Learn how you are Eligible to Become an EFCU Member (2022)

1915 South of Crestview LLC dba Ashley Furniture HomeStore

1915 South of Fort Walton, LLC dba Ashley HomeStore

360 Blue Properties

3rd Planet Brewing Too

850 Service Cleaning, LLC

A & G Professional Plumbing Service, Inc.

A 2 Z Specialty Advertising, Inc.

A and D Printing and Mailing, LLC

A and P Nails Spa

A Bed 4 Me Foundation Inc.

a Diamond and Gold Exchange Inc.

A to Z Lock and Safe

A to Z Security and Sound

A-1 Electric of Destin, Inc.


Abec Resorts

ABG Caulking Contractors, Inc.

Accent Signs

Access Medical Group, P.A.

Ace Hardware of Destin


Acentria, Inc.

Across America Today LLC


Advanced Enterprises of NWF, Inc

Adventure Marina

Affordable Home Insurance

Air Force

Air Force Enlisted Village Inc.

Air Force Retired

AJ`s Restaurant & Marina

Alday-Howell Engineering Inc.

Alex`s Tire Center

All Pro Imports

Allied Medical Concepts, LLC

Allyson Salon and Spa Inc.

Alphatec Marine Electronics

Alpine Air

Alternative Living, Inc.

American Family Online

American Reality of Northwest Florida, Inc.

American Red Cross

AMVETS Post 29 - Association

AMVETS Post 78

AMVETS Post 78 - Association

Anchor Marine Construction, Inc.

Angel Williamson Imaging Center

Anglers Beachside Grill

Applied Research Associates, Inc.

Aqua Pool & Patio Co.

Arc of the Emerald Coast

Arcon Electric, Inc.

Arete` Associates



Army Retired

Artisan Plumbing Company

Ashley Furniture HomeStore

Ashley HomeStore

Asta La Vista

Atomic Frog Tattoo

Auer Marine, Inc.

Auto-Chlor, Services, LLC

Autumn House, ALF

Avionics Test & Analysis Corporation

B3H Corporation

Babb Investments II, LLC dba Red Eye Joe`s Car Wash

Babbitt`s Beachside Limo and Aloha Limousine

Back Home Bakery Cafe, LLC

BAE Systems

Barker Williams, PLLC

Baskin Robbins - Fort Walton Beach

Bass Pro Shops - Destin

Bay Club of Sandestin

Bayou Mechanical Inc

Baytown Adventure Zone

Bayview Private Wealth

Baywalk Real Estate, Inc.

BBG Design Build, L.L.C.

Beach Guide, LLC

Beach Weddings Etc.

Beachcomber, The


Bell Lawn and Landscaping

Bella Rocca Wellness Center

Benjarong Thai Cuisine

Bernier Cabinet Center

Best Western Beachfront - FWB

Best Western Navarre

Beth Israel Orthodox Synagogue of Destin

Betty J Pullum Family YMCA

Bevil Construction, Inc


BibleMovies com by John Newman

Big Kahuna`s Water & Adventure Park

Big Orange House Designs, LLC dba Create

Big Orange House Designs, LLC dba Jojo`s Coffee and Goodness

Bit-Wizards Custom Software Solutions, Inc.

Blind Shop, The

Bliss Salon

Blue Sand Mortgage

Bluewater Baptist Church

Bluewater Bay Dental, Destin Smiles, Santa Rosa Beach Dental dba Smileology

Bluewater Bay Resort LLC

Bluewater Medicine

Boathouse Oyster Bar

Boeing Company, The

Boggs Cooling and Heating LTD Co

Bombs Away, Inc.

Bonefish Grill 7015

Bookkeeping & Etc on Wheels, Inc

Boys and Girls Clubs of the Emerald Coast

Brad Benton Inc.

Bradshawventure, L.P. Dba Camping on the Gulf

Brain Injury Connection,Inc., The

Bridgeway Center

Brooks, Shorey & Associates

BRW Builders of Destin

Bryan Pest Control, Inc.


Buddies Inspection Services LLC

Buff City Soap

Buffalo`s Reef

Buh`s BBQ

Building Industry Association of Okaloosa-Walton Counties, Inc.

C. W. Roberts Contracting, Inc.

C.D Williamson Karate & Kickboxing, Inc.

C`est La Vie Salon LLC

Callahan`s Restaurant and Deli

Camille`s of Crystal Beach

Camping on the Gulf


Captain`s Choice Boats

CareerSource Okaloosa/Walton

Carr, Riggs & Ingram LLP

Casbah Coffee Company

Cavinder Elevator Company

Century 21 Island View Realty, Inc.


Charter Boat Mindy Lou II

Chartwell Hospitality

Chatauqua Offices of Psychotherapy & Evaluation

Chef B.K. LLC

Chesser & Barr, P.A.

Chick-fil-A, Destin

Chicken Salad Chick

Children in Crisis, Inc.

Chop Chop LLC

Christ & Associates, Architects and Planners, P.A.

Christian International - Santa Rosa Beach

Chrysler Dodge Jeep Ram FT. Walton Beach

Cinco Baptist Church

City of Destin

City of Fort Walton Beach

City of Mary Esther

City of Niceville

City of Valparaiso

Civil Service

Civil Service Retired

Clark, Partington, Hart, Larry, Bond and Stackhouse

Clarkson Eyecare of Navarre

Clean Eatz

Cleanwww Inc

Clemenza`s At Uptown

Clerk of the Circuit Court, Okaloosa County

Club Destin Resort

Coast Guard

(Video) HOW To JOIN Navy Federal Credit Union WITHOUT Being MILITARY…😮[YOU MUST WATCH THIS!!!]

Coast Guard Retired

Coastal Accounting of NW Florida, PA

Coastal Brick & Stone, LLC

Coastal Land Surveying, Inc.

Coastal Lumber & Building Supply, Inc.

Coastal Reflections LLC

Coastline Calvary Chapel Destin, Inc.

Colonial Pines Mobile Estates Homeowners Association

Combat Control Association, Inc.

ComF5 University

Comfort Keepers

Community Broadcasters, LLC

Connect With Flowers

Conservation Insulation & Windows, Inc.

Consmer Financial Services of FWB

Control Systems Research, Inc.

COPE (Chautaqua Offices of Psychotherapy and Evaluation)

Corner Stone Granite and Marble

Corpus Christi Catholic Church

Country Inn & Suites - Destin

Courtyard by Marriott-Sandestin

Cove Marine, Inc.

Cox Communications Gulf Coast LLC, Destin

Cox Communications Gulf Coast LLC, Fort Walton Beach

Crab Island Convenience at Harbor Walk Marina (AKA Legendary, Inc.)

Crane Electronics

CRC Data Technologies


Crestivew Area Chamber of Commerce, Incorporated

Crestview Landfill, LLC

Crestview Manor

Crestview Medical Clinic

Crew & Crew, P.A.

Crosspoint United Methodist Church

Crossroads Animal Clinic, Inc.

Crystal Shores Realty, Inc.

Cubic Defense Systems

Cuda Systems LLC

Cumulus Broadcasting Inc

D & D A/C, Heating & Electrical Services

D. Sheffield Construction, Inc.

DAG Architects

Daher Contracting, Inc.

Daliyah Nails and Spa

Danick Specialties and Support, Inc.

Daniel`s Custom Painting and Handyman Services

Data Software Services LLC.

David Costa Enterprises

Davis-Sikes Post #296-Destin, The American Legion Inc. Dept. of FL

DCS Corp.

Deana Kale Hair

Deb`s Coffee Drive-Thru, LLC

Decision Sciences Inc,


Design/Build Systems, Inc

Destin Center For Cosmetic and Family Dentistry

Destin Chick LLC

Destin Emergency Care Center

Destin Fire Control, Inc.

Destin Fisherman`s Cooperative Association, Inc.

Destin Log, The

Destin Marina

Destin Paint Center, Inc.

Destin Plastic Surgery

Destin Pools, Inc

Destin Surgery Clinic, P.A.

Destin United Methodist Church

Destin Water Users, Inc.

Destiny One dba The Cone Ice Cream

Dewey Destin Seafood

Dewey Destin`s Harborside, LLC

DHL Express

Dillard Gulf Coast LLC Dba Gulf Coast Shutter

Dillard Gulf Coast LLC Dba Overhead Door Company of Northwest FL

Direct TV - Navarre

Disabled Veterans

Dominos Pizza/AKA: Paradise Pizza

Dr. Marla Allen and Dr. Michael Grimes

DRG Review, Inc.

DRS Training & Control Systems, Inc.

Due South

Duncan`s Marine Air Conditioning Service

Dyer Equipment, LLC

Dynamic Cleaning Systems

Dynamic Software Solutions

Dynetics Inc.

Earthbound Trading Co.

ECCO Motors

Eddie Bauer Outlet R 242

Elder Services of Okaloosa County

elead CRM

Eleanor A. McCain, M.D., P.A.

Elev8 Hospitality LLC dba Tru by Hilton Niceville

Elite Jeeps Inc.

Emerald Coast Contracting Inc.

Emerald Coast (EC) Rider

Emerald Coast Accounting and Tax Services, LLC

Emerald Coast Advertising Federation

Emerald Coast Associates, Inc.

Emerald Coast Association of Realtors

Emerald Coast Business Center

Emerald Coast Cancer Center

Emerald Coast Cars of FWB Inc

Emerald Coast Chorus

Emerald Coast Collision Repair, Inc.

Emerald Coast CPA, PA

Emerald Coast Dentistry

Emerald Coast Design Build, Inc.

Emerald Coast Exchange Club

Emerald Coast Harley-Davidson

Emerald Coast Marine Services

Emerald Coast Military Affairs Council, Inc.

Emerald Coast Pain Physicians

Emerald Coast Pest Control

Emerald Coast Regional Mustang Club

Emerald Coast Sailing Association Inc.

Emerald Coast Science Center

Emerald Coast Wildlife Refuge

Emerald Coast Woman`s Club

Emerald Grand at Harbor Walk Village ( AKA Legendary, Inc.)

Emerald Inspirations, Inc. dba The Corner Cafe

Erin B. Sutton, D.M.D., P.A.

Executive Air, LLC

Express Oil Change and Tire Engineers

Expression Designworks

Fairfield Inn & Suites (Shalimar)

Faith Independent Baptist Church

Family Chiropractic Clinic

Family Eye Care



Fenders Collision USA, Inc

Fenix Clan LLC dba Connect With Flowers

Ferguson Enterprises, Inc.

First Baptist Church of Destin

First Baptist Church of Niceville

First Judicial Circuit Court of Florida

First Presbyterian Church of Destin

Fisher House of the Emerald Coast, Inc.

Five Star Conscierge Services, LLC

Fixture Exchange

Flaherty Defense Firm

Fleet Maintenance of NWF

Fleming`s Prime Steakhouse and Wine Bar

FletcherSales Realty, Inc.

FLIR Systems, Inc

Flooring Authority, The

Florida Building, Roofing, Engineering Enterprises and Services Inc.

Florida Dermatology LLC.

Florida Resort Recreation, Inc.

Florida Small Business Development Center at University of West Florida

FM Fishing Corp.

Forclosure Clean and Repair LLC

Forest Lake Bible Church

Fort Walton Beach Chamber of Commerce

Fort Walton Beach Fllea Market LLC

Fort Walton Beach Medical Center

Fort Walton Beach Rehabilitation Center

Fort Walton Machining, Inc.

Four Points Sheraton

Four Seasons Air Conditioning, Heating & Refrigeration

Fresenius Medical Care

Fresh Start for Children & Families, Inc.

Friends of Navarre Library

Friends of the Mary Esther Library

Friendship Veterinary Hospital

Frozen Explosion Inc dba Dippin Dots

Fryer Cluck LLC dba Zaxby`s - Crestview

Fryer Cluck, LLC dba Zaxby`s - Niceville

Ft. Walton Concrete, Inc.

Ft. Walton Mitsubishi


(Video) A+FCU How-To: Online Membership Account Opening

Garibe Nawaz, Inc. dba Tru by Hilton FWB

Gary Smith Ford, Inc.

Gary Smith Honda

Gatlin Lumber & Supply Company

General Dynamics OTS

Generations United Church

GFWC Fort Walton Beach Woman`s Club, Inc.

Gibson Welding Sheet Metal & Vent, Inc.

Gilligan`s Seafood, Inc.

Gilligan`s Watersports, Inc.

Gilmore Insurance and Bonding, Inc.

Gipson Commercial Solutions Inc.

Glass Doctor

Global Transmission & Auto Services

Gold`s Gym, Ft. Walton Bch

Gold`s Gym, Miramar Beach

Gomez Concrete, L.L.C.

Good News United Methodist Church

Good Shepherd Luthern Church

Government Contractor

Grace`s Place Ministries

Grass Roots Lawn and Landscaping, Inc.

Great Florida Smiles and Orthodontics

Greater Peace Missionary Baptist Church

Guaranteed Truck Service

Gulf Coast Electric

Gulf Coast Hydrocarbons Inc

Gulf Coast Shutter

Gulf Coast Treatment Center

Gulf Coast Youth Academy

Gulf Coast Youth Services


Gulfshore Air Conditioning & Heating, Inc

Gustin, Cothern, & Tucker, Inc.

Halfhitch Tackle Navarre

Hampton Automotive Group, Inc.

Hampton Inn Niceville-Eglin AFB

Hampton Inn/Destin

Hand & Stone Massage and Facial Spa

Hansen Tool Company

Happy Computers

Harbor Docks, Inc.

Harbor Nails & Spa

Harbor Walk Village (AKA Legendary, Inc.)

Harrington Electrical Contracting

Harris Business Machines, Inc.

Harry & David, LLC

Harry T`s Boathouse at Harbor Walk Village (AKA Legendary, Inc.)

Havens & Miller, P.L.L.C.

Headway of NW Florida, Inc.

Healing Hoof Steps Corporation

Healing Paws for Warriors, Inc.

HealthSource Chiropractic and Progressive Rehab

HEALTHSOUTH Emerald Coast Surgery Center

Healthy Coast Meals, LLC

Henard Chiropractic, Inc.

Heritage Gardens Funeral Home & Cemetery

Higher Ground Coffee and Gifts

Hightide Restaurant

Himes Sign Corporation

Holiday Inn Express Fort Walton Beach Central

Holiday Inn Express FWB

Holiday Inn Express/Destin

Holiday Isle Improvement Association, Inc.

Holiday Isle Insurance Group

Holiday Isle Properties, Inc.

Holiday Surf and Racquet Club

Holly Navarre Seniors Association

Homewood Suites by Hilton Destin

Horizons of Okaloosa County Inc.

Hub City Ford, Inc.

Hudson Homes,Inc

Hy-Tech Landscaping & Irrigation, Inc

Ice Cream Sensations of the Emerald Coast

Image Printing & Digital Services, In.

Immanuel Anglican Church

In Your Budget Services

InDyne, Inc.

Institute of Diagnostic Imaging

Integrated Systems Analysts Inc.

Integrity Chiropractic

International Conference of Police Chaplains

InternetCRM, Inc.

J and F Autowerks

Jacobs Technology, Inc.

Jacqueline Luberto LLC dba Realty One Group Emerald Coast

Jasele LLC.

Jasmine Thai LLC

Jay-Mar Shores HOA

JBJ Flooring Inc.

Jean Woo, DDS, PA

Jenkins Engineering, Inc.

Jobe`s Dirt Works, LLC

John Newman dba BibleMovies com by John Newman

John`s Pool Service

Jojo`s Coffee and Goodness

Jordan Air Enterprises, Inc.

Junior Food Stores of West Florida, Inc d.b.a. Tom Thumb Food Stores

K & R Cuts Lawn & Landscaping Inc. dba The Porch Life

Kaufman Tile Services, Inc.

Key Lime Construction, LLC

KIA FT. Walton

Kidz Korner

Kiki Risa

Kingdom Over Castles

Kitchen & Bath Center

Kitty Hawk Kites of Florida, LLC

KM Cycle and Marine, LLC.

Kool Breeze of Northwest Florida, Inc.

Kovy Nail Spa, Inc.

L-3 Communications

Labor-Cost Management, Inc.

Laenen and Company, LLC dba Magnolia Soap and Bath of Destin

Lamar Outdoor Advertising

Larry Batchelor Mechanical, LLC

Lawnscape Services, Inc.


Le Tre Sorelle, Inc. dba La Famiglia Italian Restaurant

Lee Buick GMC

Lee Nissan

Legendary , Inc.

Legendary Assets & Operations, LLC

Legendary Builders (AKA Legendary, Inc.)

Legendary Corporate Offices at Desin Commons (AKA Legendary, Inc.)

Legendary Marine Services ( Legendary, Inc.)

Legendary Realty, Inc. (AKA Legendary, Inc.)

Lenny`s Grill and Subs (ME Blvd)

Lenny`s Grill and Subs (N Beal Parkway)

Lenny`s Sub Shop - Destin

Lenny`s Sub Shop - Eglin Pkwy

LensCrafters Destin Commons

Liberty Tax Service

Lily Nails Day Spa

Liquid Cooled Design LLC dba Atomic Frog Tattoo

Livin` Right Real Estate, LLC

Living Faith Christian Center

Lockheed Martin Corp.

Longhorn Steakhouse of Destin

Lowe`s of Fort Walton Beach

Lucky Nunes Insurance Agency

Lucleon Insurance

LuLu`s - Destin

Lynx FBO Destin LLC

Maccabee`s Cabinets and Design Studio

Made To Shine INC

MAG Aerospace

Magnolia Medical Clinic, P.A.

Magnolia Plantation Property Owners Association, Inc.

Magnolia Soap and Bath of Destin

Manna Church

Manor at Bluewater Bay, The


Marines Retired

Massage Envy

Master Builders of Destin, Inc.

Mayhew`s Marine Repair Service, Inc.

McDonalds (AKA David Costa Enterprises)

McDorman Construction, Inc.

McGuire`s Irish Pub

McNeill Palm LLC


Medicare Supplement Services

Merle Norman at Elite Salon

Merry Maids

Michael Troccoli, LLC


Micro Auto Paint, LLC

(Video) Online Credit Union | How To Join Andrews Federal Credit Union With Bad Credit No credit Check 2021?

Micro Systems Inc.

Midbay Veterinary Hospital

Military Dependent

Millers Upholstery

Mills Heating & Air

Miracle Strip Aviation

Miracle Strip Body Shop

Miramar Beach Realty

Morgan Consulting, Inc.

Mossey Cove Townhome Owner`s Association

Murphy`s Home Services, Inc.

Nail and Hair Studio LLC

Nails Xpress

National Guard

Natl Association of Retired Federal Emp

Nautical Treasures at Harbor Walk Marina ( AKA Legendary, Inc.)

Navarre Area Board of Realtors, Inc.

Navarre Beach Area Chamber of Commerce

Navarre Family Health P.A.

Navarre First Assembly of God

Navarre Lumber & Supply, Inc.

Navarre Post 382, The American Legion, Dept. of FL

Navarre United Methodist Church


Nazca Peru Inc

New Course Inspections

NEW Customer Service Companies, Inc.

New Life Church of God, Inc.

New Zion Tabernacle Ministries, Inc.

Newman-Dailey Resort Properties, Inc.

Niceville Assembly of God

Niceville Auto Service

Niceville Christian Church

Niceville Church of Christ

Niceville Housing Authority

Niceville Insurance Agency

Niceville Valparaiso Chamber of Commerce

Niceville, Valparaiso, Okaloosa County Regional Sewer Board, Inc.

Non-Appropriated Funds (NAF)

North Bay Fire District

North Florida Anesthesia Associates, LLC

North Okaloosa Medical Center

Northrop Grumman PRB Systems

Northwest Florida Daily News, The

Northwest Florida State College

Norton Insurance of Florida

Nothing Bundt Cakes

NWFSC - Employees and Students

O`Sullivan Creel, LLP

Ocean City Pawn

Office of Kevin M. Helmich, P.A.

Office of State Attorney 1st Judicial Circuit of FL

Office of Thomas H. Moraczewski, M.D.

Okaloosa County Board of County Commissioners

Okaloosa County Clerk of Court

Okaloosa County Employees

Okaloosa County Property Appraiser

Okaloosa County Sheriff`s Office

Okaloosa County Tax Collector`s Office

Okaloosa Gas

Okaloosa Island Fire District

Okaloosa Publishing Company

Okaloosa Surgical Associates, P.A.

Okaloosa Title and Abstract Company

Okaloosa Youth Academy

Olive Garden Italian Restaurant (Destin)

Olive Garden Italian Restaurant (FWB)

Omnicommander, Inc.

One Hour Heating and Air

One World Beauty Supply Superstore LLC

Open MRI of Fort Walton

Opportunity Place, Inc.

Order Sons of Italy in America, Joseph B Franzalia Lodge 2422

Orr Motors of Destin

Orr Pre-Owned of Destin

Overhead Door Company of Northwest FL

P.C. Carter Insurance Agency

Pad Thai Cuisine, Inc.

Palms of Destin Resort and Conference Center, The

Pancakery, The

Panera Bread (Crestview)

Panera Bread (Mary Esther)

Panhandle Elite Volleyball Club Inc.

Panhandle Soaps LLC dba Buff City Soap

Paradise Pizza d.b.a. Dominos Pizza

Parkway Veterinary Hospital

Parrot Head Yachts, LLC

Parsons Corporation

Pat`s Cleaning Service

Patinos Auto Body Shop LLC

Paya EFT, Inc.

Payne Chiropractic Wellness Center

Peaden, LLC - FWB and Navarre

Pepito`s Mexican Restaurant

Perdido Key Resorts Rentals

Pets Behave LLC


PHG Destin, LLC dba Homewood Suites by Hilton Destin

Pine Ridge at Shalimar, LLC

Pointe South

Polyengineering Florida, Inc.

Ponderosa Builders, Inc.

Poppell Business Holdings LLC dba Clean Eatz

Porsche of Destin

Pregnancy Resource Center Navarre Inc.

Premier Media Technologies

Premier Mortgage Home Funding

Prentice Thomas & Associates

Prescott Architects

Preston Hood Chevrolet, Inc.

Princess Nail Hair and Boutique LLC

Quinn Physical Therapy P.A.

R. Bradley Sheldon, M.D., P.A.

RAK Construction, LLC

Randy Wise Homes, Inc.

RDF Associates

Re/Max Southern Realty

Real Estate Market, The

RealJoy Vacations

Realty One Group Emerald Coast

Red & White, Inc.

Red 7 Tees LLC

Red Eye Joe`s Car Wash

Redwood/College Garden Apartments

Regatta Bay Golf and Country Club (AKA Legendary, Inc. )

Regular Maintenance & Repair , LLC

Rehabilitation Institute of NWF - Destin

Reliable Land Title Corporation

Reliance Test and Technology


Residence Inn by Mariott Fort Walton Beach

Residence Inn Sandestin

ResortQuest Northwest Florida

Rexel Electrical and Datacom Supplies

RhinoShield Systems, Inc.

Rib Shack of Navarre, LLC

Richard S. Lacour, CPA, LLC

Richardson Electric

Rise Chiropractic LLC

River of Life Family Church

Riviera Fitness Center

Road Dogg Rescue Inc.

Rocky Bayou Baptist Church

Rocky Bayou Christian School

Rocky Bayou Owners Association

Rolin Industries

Rosario Foods, Inc. dba Picolo Restaurant & The Red Bar

Roya Hotel & Suites Bayside

Ruckel Properties, Inc.

Rutherfords 465 Restaurant at Regatta Bay Golf and Country Club (AKA Legendary, Inc.)

Rx Express Pharmacy

Saint Peter Catholic Parish

Saint Sylvester Catholic Church

Salvation Army, The - FWB Corps

Sam Taylor Buick-Cadillac, Inc.

SAM`s Club 6361 - FWB

Sandbox Boyz LLC

Sanders Manufacturing Company, Inc.

Sandestin Golf and Beach Resort

Sandestin Investments, LLC

Sandestin Real Estate

Santa Rosa County Sheriff`s Office

Save Our Cats and Kittens, Inc.

Science Applications International Corp.

Scott General Contracting, LLC

Seascape Golf, Beach and Tennis Resort

Seaside Cottage Rental Agency

Seaside Spine Crestview LLC

Seaside Spine LLC

Seaside Spine Mary Esther, LLC

Seaspray Condominiums

Seaview Glass and Mirror

(Video) United Nations Federal Credit Union Personal Loans

Sequel Electrical

SG Tile Masters LLC

Shalimar Baptist Church

Shalimar Family Denistry

Shalimar Little League

Shalimar Pointe Owners Association Inc.

Shalimar United Methodist Church

Shalimar Veterinary Hospital

Sharon S. Chen, D.D.S.

Shoal River Mustang Club

Shoreline Church Inc.

Shot in Focus Photography, LLC

Sierra Nevada Corporation

Sign Masters

Signature Research, Inc.

Silver Beach Towers

Silver Dunes Condominium

Silver Shells Beach Resort and Spa

Silvercrest Health and Rehabilitation Center

Simple HR

Simpson Law Firm

Slim Chickens

Slim Miracle, LLC dba Slim Chickens


Smith Ironworks, Inc.

Smoothie King

Smoothie King #1907

Southeast Contractors of North Florida, Inc.

Southeastern Sash and Door

Southern Association Management

Southern Earth Sciences, Inc

Southern Management Group, Inc.

Southern Residential Leasing

Space Force

Specialty Roofers, Inc

Speegle Construction, Inc.

St. Paul Lutheran Church

Staff Dental Office


Step One Automotive Group, LLC

Sterling Companies, LLC, The

Stone Network, LLC

Striving for Perfection Ministries, Inc.

Subaru FT. Walton Beach

Sugar Mill Sweets, Inc.

SummerPlace Inn

Sun Hut Tanning Salon

Sun, Sand and Sea Beach Service, Inc.

Sunrise Marine

Sunset Designs

Sunset Mini Storage

Sunshine Hotels Investments

Supreme Washaway Services, LLC

Surge Supression Incorporated

Surgery Center @ Sacred Heart Medical Park, The

SURVICE Engineering Company

Susan M. Surber, P.A.

Sverdrup Technology Inc./TEAS Group

Swoop Deep Sea Fishing at Harbor Walk Marina (AKA Legendary, Inc.)

Sylvania Heights First Baptist Church

Talon Investments Inc.

Technical Services Lab Inc.

Teltara Industries Inc.

TGI Friday`s - Destin

Thai Noodle Place

The Autoworks II LLC

The City of Crestview

The Cone Ice Cream

The Corner Cafe

The Gulf

The Heights Classic Chicago Cuisine LLC

The Honey Do Service, Inc.

The Local`s Public House Eatery

The Macaron Chef LLC

The Porch Life

The Shack

The W.W. Williams Company LLC dba Guaranteed Truck Service

Thomas J. Manski, M.D., P.A.

Thomas L Hills DMD

ThomCo Enterprises, Inc.

Tides of Destin

TierOne Media LLC

Tiffany Vaughan Photography

Tijuana Flats

Tile Temptations

Tim Smith Acura

Tindle Enterprises, INc.

Tips and Toes Spa Corp.

Today`s Fashion Boutiques

Tom Thumb Food Stores/AKA: Junior Food Stores of West Florida, Inc.

Tomahawk Properties, LLC dba Liberty Tax Service

Tommy L. Gill, CPA, P.A.

Tony D. Clark, D.M.D., P.A.

Tops Hamburgers of Navarre

Total Parts Plus

Town of Shalimar

TownePlace Suites Fort Walton Beach-Eglin AFB

Trader Tom`s Pier

Trainer on Wheels

Transportation Security Administration

Travis J. Dickerson Construction

Trinity Analysis and Development Corp.

Tropical Beach Weddings Florida, LLC

Tropical Beach Weddings Florida, LLC

Tropical Yacht Sales

Tru by Hilton Niceville

TS Tile, LLC

TSA Consulting Group, Inc.

Turnin Headz Hair Boutique

Twelve Oaks Recovery

Twin Cities Hospital

Twin Cities Pavilion

Twisted Grape Wine Bar Shalimar

UF Research and Engineering Education Facility (REEF)

Unitarian Universalist Fellowship of the Emerald Coast, The

United for a Good Cause, Inc.

United Way Emerald Coast, Inc.

Universal Motor Cars, Inc.

US Government / Okaloosa

US Government / Santa Rosa or Walton

US Military - Active Duty

US Military - Dependent

US Post Office


Van Scott Cogley, DDS

Ver-Val Enterprises, Inc.

Veterans Administration in Okaloosa County

Veterans honorably discharged from US Armed Services with a form DD214 who reside in Okaloosa, Santa Rosa or Walton County

Victory Resolutions LLC dba Smoothie King #1907

Village Baptist Church

Vision Church

Volkswagen FT. Walton

W.G. Yates & Sons Construction Company, Inc.

Walker`s Ace Hardware

Walmart - Destin

Walmart - FWB

Walmart - Gulf Breeze

Walmart - Navarre

Warner Mechanical Contractors, Inc.

Waste Management

Wat Florida Buddharam

Water Management Consultants and Testing, Inc.

Waterscape Condominium Owners Association, Inc.

WCS, LLC dba The Shack

Weddle Enterprises, LLC dba FASTSIGNS

Wheelchair Sports and Recreation Association

White Diamond Beach Service, Inc.

White Sands Chiropractic, Inc.

White-Wilson Medical Center, P.A.

Wild Ginger Hibachi

Williams Insurance Agency

Willingham Construction

Willingham Plumbing

Wine World

Winngate Inn - Destin


WSI Internet Consultants

WW & T Inc. dba Twisted Grape Wine Bar Shalimar

Wyle Laboratories

Wyndham Vacation Ownership

Xtreme H2O

Ya Ya`s Salon

Young`s Contracting

Youth Village

Zaxby`s - FWB

ZT Motors of Fort Walton Beach, LP


How do I become a member of AmeriCU? ›

You're eligible to join AmeriCU, if:
  1. You live, work, worship, or attend school in AmeriCU's footprint,
  2. You (or a member of your family) is on active-duty, retired from service, in the reserves, or a veteran of the U.S. military,
  3. You are employed by an AmeriCU Business Partner, Trade Group, or Association,

What does it mean to be a member of a credit union? ›

Being a credit union member means you share your financial institution's ownership, vision and profits. It gives you the opportunity to shape your personal banking experience, as well as the impact your banking has on your local community. Membership has meaning and value.

What does EFCU stand for? ›

EFCU Financial is derived from our history as the credit union for Exxon employees. Once named Exxon Federal Credit Union then E Federal Credit Union and now EFCU Financial, we've stayed the course of remaining loyal to the refinery industry that gave us our great start as the 13th chartered credit union in the US.

How much does Navy Federal allow you to overdraft? ›

Overdraft Protection Fees

You can only be assessed one overdraft fee per day per account. OOPS is limited and only available up to $500. Your account may become overdrawn in excess of the $500 limit due to fees. Up to $50 in fees may be added to the limit.

What is an example of a credit union? ›

There are a variety of unions, and each is opened for different purposes, such as state employees' credit union, federal navy credit union, digital federal credit union, Boeing employees' credit union, etc. The National Credit Union Administration (NUCA) administers and regulates the affairs of these unions.

Who can join AmeriCU credit union? ›

You can join AmeriCU today if you live, work, worship, or attend school in Central or Northern New York, or you or a member of your family is on active-duty, in the reserves, or a veteran of the U.S. military. It's that easy!

What is my AmeriCU account number? ›

Your member account number is located on your Membership Identification card or on the Welcome Letter you received at the time of account opening. You may also obtain your account number by stopping into your local Financial Center location.

What are the benefits of becoming a member of a credit union? ›

There are many benefits of credit union membership.
  • Personalized customer service.
  • Higher interest rates on savings.
  • Lower fees.
  • Lower loan rates.
  • Community focus.
  • Voting rights.
  • Variety of service offerings.
  • Insured deposits.
24 Jan 2022

Do credit unions Check your credit? ›

Credit Unions may run credit checks when you apply to join. However, your score won't necessarily determine whether you'll be approved for membership. Instead, it may dictate which services you're eligible for.

What are the benefits of joining a credit union? ›

Benefits of a Credit Union
  • Lower rates on loans and credit cards. ...
  • More forgiving qualification standards. ...
  • A powerful presence in the community. ...
  • Higher rates on savings accounts. ...
  • Personalized credit assistance. ...
  • Other education.
14 Apr 2019

How do I find my EFCU account number? ›

Finding my account number
  1. After you've logged into Online Banking, click on the blue name for your savings account.
  2. The Account History page will open. Click on Account Details.
  3. The ACH Number is your Account Number. For this example, the account number is 1111111.

Is EFCU safe? ›

Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.

Does EFCU have Zelle? ›

It's easy — Zelle® is already available within Baltimore County Employees Federal Credit Union's mobile banking app and online banking within Bill Pay! Check our app or sign in online and follow a few simple steps to enroll with Zelle® today.

Will Navy Federal Give me a second chance? ›

Navy FCU Gives Members with Account Management Problems Second Chance with Fresh Start Checking.

Can you withdraw money if you have a negative balance? ›

Can you withdraw cash from a negative account? For many people, the answer will be yes. However, it depends on your bank and exactly how you have set up your checking account. Sometimes you need to specifically opt into overdraft coverage, other banks require you to opt-in for overdraft protection.

Can you overdraft if you have no money? ›

An overdraft occurs when you don't have enough money in your account to cover a transaction, and the bank or credit union pays for it anyway.

What are 3 ways banks help you? ›

6 Ways Your Bank Can Help You Manage Your Money
  • Low Balance Alerts. ...
  • Online and Automatic Bill Pay. ...
  • Sub-Accounts for Savings. ...
  • Automatic Savings Deposits. ...
  • Online and Mobile Budgeting Tools. ...
  • Mobile Check Deposit.
1 Mar 2020

Can credit unions fail? ›

National Credit Union Administration (NCUA) credit unions have only had two conservatorships/liquidations in 2020. This is fewer than the number of Federal Deposit Insurance Corp. (FDIC) bank failures this year. But both types of financial institutions have seen a low number of failures compared with past years.

Who owns AmeriCU credit union? ›

AmeriCU is a not-for-profit financial institution owned and governed by our members. Each year at our Annual Meeting, the membership of the credit union votes for members who will serve as Directors on our seven member, all-volunteer Board of Directors.

Does AmeriCU have Zelle? ›

Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Find Zelle in your Ameris Bank Personal mobile app.

Is AmeriCU nationwide? ›

Wherever you are, you're never far from AmeriCU! With 19 Financial Centers throughout Central and Northern New York, over 30,000 surcharge-free ATMs nationwide, and access to a nationwide Shared Branching network, we make it easy for you.

Does AmeriCU have mobile deposit? ›

Take your banking where your business takes you.

And, through the AmeriCU Business App, Business Online Banking now offers Mobile Deposits… the ability to deposit your checks safely and securely with your smartphone, just by taking a picture! Make an appointment to get started!

Is MICR my account number? ›

The MICR number is the account number listed on the bottom of your checks and is used for setting up direct deposits and automatic withdrawals from your accounts. Your 14 digit MICR/Account number can be found on the bottom of your check.

Does AmeriCU have online banking? ›

Stay connected to your accounts on the go – download AmeriCU's mobile banking app free from the App Store or Google Play. New to online banking? Use your account number as your initial UserID and your TeleLink PIN as your initial password.

How do credit unions benefit the community? ›

Credit unions reinvest in their communities.

When you deposit money at a credit union, your money stays in the local community and can be used to help a family get their first mortgage, finance a student's education, or help a local business owner open a new store location.

Does joining a credit union affect your credit score? ›

Does a Credit Union Credit Card Help Build Your Credit Score? A credit union credit card helps you build your credit score just like any other credit card. When you make payments toward your credit union card, you can expect your card's issuer to report your payment history to credit bureaus.

Can you join more than one credit union? ›

Yes. There are no restrictions as to how many credit unions you can join as long as you meet their membership criteria.

What is a good credit score? ›

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

Do you need a good credit score to join a credit union? ›

Fortunately, credit unions will generally let anyone join who qualifies regardless of credit. Rather than basing eligibility for an account on someone's credit, a credit union will usually base it on a person's demographics.

Can a credit union deny membership? ›

Yes. There are a number of reasons why a bank or credit union may refuse to open a checking account.

Can you make money by starting a credit union? ›

A credit union can be quite a profitable financial institution because it is a member-owned, not-for-profit cooperative. This means that the members share in the profits generated by the credit union. Basic credit unions also often have lower fees and interest rates than other types of financial institutions.

What are two disadvantages of a credit union? ›

The downside of credit unions include: the eligibility requirements for membership and the payment of a member fee, fewer products and services and limited branches and ATM's. If the benefits outweigh the downsides, then joining a credit union might be the right thing for you.

What are the risks of a credit union? ›

Credit unions face external risk factors, including natural disasters, exchange rates, cybercrime, interest rates, and loss of funds due to theft. Credit unions also face such internal risks as internal fraud, regulatory non-compliance, data breaches, legal risks, and liability for injuries to consumers and staff.

How many digits is a check number? ›

What is the check number? In the upper right-hand corner is three or four-digit number, which is your check number. This number is helpful for your own record keeping, particularly when you're balancing your checkbook.

Is my member number my account number? ›

Please Note: An Account Number is separate from your Member Number. Your Member Number identifies your membership as a whole, while an Account Number is a unique 14-digit number assigned to a specific account. Each account type (checking, savings, loan) will have a different Account Number.

Does ACH mean account number? ›

ACH stands for Automated Clearing House. To find your ACH routing number, first check your checkbook. It may be the nine-digit number to the left of your account number. ACH is an electronic money transfer system that lets individuals receive or send payments via the Federal ACH network of banks in the United States.

Is EFCU Financial a good bank? ›

EFCU Financial's CD rates are 3X the national average, and it has an A health rating.

Is EFCU FDIC insured? ›

Each member's funds are federally insured to at least $250,000 by the National Credit Union Share Insurance Fund administered by the National Credit Union Administration (NCUA), an agency of the Federal Government.

What is safe credit union? ›

SAFE is one of the largest credit unions in the Greater Sacramento region, is among the largest 25 in California, and in the top 100 in the United States. Our mission is to help members improve their financial well-being, to provide excellent service, and to ensure a financially sound credit union.

Does Zelle report to IRS? ›

Those posts refer to a provision in the American Rescue Plan Act, which went into effect on January 1, 2022, according to which anyone receiving $600 per year using Venmo, PayPal, Zelle, or Cash App will receive a 1099-K and be required to report that income on their taxes.

Can I Zelle to Cash App? ›

Cash App cards and Zelle are incompatible, so you cannot link them together. So, when you try to enter your Cash App card information, Zelle will not let you do so and give you an error message.

Can I send $5000 through Zelle? ›

If your bank or credit union offers Zelle®, please contact them directly to learn more about their sending limits through Zelle®. If your bank or credit union does not yet offer Zelle®, your weekly send limit is $500. Please note that you cannot request to increase or decrease your send limit.

Does Navy Federal check credit for membership? ›

We've long said that when you join Navy Federal Credit Union (NFCU) they will do a hard pull on your credit report. Reader John points out that this isn't always the case but there is some variance. The take aways are: When opening a savings account directly there is almost no chance a hard pull will be doing.

How long does Navy Federal credit Limit Increase take? ›

We like to see at least three months of on-time payments on an existing Navy Federal Credit Card account before approving an increase to its credit line. We generally grant credit line increases on an existing credit card account no more than once every six months.

Can I join Navy Federal Credit Union if my grandfather is deceased? ›

Eligible family members include spouses, parents, children (natural born, step and adopted), siblings, grandparents and grandchildren. Once family members have joined, they can extend the membership opportunity to their immediate family members. For more information about membership eligibility, call 1-888-842-6328.

Can I overpay my credit card to increase limit? ›

Having a balance of zero is good for your credit score, but you won't get an extra boost by overpaying. Overpaying will not raise your credit limit.

Is it good to overpay your credit card? ›

If you've overpaid your bill by a small amount, you shouldn't see any negative effects on your account. But you shouldn't expect a credit boost, either. Overpaying your bill won't make up for any past missed or late payments, and it won't increase your credit score or your credit limit.

Can I withdraw money from my bank account with no money in it? ›

It is possible to withdraw funds beyond the account balance, but they are subject to repercussions, bank terms, and fees. Funds withdrawn beyond available funds are deemed to be overdrafts that can incur penalties.

What is the maximum amount you can overdraft? ›

Federal laws do not specify maximum amounts for fees that banks can charge for overdrafts. These decisions are made by the bank. Banks are required to disclose any fees when the deposit account is established, and they are required to give you advance notice of any increase in a fee.

How many times can you overdraft your account? ›

Overdraft Fee

Every bank and credit union has its own limit on the number of overdraft fees it will charge in one day. You can commonly expect banks to charge a maximum of 4 to 6 overdraft fees per day per account, though a few outliers do allow as many as 12 in one day.

How do I overdraft my Cash App? ›

Nevertheless, if you want to find out for yourself if you're eligible for an overdraft, do the following:
  1. Open your Cash App.
  2. Tap on the Cash App balance (lower left corner)
  3. Find the “Borrow up to $200” option.
  4. Tap “Unlock”
  5. Tap “Scroll to Continue”
  6. Tap “Continue”
  7. Select an amount.
  8. Read the user agreement.
2 Jun 2022

Is a credit union better than a bank? ›

Credit unions typically offer lower fees, higher savings rates, and a more personalized approach to customer service for their members. In addition, credit unions may offer lower interest rates on loans. It may also be easier to obtain a loan with a credit union than a larger bank.

Are credit unions safer than banks? ›

Why are credit unions safer than banks? Like banks, which are federally insured by the FDIC, credit unions are insured by the NCUA, making them just as safe as banks. The National Credit Union Administration is a US government agency that regulates and supervises credit unions.

What's the difference between a bank and a credit union? ›

As mentioned above, the key difference between banks and credit unions is that banks are for-profit institutions that provide profits to their shareholders while credit unions are run by their members.

What is banking in simple words? ›

Banking is the business of protecting money for others. Banks lend this money, generating interest that creates profits for the bank and its customers. A bank is a financial institution licensed to accept deposits and make loans. But they may also perform other financial services.

What are the questions asked in bank interview? ›

Top 21 Banking Interview Questions and Answers are:
  • Question 1: Brief me about yourself? ...
  • Question 2: Why do you want to join the banking sector? ...
  • Question 3: What are the types of accounts in a bank? ...
  • Question 4: What are the necessary documents a person requires to open an account in a bank?
17 Aug 2022

How much money is protected in a credit union account? ›

The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their single ownership accounts. These accounts include regular shares, share drafts (similar to checking), money market accounts, and share certificates.

What are the best credit unions? ›

Compare Providers
Financial InstitutionWhy We Picked It
Blue Federal Credit UnionBest Overall
Liberty Federal Credit UnionBest for Checking
Alliant Credit UnionBest for a Savings Account
Hiway Federal Credit UnionBest for CDs
2 more rows

Who owns AmeriCU credit union? ›

AmeriCU is a not-for-profit financial institution owned and governed by our members. Each year at our Annual Meeting, the membership of the credit union votes for members who will serve as Directors on our seven member, all-volunteer Board of Directors.

Is AmeriCU nationwide? ›

Wherever you are, you're never far from AmeriCU! With 19 Financial Centers throughout Central and Northern New York, over 30,000 surcharge-free ATMs nationwide, and access to a nationwide Shared Branching network, we make it easy for you.

Is MICR the same as account number? ›

The MICR number and Account number should be the same thing. The MICR number is the account number listed on the bottom of your checks and is used for setting up direct deposits and automatic withdrawals from your accounts. Your 14 digit MICR/Account number can be found on the bottom of your check.

Does AmeriCU have Zelle? ›

Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Find Zelle in your Ameris Bank Personal mobile app.

How do I close my Americu account? ›

You may close your account(s) by at any of our Financial Center locations, or by mail, or by fax. If you are unable to come in to a Financial Center, please log into online banking and send a secure message for account related questions.

How much can you take out of an AmeriCU ATM? ›

When using your AmeriCU VISA® Check Card and your PIN (Personal Identification Number), you may withdraw and/or purchase (debit option) a maximum of $1000 in any one day from an ATM and/or $500 (5 transactions) at at POS (Point of Sale) terminal, if there are sufficient funds in your account.

What is my MICR number? ›

The MICR number is the number needed for any automatic deposits or withdrawals. You can find it on the bottom of your checks, or in digital banking, you can click on the checking account and look at account details to find the MICR number.

What is MICR used for? ›

MICR (magnetic ink character recognition) is a technology invented in the 1950s that's used to verify the legitimacy or originality of checks and other paper documents. Special ink, which is sensitive to magnetic fields, is used to print certain characters on the original documents.

How many digits is a MICR number? ›

The 12-character account number that identifies the payer.

Can I use Zelle without a bank account? ›

But, even if you don't have Zelle® available through your bank or credit union, you can still use it! Simply download the Zelle® app in the App Store or Google Play and enroll an eligible Visa® or Mastercard® debit card. After you enroll, you can send and receive money with confidence to almost anyone you trust.

How much can you Zelle a person? ›

Does Zelle® limit how much I can send or request? You can send up to $2,500 per day with Zelle®. There are no limits on how much you can request with Zelle®, but keep in mind that people sending you money may have limits set by their own financial institutions.

Does Cash App work with Zelle? ›

Cash App cards and Zelle are incompatible, so you cannot link them together.


1. NEW NAVY FCU Membership - To Me! #NavyFederal #NFCU
2. How can I Become a Member at Hanscom FCU | David Sprague, CEO
(Hanscom Federal Credit Union)
3. How to Join Navy Federal Credit Union Without being Military
(Radikal Marketer)
4. #51 Q&A Military Emergency Funds: Where to Keep, How Many Accounts To Have
(Military Money Manual)
5. It's easy to become a member at Notre Dame FCU!
(Notre Dame FCU)
6. NEW Secret Ways to Join Navy Federal Credit Union
(Radikal Marketer)

Top Articles

You might also like

Latest Posts

Article information

Author: Jerrold Considine

Last Updated: 09/17/2022

Views: 6101

Rating: 4.8 / 5 (78 voted)

Reviews: 85% of readers found this page helpful

Author information

Name: Jerrold Considine

Birthday: 1993-11-03

Address: Suite 447 3463 Marybelle Circles, New Marlin, AL 20765

Phone: +5816749283868

Job: Sales Executive

Hobby: Air sports, Sand art, Electronics, LARPing, Baseball, Book restoration, Puzzles

Introduction: My name is Jerrold Considine, I am a combative, cheerful, encouraging, happy, enthusiastic, funny, kind person who loves writing and wants to share my knowledge and understanding with you.