Every purchase you make with the EFCU Financial Platinum Mastercard® is working for you. Competitive rates, no annual fee, and a rewards program that puts real value back in your wallet.
- No annual fee
- No cash advance fee
- Low interest rates
- Earn Rewards Points redeemable for 1% cash back on every purchase
- Price Protection
- Convenient 24/7 account information through your EFCU Financial Online Banking login
- Fraud text alerts
- Protection Plus
Shop Confidently with Price Protection
Our credit card offers Price Protection, letting you shop confidently. If you find an item you purchased advertised at a lower price within 120 days, you may be eligible for a refund of the price difference, up to $250 per claim (four claims per year). Simply use your card for the purchase, locate the lower-priced advertisement, and submit a claim with your receipt and ad details. This benefit applies to items bought with your card, including gifts. For full details or to file a claim, contact 1-800-MasterCard.
Play It Safe with Protection Plus
Protection Plus* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements ease the enrollment process.
*Protection Plus is a debt protection product offered by EFCU Financial. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact an EFCU Financial loan officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.
Approval is based on creditworthiness.
Rates are subject to change.
Membership is required to apply.
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.