
| Shares | $5.00 | 0.10% |
| IRA Flex | None | 3.04% |
| Platinum Money Market Savings |
$0 - $2,499.99 |
0.00% 1.00% 3.56% |
| Business Savings | $5.00 | 0.10% |
†Rates and Annual Percentage Yields (APY) are subject to change without notice and are effective as of 05/01/2026. Fees may reduce earnings on the account.