Notices


Holiday Schedule 2018

Holiday Day of the Week Date

New Year's Day

Monday January 1, 2018

Martin Luther King, Jr. Day

Monday January 15, 2018
Memorial Day Monday May 28, 2018
Independence Day Wednesday July 4, 2018
Labor Day Monday September 3, 2018
Veterans' Day Monday November 12, 2018
Thanksgiving Day Thursday November 22, 2018
Day after Thanksgiving Friday November 23, 2018
Christmas Eve Monday December 24, 2018
Christmas Day Tuesday December 25, 2018
New Year's Eve close @ 1:00PM EST Monday December 31, 2018

Hurricane Season Information  

All members need to be prepared for Hurricane Season. If a watch or warning is issued for our area please make plans to withdraw extra cash in the event of an evacuation or in preparation for a disruption in local services. The credit union's policy is as follows:

Tropical Storm Watch or Hurricane Watch

The credit union will extend hours as long as practical to better serve our members. Make sure to withdraw extra cash. If changes to our hours are necessary we will post those changes on signs in our lobbies, on our doors and on our website. The credit union will also make necessary preparations to secure all branches in case a warning is issued.

Tropical Storm Warning or Hurricane Warning

If the storm is expected to be severe once the warning is issued, the credit union will close all offices as soon as possible. We will reopen as quickly as possible to serve you, but our primary concern will be the safety of our employees and their families. All of our ATM machines will be available to those needing to make a withdrawal after the credit union closes. 

Make Sure You Have Enough Cash!

Again, please do not wait to get extra cash. If local power is disrupted by the storm then our ATMs may not function. We also recommend that you do not depend on your debit card during a disaster situation. Network problems, power disruptions and daily limits will make debit cards unreliable.

For Information during a Tropical Storm Warning or Hurricane Warning:

  • For members with internet access, information regarding the credit union's operating status can be viewed on our website at www.emeraldcoastfcu.com or the League of Southeastern Credit Unions’ website at www.lscu.coop.
  • For members without internet access, contact the League of Southeastern Credit Unions' Disaster Hotline at 866.231.0545. This hotline will be kept updated with the latest information on the credit union's status.
  • If necessary, we will also post information using local television and radio stations. Signs will also be posted on our doors, if possible.

If the credit union is unable to reopen within 48 hours after the storm has passed, we will post information detailing where members may go to access their accounts. The credit union has established agreements with other credit unions across Northwest Florida to provide workspace and computers thus enabling employees to link with our data processing system and perform transactions as needed.

For questions regarding our Hurricane Season procedures, please contact the Credit Union at (850) 227-1156. 


Stay Secure...Help us protect your financial information

  1. Check your statements frequently to ensure they match your recollection and your other records. If at any time you notice any discrepancies between your statements and your other records, please notify us immediately.
  2. Never give out account numbers or other personal financial information, unless you can validate the authenticity of the requestor.
  3. Always shred personal and financial information before discarding it.
  4. Every year, review your credit report. You're entitled to a free credit report annually. Simply contact one of the three main credit-reporting bureaus: Equifax® at 800-525-6285 or equifax.com. Experian® at 888-397-3742 or experian.com. TransUnion® at 800-680-7289 or transunion.com.