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Find out what Better really means…

Free CEFCU Debit Mastercard®

Spend Better when you have cardholder benefits like, Zero Liability footnote 1, Mastercard ID Theft Protection footnote 2, fraud alerts, access to over 30,000 fee-free Co-op® ATMs, and secure digital wallet access.

Plus more Card benefits


Benefit Better with a CEFCU Checking account. When you open a Free Checking account, there is no monthly fee or minimum balance requirement.

Learn more about our Checking account

CEFCU On-Line® & Mobile Banking

Access Better through our convenient Online Banking platform. Useful services like Card Alerts and Controls (including a turn on/off feature), Online Budgeting Tools, Mobile Check Deposit footnote 3, and eStatements are at your fingertips.

Learn more about Online Banking

Cash Back Credit Mastercard

Achieve Better with low rates and 1.5% cash back on every qualifying purchase footnote 4 with no limit to the amount of cash back you earn! Plus, easily redeem your earned cash two ways; as a statement credit, or deposit to your CEFCU Savings or Checking account.

Vehicle & Recreational Loans

Borrow Better with personalized service, flexible terms, and never any hidden fees or early payoff penalties! Plus, get approval fast with our easy online application.

Home Loans

Experience Better with options for Home Loans and a CEFCU Hybrid Home Equity Line of Credit (HELOC). Whether you’re buying, building, or using your equity — we’ve got you covered! Our knowledgeable Home Loan reps are ready to help you save money with special advantages like a no fee 90-day rate lock footnote 5 and first-time home buyer programs. No matter which loan type fits your needs, you’ll enjoy competitive rates and low closing costs.

Giving Back

Imagine Better communities. CEFCU is dedicated to the areas we serve. Being a good corporate citizen takes form in many ways, from charitable giving to employee volunteerism. We are passionate about making real, positive change in the lives of others.

See all the ways we care

Members Say it Best

Not A Bank. Better.SM See what real members have to say about CEFCU in their own words.

Member stories

  1. Pay only for purchases which you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get details.

  2. Mastercard provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. For complete details, see the CEFCU Debit Mastercard Guide to Benefits.

  3. Only available on the Mobile Banking app.

  4. Cash back: A CEFCU Cash Back Credit Mastercard earns 1.5% cash back rewards for each $1 spent on “eligible” “net purchase transactions” made with the card, rounded up or down to the nearest one cent. “Eligible” purchase transactions do not include cash advances, cash equivalent transactions (such as the purchase of gift cards or cryptocurrency), convenience checks, balance transfers, gambling, insurance charges, or fees of any kind, including finance charges, foreign transaction currency conversion charges, late fees, returned check fees, ACH, Tele-Entry or Autopay fees and ATM cash advance fees, and are excluded from earning cash back. Cash back rewards are not transferable to another rewards program and must be used before the CEFCU Cash Back Credit Mastercard is closed.

    “Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds.

    The amount of cash back earned on an eligible net purchase transaction is calculated by multiplying the amount of that transaction by 1.5%.

  5. Locking in the current rate requires no upfront fee and is available for Mortgages used for the purchase of a primary or secondary residence. Once you find a home, a $350 application fee will be collected and credited toward your closing costs.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.