Emerald Coast Federal Credit Union


As a member of Emerald Coast Federal Credit Union, you have access to a variety of affordable financial products.  These include share/savings, term share certificates, free checking, and much more.  To learn more about our financial products simply scroll down the page. 

Regular Share (Savings) Accounts

Our regular share (savings) account is the basic savings account you must open to become a member of the credit union.  The minimum balance required is $5.00.  This amount must remain in your share account at all times to maintain your membership.  There is also a one-time fee of $5.00 when establishing a new account.

Dividends are calculated monthly and paid to share accounts on the last day of each month.  To earn dividends, a share account must maintain an average daily balance greater than $100.00.  Our Board of Directors determines the dividend rate paid on shares each month.

All share accounts are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is the federal deposit insurance of the National Credit Union Administration (NCUA), an independent agency of the United States government.  Each account is insured up to $250,000.  However, shares maintained in different types of accounts or combinations of accounts can increase the total coverage.  For more information, please contact us .

Share Draft (Checking) Accounts

Our share draft account is provided to members at no charge.  The only cost to you is the amount of your check order.  There is no minimum balance required and overdraft protection transfers from shares are available.  Dividends are currently not payable on share draft accounts.

We offer a wide variety of affordable check designs suitable for each member's individual tastes.  Counter checks and starter kits are also available for a small fee.  Debit cards are also available at no additional cost. 

Christmas Club Accounts/Special Accounts

These accounts may be used for a variety of purposes.  Such as saving for Christmas, a college fund, a child's wedding, or any other special occasion.  These accounts earn the same dividend rate as regular share accounts.  There is no minimum balance required to open a Christmas Club/Special Account and there are no withdrawal limitations.

Share Certificates

We offer a variety of term share certificates at competitive rates.  A share certificate is a deposit made for an established period of time (term) and at a specified rate for that term.  Dividends are payable monthly and may be added to the share certificate balance, transferred to a share or share draft account, or mailed by check to your home address.

The minimum deposit required to open a share certificate is $1,000.00.  Terms available for deposit are 91 days, 6 months, 12 months, 18 months, 24 months, 30 months, and 36 months.  Penalties may apply for early withdrawals.

Investing in share certificates is a safe, simple way to earn a greater return on your money.  We also offer special rates to retirees (age 55 and over).  To view our current offerings, click rates .

Individual Retirement Accounts (IRAs)

We can help you save for your retirement!  This can be achieved by establishing an IRA account with us.  We offer both Traditional IRAs and Roth IRAs.  If you are interested in saving for a child or grandchild's education, we also offer Coverdell Education Savings Accounts.  The minimum deposit required is $250.00.  Terms available are: 91 days, 6 months, 12 months, 18 months, 24 months, 30 months, and 36 months.

If you are interested in setting up this type of account, please contact our Share Certificates Department for more information.  And as always, please consult your tax advisor for help in determining which type of IRA will best suit your individual needs. 


We offer a variety of loans to meet your specific needs at rates that are better than most of our competitors.  Our line of loan products can enable you to finance a home, auto, boat, and more.  And our well-trained, professional loan officers will guide you through the loan process as quickly and efficiently as possible.

Our fixed-rate consumer loans* include new or used automobiles, new or used boats (including motor and trailer), and recreational vehicles (RVs).  We also finance for motorcycles, jet skis, waverunners, motor homes, tractors, cranes, three wheelers, four wheelers, utility trailers, livestock trailers, and lawn mowers.*

We also offer consolidation loans, signature loans up to $20,000 (with approved credit), Christmas loans, and lines of credit.  You may also pledge funds in your share accounts or share certificate accounts as collateral for a loan.*

Our Mortgage Loan Department carries a full range of mortgage loans* .  This includes first and second mortgages,  home purchases, refinances, second homes, lot loans, and home equity lines of credit (HELOC).  For more information click here.

For any questions concerning the loans we offer or for more information, please contact a loan officer at any of our three locations. 

*All loans are subject to credit approval.  Some restrictions may apply and programs are subject to change.

VISA® Credit Cards

VISA Classic Consumer Credit Card Agreement

VISA Classic Credit Card Account Opening Disclosure

We currently offer a VISA® credit card account to all qualified members.  Our VISA® credit card has no annual fee and a low interest rate.  Payments can be made directly to VISA® or payments can be made at the credit union.  We also offer VISA cash advances.  You can even access your VISA account by going to www.eZCardInfo.com(Web-linking Disclaimer:  Emerald Coast Federal Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third party site.  Our privacy policy does not apply to linked websites.  Viewers should consult the privacy disclosures on that site for further information.)

Deposit Insurance

All of our share accounts are insured with the National Credit Union Administration (NCUA) to at least $250,000.  Brochures detailing this insurance coverage are available.  To obtain one please contact us 

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