Do more with your home


Did you know you can use the equity in your home to pay for much more than home repairs? Although it is a great way to make improvements to your home, you can also tap your equity to consolidate your debt, pay for college or other big expenses, use for unexpected emergencies or even to fund a family vacation.

We offer:

  • Competitive rates*
  • Easy repayment schedules
  • Personalized service to help guide you through the process

Do more with your home by applying for your home equity loan. Apply today!

*Rates and terms vary depending on loan-to-value ratio, credit evaluation and underwriting requirements. This is a variable rate loan product. The interest rate you are charged may increase after the loan is closed. All credit union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice.


6 Top budgeting apps to make financial management a breeze

Looking to create a better budget for 2021? You’re not alone! Almost everyone wants to find new ways to organize their finances and finding an app that allows you to do so on your phone is all the better. To follow is a list of free, budgeting apps available on iOS and Android devices.

  1. Mint – Free app that syncs with your accounts to track real-time spending. Add categories, track bills, split transactions, set budgets, and get alerts if you exceed your spending threshold.
  2. EveryDollar – Zero-based budgeting app that helps you track spending and budget for purchases. You can create a transaction each time you spend money to account for it in your budget.
  3. PocketGuard – App that crunches the numbers to show how much money you have available after accounting for bills, spending and savings.
  4. Wally – Helps you track your income and expenses while offering an overview of your remaining budget to help you avoid overspending.
  5. Goodbudget – Based on the envelope system, the app allows multiple devices to access the same account, so you can share a budget with your family and assign money toward spending categories.
  6. Personal Capital – Investment management tool that includes features to help you track your spending. Connect and monitor checking, savings, and credit card accounts, as well as IRAs, 401(k)s, mortgages, and loans.

Get Your Maximum Refund and Special Savings on TurboTax


Getting your biggest possible tax refund has never been easier. From simple to complex taxes, TurboTax® has you covered.

  • Taxes made easy. Just answer questions about  your year, anytime and from any device, and TurboTax fills in all the right forms for you.
  • Real experts standing by. With TurboTax Live, get unlimited advice from tax experts as you do your taxes — or have everything done for you, start to finish.
  • Done right, guaranteed. TurboTax guarantees 100% accurate calculations, so you can be confident your taxes are done right.

Alcon EFCU works with TurboTax to provide special savings for our valued members — get up to $15 off TurboTax federal products. Start today!

Visit for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2020. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice.  Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.


Get your finances into fighting shape with a healthy savings habit!

There’s no better time than the start of a new year to get your finances into fighting shape! And the best way to begin is to boost your savings. Start by socking away a little from each paycheck into the savings account of your choice and watch your total finances take on an improved physique.

Savings Accounts:

  • Dividend Bearing Savings Accounts – Automatically deposit a portion of your check into your savings to create a healthy habit
  • Holiday Club Accounts – Save all year long so you’re ready for the expensive shopping season next year!

Resolve to get your finances into fighting shape this year. Learn more about our savings options today!

Share-worthy benefits!

What’s better than reaping all the benefits of credit union membership? Sharing the wealth with your family members and co-workers!

Share all the credit union benefits you’ve come to love such as the lower interest loans, fewer fees on products and services, greater dividends on savings and unmatched personal service. The benefits – and your family and friends – are worth it!

Encourage all to apply online today!


It’s time to refinance your home.

Mortgage rates are still at all-time lows. If you haven’t refinanced your home yet, now may be the time! Or, if you’re shopping for a new home, we can help with that too.

Our mortgage program offers many benefits including:

  • Competitive rates
  • Conventional, FHA, VA, USDA and other loan types available
  • Fixed and adjustable rate options
  • 10, 15, 25- and 30-year terms

Learn more about our mortgage solutions today!

*All credit union loan programs, rates, terms and conditions are subject to credit approval and may change at any time without notice. Refinance programs do not apply to existing AEFCU mortgage loans.  All rates and terms vary depending on loan-to-value ratio, credit evaluation and underwriting requirements.

Setting goals for 2021

After an exceptionally long and trying 2020, you may be excited to start a brand-new year with new goals and resolutions. Whether you want to reorganize your finances, start a weight loss journey, work toward a career promotion or even set aside more family time, a new year is the perfect time to get started. Use these 4 tips to help you set realistic and achievable goals for 2021!

  1. Make goals measurable – Smart goals need to be repeatedly measurable over short periods of time so you can consistently see that you’re on the right track or identify areas you need to work harder on as time goes by.
  2. Ensure your goals are time-sensitive –Break your goals down into smaller tasks and assign deadlines to each. Focusing on small weekly or monthly goals that build up to a larger annual goal will help you see your progress and keep you motivated throughout the year.
  3. Write down goals & review periodically – Jot down your goals and keep them visible in your everyday space (i.e. taped to your bathroom mirror) so they stay top of mind.
  4. Find a buddy – It helps to have an accountability partner for your goals! Share your goals with a friend or family member who can help you stay the course and keep you motivated.

Preventing Tax-Related Identity Theft

With the dawn of each new year comes the dawn of a new tax season and, unfortunately, the potential threat of tax-related identity theft. This theft occurs when someone steals and uses your personal information to file a tax return claiming a fraudulent refund.

Consider these signs of possible tax-related identity theft from the Internal Revenue Service (IRS) and take action if you think you’ve fallen victim:

  • You receive a letter from the IRS inquiring about a suspicious tax return you didn’t file.
  • You can’t e-file your tax return because of a duplicate Social Security number.
  • You get a tax transcript in the mail that you did not request.
  • You receive an IRS notice that an online account has been created in your name.
  • You receive an IRS notice that your existing online account has been accessed or disabled when you took no action.
  • You get an IRS notice that you owe additional tax or refund offset, or that you have had collection actions taken against you for a year you did not file a tax return.
  • IRS records indicate you received wages or other income from an employer you didn’t work for.

Keep in mind, the IRS will NEVER Initiate contact with taxpayers by email, text, or social media to request personal or financial information; call taxpayers with threats of lawsuits or arrests or call, email, or text to request taxpayers’ Identity Protection PINs.

If you  feel your personal information has been compromised and you’ve become a victim of tax-related identity theft, you have options. For a complete list of action steps and prevention methods, please visit

Halloween Pumpkin Carving Contest

Halloween Contest

Thanks to all participants and voters in our 2020 pumpkin carving contest. And congratulations to Baby Yoda who took home the prize!



New Year’s Day: Friday, January 1, 2021

Martin Luther King, Jr. Day: Monday, January 18, 2021

President’s Day: Monday, February 15, 2021