EFCU provides savings and loan products to help achieve your goals throughout life. When you become a shareholder-member at EFCU, you instantly become eligible for all the benefits the Credit Union has to offer. Unlike banks, our profits are returned to members in the form of lower fees, higher dividends and lower loan rates. At EFCU you'll find excellent service as well as the financial benefits Credit Unions offer. We are dedicated to serving our members through prompt and friendly service.