Eglin Federal Credit Union is a member-owned financial institution serving Okaloosa, Santa Rosa and Walton counties since 1954. EFCU has ten branches and more than 50 local ATMs. Two on-base branches serve Eglin AFB, Hurlburt Field, Duke Field and 7th Special Forces Group. Eight community branches assist members in Crestview (2), Destin, Fort Walton Beach, Mary Esther, Navarre, Niceville-Bluewater Bay, Pace and the surrounding areas. Membership is open to active duty and retired service members and their families; employees of more than 700 local businesses and organizations; and anyone who lives, works or worships in north Okaloosa county. Benefits of EFCU membership include free Premium Checking and low-rate loans for cars, boats, motorcycles and street-legal golf carts. The Credit Union offers home equity loans and conventional mortgages with financing available in seven Florida counties. EFCU’s Mastercard, with rates as low as 7.9% APR, has no annual fee, no balance transfer fee, no cash advance fee and no international transaction fee. Eglin Federal Credit Union is a CO-OP Shared Branch, which means members can perform transactions at 5,000 other credit unions in the U.S. They can also access their account at 80,000+ surcharge-free ATMs worldwide on the CO-OP and Allpoint ATM networks. Eglin Federal Credit Union is an Equal Housing Lender. Insured by NCUA.