Personal Products & Services

Accounts

Vertical Checking

  • Earn 3.00% APY on balances up to $15,000
  • Free ATMs anywhere worldwide
  • No minimum balance
  • No monthly service fee

Platinum Rewards Checking

Receive 500 Bonus ScoreCard Reward Points Each Month—Plus FREE ATMs Anywhere!

  • 500 bonus ScoreCard reward points each month
  • FREE ATMs anywhere worldwide
  • Cutting-edge online and mobile banking
  • No minimum balance
  • No monthly service fee

Money Market

Earn a high dividend with full access to your cash when you need it.

When you open a money market savings account, you’ll earn higher dividends than a traditional savings account without locking up your cash like a certificate.

Individual Retirement Accounts

Individual Retirement Accounts (IRAs) provide an excellent way to save for the future.

Your earnings are sheltered from taxes—allowing your money to grow faster than funds in an ordinary savings account.

At ETFCU, you’ll find all the features you’re looking for in an IRA:

  • You’ll enjoy great rates on your account.
  • ETFCU IRAs feature no set-up or annual fees.

Share Types

With competitive interest rates and flexibility, ETFCU can help you reach your savings goals

We have savings accounts suited for your needs:

  • Regular Shares
  • Special Shares
  • Christmas Club
  • Vacation Club
  • IRA/CESA Shares

Health Savings Accounts

In light of rising healthcare costs, ETFCU is pleased to offer Health Savings Accounts (HSAs) as a way for you to save for medical expenses.

Our HSAs do not have an annual maintenance fee and offer the following benefits:

  • Flexibility
  • Tax Savings
  • Control
  • Portability
  • Safety

Certificates

Certificates are a great way to earn safe, guaranteed returns, with a low minimum of $1000 and high dividend rates.

ETFCU Year-End Tax Forms

Year-End Statements

Members who qualify based on dividends earned or mortgage interest paid will receive separate forms before January 31 for tax-reporting purposes. Those holding IRAs, CESAs, and/or HSAs will receive individual IRS reporting forms.

Lending

Visa® Credit Cards

Evansville Teachers Federal Credit Union offers the options you deserve for your personal or business credit card needs.

Take advantage of low rates, local service, and a valuable rewards program. Or, you can opt for an even lower rate. The choice is yours!

Personal Loans

Get the money you need no matter what the reason with a personal loan from ETFCU.

A personal loan requires no collateral, but still offers a low interest rate, comfortable terms, and fast, convenient service.

Auto Loans

Looking for help financing your next vehicle?

At Evansville Teachers Federal Credit Union, we offer all of the features you’re looking for in an auto loan—with no application fee.

Student Loans

Great rates with more than 2000 approved schools across the country.

ETFCU has partnered with Credit Union Student Choice in offering our members a valuable student lending solution!

  • Straightforward terms
  • Lower rates
  • No origination fees
  • Flexible repayment options

Skip-a-Payment

Take a break from your loan payment with Skip-a-Payment!

ETFCU can help you get the extra cash you need by letting you postpone up to two monthly loan payments per year without hurting your credit!

Mortgage Loans

F Purchase p Refinance

Conventional Mortgage

  • Guaranteed low rate
  • Fixed-rate terms from 10- to 30-years
  • Points and no-point options available
  • $500 Visa® gift card at closing*

Lock in a low, fixed rate for the life of your mortgage.

*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

F Purchase p Refinance

Adjustable Rate Mortgage

  • Offers a low initial rate
  • Fixed for an initial term up to 10 years
  • Adjusts annually thereafter
  • $500 Visa® gift card at closing*

Our adjustable rate mortgage programs may help you enjoy a lower rate.
*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

H Build

Construction Loan

  • Convenient one-time close can save you thousands
  • Down payment as low as 5%
  • 9-month construction period
  • Terms up to 30 years
  • Jumbo loan financing available
  • $500 Visa® gift card at closing*

Our construction loan program can make your dream home a reality.
*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

p Refinance

SmartMove Mortgage

  • No closing cost refinance from another financial institution
  • Fixed-rate 10- and 15-year first mortgage options
  • Second mortgage options also available

Have a mortgage elsewhere? Refinance with ETFCU and enjoy no closing costs.

p Refinance

Home Equity

  • Rates as low as 4.000% APR
  • No closing costs, annual fee, or prepayment penalties
  • Interest-only home equity program also available

Need cash for a large expense? Enjoy a great rate when you take advantage of your home’s equity.

F Purchase H Build

Lot Loan

  • Purchase up to 10 acres
  • Payments spread over a 10-year term
  • Low rates, low costs

Whether you plan to build right away or wait, we can help you get started.

F Purchase

Bridge Loan

  • Financing up to 90% of the appraised value
  • Interest-only monthly payments
  • 9-month term
  • Low closing costs

Use your home’s equity as a down payment on your new purchase.

F Purchase p Refinance

Condo Loan

  • Down payments as low as 5%
  • Available for purchase or refinance
  • No closing cost refinance available
  • $500 Visa® gift card at closing*

ETFCU offers programs to help you purchase or refinance your condo.

*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

F Purchase

80/10/10 (No PMI)

  • No PMI—providing you huge monthly savings
  • Down payments as low as 10%
  • A second mortgage will cover 10% of the purchase price
  • $500 Visa® gift card at closing*

Purchase your new home with no PMI.
*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

F Purchase H Build

Turn Key Financing

  • No construction financing needed
  • Rates can be locked up to 6 months
  • One-time rate drop option if market rates decrease
  • Jumbo loan financing available
  • $500 Visa® gift card at closing*

Let the builder of your choice design your perfect home, and ETFCU will take care of your end financing needs.
*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

F Purchase

Freddie Mac Home Possible Advantage

  • Requires only 3% down payment
  • No reserves required
  • Loan rate not dependent on credit score
  • $500 Visa® gift card at closing*

This mortgage program is a great option if you don’t have a large income.
*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

F Purchase p Refinance

Simple Solutions

  • Down payment of only 3%
  • Lower closing costs than an FHA loan—potentially saving you thousands
  • Available in multiple term options
  • $500 Visa® gift card at closing*

Lack a large down payment? ETFCU’s Simple Solutions mortgage program offers considerable benefits versus an FHA loan.
*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

F Purchase

Homeownership Opportunities Program

  • Offers $10,000 in assistance to qualifying low- to middle-income buyers
  • Must be a first-time homebuyer
  • Requires a five-year retention agreement

Assistance is limited. Contact us about the Home Ownership Opportunities program today at (812) 469-9928 or 1-800-800-9271.

F Purchase p Refinance

Physician Loans

  • 100% financing up to $500,000 sales price
  • 90% financing up to $1,000,000 sales price
  • No Private Mortgage Insurance (PMI)
  • $500 Visa® gift card at closing*

This program is available to residents, fellows, new, and established physicians alike.
*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

F Purchase p Refinance

Jumbo Loan

  • Loan amount can exceed the conforming limit of $417,000
  • Available for home purchase or refinance
  • Purchase and refinance options
  • $500 Visa® gift card at closing*

ETFCU’s Jumbo Loan program can help you secure your large mortgage.
*$500 Visa® gift card offer valid on purchases or construction of primary residences only.

F Purchase p Refinance

FHA Loan

  • Down payments as low as 3.5%
  • More lenient requirements for income and credit history
  • Gifts are allowed for down payment and closing costs

Our FHA program can make your dream of home ownership a reality!

F Purchase

USDA Rural Housing Loan

  • $0 down – 100% financing available
  • Small towns, suburbs, and exurbs of major cities qualify
  • Competitive interest rates

Looking for a home outside the city limits? A USDA Rural Housing Loan may be right for you.

F Purchase p Refinance

VA Loans

  • Available with no down payment
  • Fixed-rates available at terms up to 30 years
  • Loan amounts between $50,000–$417,000

The VA loan is available to eligible veterans and active-duty military personnel.

Services

Online Banking

One Place. One Password. All of Your Financial Data.

ETFCU’s free online banking service offers the ultimate account access, control, and security on one simple screen.

Visa® Gift Cards

Visa® Gift Cards Make Ideal Gifts

Looking for the perfect gift? Your family and friends will love Visa® Gift Cards—available now at any ETFCU office for only $2.00 per card!

eStatements

Electronic Statements Are Available for Free to Online Banking Users

Help protect the environment and your account information with eStatements, ETFCU’s free online statement service. With eStatements, your statements are available online anytime.

Prepaid Reloadable Visa® Debit Cards

Use your ETFCU reloadable prepaid card almost anywhere you make purchases, including those made online or by phone. Plus, you will enjoy all the security and protections you expect from a Visa card—including disputed charge resolution, zero liability for fraudulent transactions, and replacement of a lost or stolen card.

Visa® Checkout

Pay online the easier way with Visa Checkout and your ETFCU Visa card.

Visa Checkout offers a quicker and easier checkout on the sites you love to shop, with all the same benefits of your ETFCU debit or credit card.

ScoreCard Rewards

Choose From More than 1,000 Reward Options With ETFCU’s ScoreCard Rewards Program!

You’ll earn valuable points redeemable for brand-name merchandise, cash back, gift cards, or travel with every qualifying purchase you make with your qualifying ETFCU debit or credit card.

Overdraft Protection

Overdraft Protection

ETFCU provides overdraft protection services to ensure you have the purchasing power you deserve whenever and wherever you need it.

FinanceWorks

Take Control of Your Finances

Looking to take control of your finances? When you use ETFCU’s online banking service, you’ll enjoy free access to FinanceWorks—a powerful financial management tool designed to help you keep your financial goals within reach.

Verified by Visa®

Verified by Visa gives you added online security

Help protect your ETFCU Visa® credit or debit card with a password you create, giving you reassurance that only you can see your Visa card online.

Apple Pay

Use Apple Pay™ and your ETFCU debit and credit cards to pay the easy, secure, and private way at hundreds of thousands of stores and participating apps.

Remote Deposit

Make Deposits Anytime, Anywhere with Remote Deposit

Now you are able to deposit checks anytime, from anywhere with remote deposit! This feature of online and mobile banking allows you to deposit a check into your ETFCU account via smart phone, tablet, or computer scanner.

Popmoney and External Transfers

Send money via text or email with Popmoney®

Pay people the easy way with Popmoney®, the personal payment service now available in ETFCU’s online banking service. With Popmoney, you can reimburse friends, split expenses, and more—without the hassle of carrying cash or writing checks.

CO-OP Shared Branch

Access Your Account at Credit Unions Nationwide

If you’re an ETFCU member who travels or lives away from one of our branches, you’ll be pleased to know that the credit union is among thousands of other credit unions all across the country who offer their members more convenience by sharing locations.

IBM Security

ETFCU has partnered with IBM to offer online security software at no cost to our members. Trusteer Rapport is powerful software that helps prevent malware and phishing attacks which are the root cause of most financial fraud.

Sprint Rewards

Sprint Rewards

This new exclusive cash rewards offer from Sprint® is their best offer EVER! Now, as an ETFCU member, you can earn $100 for every line when you switch to Sprint.

Safe Deposit Boxes

Where do you keep your important documents and irreplaceable keepsakes?

You’ll know they’re safe when you store them in a safe deposit box at ETFCU.