Energy Federal Credit Union
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New Cars
as low as 1.83% APR
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10.25% APR (Variable)
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4.00% APR

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About Us

History of EFCU

Energy Federal Credit Union (EFCU), a not-for-profit cooperative, was organized in 1948 for one purpose--to offer our members the best financial services available. For more than 60 years we've dedicated ourselves to serving your financial needs with efficiency and integrity.

Seven employees of the U.S. Atomic Energy Commission organized the credit union in January 1948. The U.S. Atomic Energy Federal Credit Union (U.S. AEC FCU) operated as a cooperative to make credit union products available to all employees. In 1974, the U.S. Nuclear Regulatory Commission joined the U.S. AEC Employees FCU as a sponsor organization and the name was changed to the ERDA-NRC Employees FCU. In 1977, the credit union's name was changed to Energy Federal Credit Union.

The U.S. Nuclear Regulatory Commission (NRC) and the U.S. Department of Energy (DOE) were EFCU's primary sponsors. EFCU has continued to broaden its field of membership to include companies that are affiliated with either the NRC or DOE as well as non-affiliated companies.

EFCU offers the best available products and services to meet your savings, investment and loan requirements. EFCU offers a one-stop shop for all your financial needs-online and in the branch. From a knowledgeable staff to convenient electronic services and ATM locations, we are here for you, 24 hours a day. We appreciate the opportunity to serve you and your family and to be your primary financial institution.

Vision Statement

The Energy Federal Credit Union is committed to providing our member-owners with an organization that responds to member needs and changing financial environments. We will focus on member satisfaction by providing quality and timely service through our staff delivery systems, products and services.

We are committed to fostering growth while maintaining a cost-efficient organization. EFCU is a partner with our sponsor organizations in providing an exceptional employee benefit of financial services designed to meet the needs of the membership. We place our members first in all we do.

EFCU is committed to providing our employees with a work environment that promotes professionalism, innovation, personal and professional growth and inclusion in our vision and mission.

Mission Statement

Provide quality service, convenience, and competitive financial products to meet the needs of members.

Ownership of EFCU

As a member of EFCU, you are an owner. As an owner, you enjoy the right to vote on credit union issues, including the election of your Board of Directors. Because EFCU is a not-for-profit organization, all earnings made by the credit union are returned to the membership in the form of lower loan and credit card rates, higher dividends on share accounts and certificates, and lower fees on products and services. The personal attention you receive at EFCU sets us apart from other financial institutions.

Any full or part time employee, pensioned retiree or association member of any Select Employee Group can join EFCU. Membership privileges are also extended to family members. Once a member, always a member is a common credit union philosophy. Even if you change employment or relocate, you are a member until you decide not to be.

All it takes is a $10.00 minimum deposit to open your Membership Share Savings Account and you become a part of the growing EFCU Family! For more information on EFCU membership, call 301-670-1300, toll free 800-223-2177 or TTY 301-990-6513 or e-mail EFCU at

Annual Report

You may request a copy of our latest Annual Report by calling 301-670-1300 or 800-223-2177 and speaking to a representative in the Call Center. You may also email your request to We will mail you a report free of charge.


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