From grocery runs and morning commutes to weekend projects, your debit card is likely often used. Good thing that Cash Back Rewards Checking is built for this high-energy chapter of life.
- Free checking that pays you back
- Get 3.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on as much as $250 in purchases monthly
- Earn as much as $90 cash back per year, $7.50 per month*
- Refunds on ATM withdrawal fees nationwide, up to $4.99 per transaction (up to $10 monthly)*
- No monthly service fees
- No minimum balance required
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Visa® debit card
- Add your EFCU Financial debit card to your digital wallet
- Additional services available including:
- Overdraft Protection: Transfer money from a pre-designated account to cover insufficient funds.*
- We’ll cover transactions when there’s insufficient funds.*
- Direct Deposit: Get paid up to 2 days earlier!
- And more!
Qualifications to Earn Cash Back
It’s simple to qualify for your rewards! Enrollments must be in place and all of the following transactions and activities must post and settle to your Cash Back Rewards account during each Monthly Qualification Cycle:
- Make 12 debit card transactions that post and settle during the cycle
- Have at least one ACH automatic transaction, like an auto draft or direct deposit, post and settle during the cycle
- Enroll in eStatements
And if you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your rewards the very next cycle that you qualify.
*APY=Annual Percentage Yield. APYs accurate as of 5/01/2023. Rates may change after account is opened. The following must be met each qualification cycle: (1) Have at least 12 debit card purchases post and settle, (2) Have at least 1 automatic payment (ACH) or direct deposit post and settle, and (3) Be enrolled and receive e-statement notice. 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 with a maximum total refund of $10.00 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 an 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 to the close of the current statement cycle.
**Our APY calculations for Rewards Checking are based on an assumed total account balance of $10,000 plus $25,000.
*special services fees, such as stop payment, NSF, etc. do not apply.
†Refer to EFCU Financial’s Agreement and Disclosures for a list of eligibility requirements.
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.