A Credit Union is a not-for-profit financial institution that is owned by its Members. Due to their not-for-profit status, Credit Unions generally offer high-yield deposits, low interest-rate loans and low fee structures.

• One in three Americans belongs to a Credit Union
• A new Member joins IBM Southeast EFCU every 20 minutes, each business day
• 92% of Members trust that the Credit Union is concerned with their financial well-being
• 95% of Members are satisfied with the Credit Union’s overall level of service
• As a Member and owner for life, you can use the superior, valuable services of your Credit Union even if you move or change employers.

• 14 branches in Florida and Georgia as well as a nationwide network of Shared Service Center Branches that are available to you
• Access to 45,000 nationwide surcharge-free ATM locations through the Allpoint, Publix and CU Here networks
  >> Find your nearest ATM
• 24/7 access to your accounts through Online Banking, Telephone Banking and ATMs
• Free Checking, as well as Certificates, Money Market accounts and IRAs
• Free Online Bill Paying and Free eStatements
• Auto Loans, First and Second Mortgages, Home Equity Lines of Credit, etc.
• Membership REWARDS program - savings on many products and services
• The personalized service that makes us unique
• Lifetime Membership for you and your immediate family members

• Only $5 is needed to open a savings account and $25 to open a checking account
• Complete our secure Online Membership/Loan Application
• Print out and sign the completed application form and mail it to us along with copies of two forms of identification and your initial deposit
• Enjoy the benefits of your lifetime Membership with IBM Southeast EFCU