Eglin Federal Credit Union is a member-owned financial institution serving Okaloosa, Santa Rosa and Walton counties since 1954.
EFCU has nine branches and more than 40 local ATMs. Two on-base branches serve Eglin AFB, Hurlburt Field, Duke Field and 7th Special Forces Group. Seven community branches assist members in Crestview, Destin, Fort Walton Beach, Mary Esther, Navarre, Niceville-Bluewater Bay 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 only a 1.1% 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.
I want to thank the staff at EFCU Crestview (north branch) for their exceptional customer service. This location, as with others, always provides a friendly, cheerful environment. EFCU employees, such as Angela and Kim in particular, are the zenith of professionalism and courtesy. I've visited other local CUs such as Navy Fed and PenAir and find EFCU peerless in the quality of the services they provide. I have been an EFCU member since arriving at Eglin in the early 1990s. Generally my transactions are routine but EFCU occasionally transacts large amounts on my behalf. Again, thank you for the fine service. Very much appreciated.
TK
Taris Kennedy
Oct 17, 2025
5.0
The loan officer, Kim was so helpful & an absolute pleasure to work with.
RC
Robert Clark
Oct 10, 2025
5.0
Always helpful
MB
Michael Brooks
Sep 23, 2025
1.0
I used the ATM outside the branch by Temple Fitness in North Crestview. The machine shorted me money. I even stood in front of the ATM camera holding up the cash to show exactly what happened, with the date and time clearly visible. Since it was after hours, I called the next morning, but the call was no help at all.
When I went to the branch, I assumed the location with the ATM (and its cameras, along with the front door cameras) would be able to help. Instead, I was treated as if my proof meant nothing. The employees looked at me like I was in the wrong, even though the machine failed to give me my money. The irony is, if the machine gave me extra money, the bank would call me a thief—but when it takes money from me, I’m just out of luck.
All I wanted was the money that was rightfully mine. Instead, I was dismissed, made to feel like I didn’t matter, and told the cameras and my evidence didn’t prove anything. That’s not member service—it’s hypocrisy. Because of this, I’ll be moving my assets to another bank where my trust and business actually matter.
Frequently Asked Questions About Eglin Federal Credit Union
What are the regular operating hours of Eglin Federal Credit Union North Crestview branch?
The branch is open Monday through Friday from 9 a.m. to 5 p.m., and it is closed on weekends.
Does Eglin Federal Credit Union offer drive-up services and what are the hours?
Yes, there are drive-up hours from 9 a.m. to 5 p.m. Monday through Thursday, and 9 a.m. to 6 p.m. on Friday.
Who is eligible for membership at Eglin Federal Credit Union?
Membership is open to active duty and retired service members and their families; employees of over 700 local businesses and organizations; and anyone who lives, works, or worships in north Okaloosa County.
What financial products and benefits does Eglin Federal Credit Union provide?
They offer free Premium Checking, low-rate loans for vehicles and street-legal golf carts, home equity loans, conventional mortgages in seven Florida counties, and a Mastercard with no annual fee and competitive rates.
How many branches and ATMs does Eglin Federal Credit Union have?
EFCU has nine branches and over 40 local ATMs, including two on-base branches serving military installations and seven community branches throughout the area.
Can Eglin Federal Credit Union members access their accounts at other credit unions and ATMs?
Yes, members can use CO-OP Shared Branch services at 5,000 credit unions nationwide and access over 80,000 surcharge-free ATMs worldwide via the CO-OP and Allpoint networks.
Where is the North Crestview branch of Eglin Federal Credit Union located?
It is located at 1127 Industrial Dr, Crestview, FL 32539, United States.
Are there places to grab a meal nearby Eglin Federal Credit Union North Crestview branch?
Yes, nearby dining options include Waffle House for breakfast and brunch, Little Caesars Pizza for quick meals, and Subway for sandwiches, all within close proximity to the branch.
Where can customers go for fitness and wellness services near the credit union?
Temple Fitness of NWF offers gym and sports facilities, Alpha Care Sports Chiropractic provides chiropractic and functional medicine, and Flip and Fun Gymnastics and US Gold Gymnastics offer gymnastics instruction nearby.
What nearby services can help with home improvement and automotive needs around the branch?
Nearby services include Kitchen Tune-Up inside Sears Hometown Store for remodeling, Sears Heating and Air Conditioning for HVAC services, Precision Auto Body and Take 5 Oil Change for automotive care, and Budget Truck Rental for vehicle rentals.