EFCU Financial Federal Credit Union

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Rewards Checking Cash Back
Want to earn cash back on your everyday checking account for doing what you're already doing? Get the best rewards with Rewards Checking! For new members, a Share Savings with a $5 deposit is required to open this account.
  • 3.00% cash back on your debit card purchases up $250
  • Up to $7.50 cash back
  • Unlimited ATM fee refunds nationwide, up to $4.99 per transaction - maximum $10 refunded monthly
  • No monthly service fee
Rewards Checking High Yield
Want to earn a higher rate of interest on your everyday checking account for doing what you're already doing? Get the best rewards with Rewards Checking! For new members, a Share Savings with a $5 deposit is required to open this account.
  • 5.12% APY on balances up to $10,000
  • A range of 5.12% - 1.80% APY on the portion of your balance above $10,000 (APY* will be calculated on an Interest Rate of 0.50% based on your balance)
  • Unlimited ATM fee refunds nationwide, up to $4.99 per transaction - maximum $10 refunded monthly
  • No monthly service fee
Level Up Checking
Kick off your financial journey the right way with a Level Up Checking Account! This account offers easy access to your funds and the opportunity to earn free cash for your grades! Customized for members age 13 - 22, this account will lay the foundation for a strong financial future. For new members, a Share Savings with a $5 deposit is required to open this account.
  • A joint owner (parent/guardian) is required age 13 - 17
  • Age 18 - 22 instantly qualified
  • No monthly service fees
  • Get paid for good grades
  • Level Up Deposit made after 30 days
  • Click here for more details
Certificate of Deposit (CD)
Watch your savings grow, with a market leading rate! Invest in a Share Certificate available in terms ranging from 6 months to 60 months. For new members, a Share Savings with a $5 deposit is required to open this account.
View Current Rates
  • Low minimum deposit of only $500; no maximum
  • Open a Jumbo Certificate by depositing $100,000+ which may pay a higher rate than a Regular Certificate
  • Choose a term of 6, 12, 18, 24, 30, 36, 48, or 60 months
  • Dividends compounded every month and at maturity
  • Funds are insured up to $250,000 by NCUA
6 Month Certificate
Platinum Money Market Savings
Our Platinum Money Market Savings Account is an excellent way to earn high yields and have easy, convenient access to your funds without any risk, brokerage fees, or penalties. For new members, a Share Savings with a $5 deposit is required to open this account.
  • Earn premium interest rates on balances $2,500 and above with our 3-tier structure
  • Make up to three free withdrawals per month
  • No monthly service charge, regardless of your balance
Share Savings
A Share Account is a savings account that will be the first account you open when you become a member of EFCU Financial. It not only meets your basic savings needs, but the minimum $5 deposit also represents your ownership or “share” of the credit union.
  • Pays dividends
  • Access anywhere with mobile and online banking
Special Savings
Need an additional savings account? We got you covered. Once a member at EFCU you can add as many additional savings accounts as you would like. These can be used for saving for vacation, Christmas spending, emergency purposes, etc. For new members, a Share Savings with a $5 deposit is required to open this account
  • Pays dividends
  • Multiple Share Accounts may be opened for a variety of savings needs
  • 24-hour access to account information online and by phone or at any branch