Member Rewards

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Member Rewards Program

When you join EFCU Financial, you become more than an accountholder, you become one of our member-owners … and we value each member regardless of their age, financial state, or length of membership. 

With our Member Rewards program, we reward you simply for being a member.  Member Rewards is designed to help you earn more on deposits, save more on loans, and enjoy discounts on the everyday products and services you use at EFCU and throughout your life. 

Member Benefits:

Basic Membership Benefits:

  • Free membership
  • Free online account access
  • Free electronic or paper statements
  • 50,000+ Surcharge free ATMs Nationwide (click here) 
  • Refunded fees at all ATMs for qualifying Rewards Checking members (click here for more info)

Savings Accounts with great competitive rates:

  • Rewards Checking with premium rate and no monthly fees
  • Platinum Money Market Savings account with 5-tiers
  • Free checks for Classic checking members (1 box per year)
  • Extremely competitive Certificate rates
  • 30-Month Bump-A-Rate Certificate 
  • JUMBO Certificates 


  • HELOC program with low closing costs
  • Platinum MasterCard with NO monthly or cash advance fees, plus Rewards points
  • Share-Secured Platinum MasterCard
  • Great auto rates
  • Variety of Mortgage and Business loans available




Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.  Through our partnership with TruStage, we offer Health, Auto, Home, Life and Accidental Death & Dismemberment Insurance options.  Click here for more info.