Credit union · NCUA insured
EFCU
A $53.2M credit union headquartered in Arvada, CO, with 4,063 members and 1 branch in Colorado. Best rates: CDs 3.98% and savings 1.66% APY.
EFCU Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#17 of 64 in Denver, CO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About EFCU
Electrical Federal Credit Union is based in Arvada, Colorado, and focuses on serving Colorado's labor union community.
- Headquarters
- 5080 W 60th Ave, Arvada, CO 80003-6919
- NCUA charter
- 8701
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with specific partner companies or unions such as Local #577 Plasters and Cement Masons, AFSCME Colorado, or Eaton Metal Products.
- Eligibility is open to individuals affiliated with specified Colorado labor unions or any labor union affiliated with the Colorado AFL-CIO or the Denver Area Labor Federation.
Family and household
- Eligibility is open to family members of an EFCU member.
Cost to join
- A minimum share deposit of $25.00 is required for membership at the time of account opening.
Branches
1 branch in Colorado
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Colorado
1 branch
- Main BranchMain office5080 W 60th Ave, Arvada, CO 80003Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.99% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.75% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.74% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $53 | $59 | — |
- CapitalNet worth ratio12.99%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.75%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$53Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of EFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.