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Elko

2397 MOUNTAIN CITY HWY, Elko, NV 89801
NCUA Insured3.0 (53 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1960

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

2397 MOUNTAIN CITY HWY

Elko, NV 89801

Service Area

This credit union is located in Elko and serves members in the NV area. Currently serving 18,534 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

7.22%

Personal Loan

12.31%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NV

Lowest rates currently reported by credit unions in NV (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.0

53 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Lachelle

Lachelle

3 months ago

I rarely post reviews but I would absolutely not recommend going through elko federal credit union for whatever your banking needs may be. Not only was I immediately given the most rude customer service ever but their whole system is about 10 years behind every other bank. From the moment she answered the phone (don’t remember her name but I’m thinking Jessica?) it was nothing but an inconvenience that I had even called. Then she gave me absolutely no information whatsoever to help me. Just an “it’s out of my hands, has nothing to do to me” not even a half assed I’m sorry. If you open a credit card with them apparently the main branch has nothing to do with them. Wish I would’ve known that before opening my account. Pay your bill on time? Well their old system will take two days minimum to process it and if that falls outside of your due date they’ll charge you a late fee. Want to actually get your cash back? Nope. Unless you have a checking or savings account with them they can’t actually transfer you the money or send you a check. You can only put it on a gift card or toward your account balance (that does not count as a payment by the way). Never will I open an actual checking account with them due to the fact that it’s impossible to get into the office if you work a typical 9-5 and you can’t get ahold of them, except on the rare note you call back multiple times and then they’ll treat you like garbage. If you’re like me and thinking it’ll do you good to stay local think again and go with a big name bank or maybe check out the other credit unions.

Desiree Carlyle

Desiree Carlyle

5 months ago

Called to make sure remote deposit was received and correct. EFCU employee said it was. Come to find out, its not correct. They will not push deposit back through on same day. Even though this is half their fault. Will also not put it through on a Saturday even though they are open. Lori left me on hold indefinitely. Erin wasn't willing to even take this to a manager. Tania, manager, wouldn't do anything to correct this. Im fact, she told me to call back Monday to speak to Martha. Don't waste your time here. There are better banks out there. Greater Nevada Bank, Ive been hearing great things about.

The Clown

The Clown

7 months ago

My account got randomly locked while I was out of town called both locations multiple times while they were most certainly open. Have had countless issues with this bank. This was the final straw. Don’t waste your time they will lock you out of your own money then take the day off.

Tony Hughes

Tony Hughes

8 months ago

I've been with them almost 4 years, great service but only problem is have is they are shutdown way too much for holidays. For example, Monday is Columbus day and they are closed saturday. For some of us that work on mine schedules its hard to do business weekdays. The online bill pay is a joke too, then the extra charge to pay online is ridiculouz

Lucien Hagan

Lucien Hagan

2 years ago

Years ago they were great to deal with for loans. Last spring we opened a checking account with them and it was a horrible, stressful relationship! No one knew what they were doing, online or at our local branch! I just couldn't belive how they screwed up our account. I could never get bill pay to work correctly and I wasn't alone wit that issue either.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).