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What does “better” mean? At CEFCU, better began in 1937, when a group of factory workers used a cigar box to gather their savings and make loans to one another. Since then, CEFCU has never strayed from our mission of people helping people — empowering members through lower loan rates, fewer fees, and more.

See what makes CEFCU better  Join Now 

CEFCU Free Checking —

Gives you more of what you want, with:

  • No minimum balance
  • No monthly fee
  • Free Debit Mastercard®
  • Nearly 30,000+ fee-free ATMs
  • Mobile & Online Banking, plus P2P transfers using CEFCU My Pay
  • Digital Wallets
Open your free Checking Account 

Online &
Mobile Banking

Check your balance, transfer funds, pay bills, and more with your smartphone, tablet, or computer.

Find out about Online & Mobile Banking 

Vehicle Loans

From cars and boats to trucks and RVs, shop our competitive rates and flexible terms before you buy.

Check loan rates 

Mortgages &
Home Equity

First-time home buyer? Up- or down-sizing? Building? Or, want to put the equity in your current home to work for you? Find the right Mortgage for you here.

Check out the Home Loan Center  How much equity is in your home? 

CEFCU Credit
Mastercard®

What’s important to you in a credit card? Low rates? Rewards? No annual fees? Choose a CEFCU Credit Mastercard that’s best for you.

Try the Credit Card Chooser  Compare cards