2021 E&G EFCU Annual Meeting

E&G Employees FCU will be holding its annual meeting this year on Thursday September 30th at 5:30 PM. The meeting is being held at:

St.Pauls United Methodist Church located at 130 N. Central Ave., Hartsdale, NY

This year for the safety of members, staff and board members, this will be a business meeting only. We felt that serving refreshments as in previous years would not be prudent or safe for those attending.

Please RSVP by calling Gary Gizowski at our Hartsdale office 914-946-6200

We’ve Got Your Back This Holiday Season!

We’ve Got Your Back This Holiday Season!

We know the holidays cost a little more every year — and we know you.

That’s why we’ve crafted these financing solutions to help you save. Each option has its unique benefits for added flexibility. Rates are low, so monthly payments are easier to manage. 

This year, there’s no reason to rely on high-rate department store or bank cards. And you don’t have to worry about coming up short when spreading holiday cheer.  

Buy anything. Shop anywhere!

  • Holiday Loans:

7% APR*

Borrow $700  

Repay in 12 months 

You can use the funds for anything, such as gifts or travel, or to pay off other bills. This offer is your best deal for holiday needs!

Prefer a low-cost credit card? Choose from four options with rates as low as 8.75% APR*:  

  •  This is our lowest possible fixed-rate credit card for members with excellent credit.  
  • This card has the same benefits as our Premier Card, plus members earn points for gifts and travel.
  • Platinum Visa® Classic: A low fixed-rate, no-gimmicks credit card with a great rate. This is a solid choice if you tend to carry a balance.
  • Platinum Visa® Credit Builder: This card is perfect for those starting out or looking to rebuild their credit.  

Once approved, we’ll provide the E&G EFCU Platinum Visa® Credit Card that’s right for you. With our low fixed rates and worldwide acceptance, it will be the only card you’ll want to carry this holiday season!

Apply today:

Click here or call 914-946-6200. We’ll have an answer to you right away! If you decide on the credit card option, you’ll have it delivered in plenty of time for the holidays.   

* APR = Annual Percentage Rate. All rates are subject to change. Qualification rate is based on member’s credit and is determined by E&G Employees FCU after evaluation of credit and approval of member’s application. The rate you qualify for may be higher than the low as rates indicated. All rates subject to change. Other restrictions may apply. Ask for details.

Checking That Just Makes Sense

Forget about fees, minimum balances, and restricted access. When you open an E&G Employees FCU Checking Account, life will be easier!

Nobody likes to pay money to transact business — yet many do. And there’s not a person out there that couldn’t use more hours in the day. At E&G, we share the same struggles! That’s why we’ve developed key services to meet your real-life needs. With us, you’ll save money and have time for more important things, like your family, fun, and relaxation.

There’s no need to pay to transact business. Our Checking Account is free with unlimited transactions! You’ll also enjoy no minimum balance restrictions and free Bill Pay. Funds also earn dividends on balances of $500 or more.

See how easy it is to switch by clicking here. You can open your account online!

  • Carry Your MasterCard® Debit Card.

Pay for goods and services, shop online, and pay bills with your free MasterCard Debit Card. You can also access thousands of surcharge-free ATMs for cash, any time you need it.

  • Rest Easy With Overdraft Protection.*

An optional line-of-credit is available to protect your transactions and prevent the embarrassment of an unwanted overdraft.

  • Then Embrace 24/7 Access.

Our 24/7 convenience services, like free online and mobile banking, let you bank on your terms. There’s never a need to leave home or work to run banking errands. Make transfers, apply for loans, open accounts, pay bills, and monitor transactions whenever convenient for you!Take a load off your mind.

Introducing GrooveCar


As an E&G Employees Federal Credit Union member, we want you to save money on your next car purchase. That’s why we’ve launched GrooveCar, your FREE online auto buying resource!

Using your laptop, tablet, or phone, GrooveCar lets you conveniently shop for a new car online. The site is packed with car information so that you can compare features, pricing, add-ons, mileage, MSRP, and dealer availability. You can also see essential safety ratings and customer reviews. When you do your research ahead of time, you can make honest comparisons, weigh each vehicle’s pros and cons, and not be rushed into a decision.

Once you’ve found the right car, GrooveCar can help you review financing options — including rates, payments, and terms. With just a few keystrokes, see how payments vary based on term and overall vehicle price. You’ll also feel secure knowing you’ve made the right choice when it comes to the loan!

Steps to get started:


Browse by type of vehicle for sale: Sedan, Hatchback, Mini Van, Coupe, SUV, and more…Also, view our car-buying articles, which offer a little of everything for the new car buyer or auto enthusiast.

  • View new and pre-owned car values.

Sort your list by make and model, mileage, price, and monthly payment. You can also keep track of the vehicles you’ve saved for easy reference. When you’re not rushed, GrooveCar is an easy and relaxing way to shop! Consider the examples below.


Access the profile of thousands of pre-owned vehicles right from your screen. Review the models you’re interested in and narrow down your choices. 

For example:

2019 Acura TLX, V6 4dr Sedan w/Advance Package


Mileage: 9,963

Color (EXT): Platinum White Pearl

Stock #: A1910021

VIN: 19UUB2F84KA001073

Vehicle Type: Luxury Compact Sedan

Engine: 3.5L V6

Horsepower: 290hp

Torque: 267ft. lbs.


Fresh off last year’s comprehensive redesign, for 2019 Acura expands its increasingly popular sport appearance package — the V6-powered TLX A-Spec — to include 2.4-liter TLX models. A-Spec adds a sporty character to the 2019 TLX by way of exclusive design elements inside and out, starting with a matte-black diamond pentagon grille surrounded by a dark chrome border, an aggressive lower front fascia with a broad center air opening flanked by round LED fog lights, and a dark appearance for the signature Jewel Eye LED headlights…


Simply enter the make and model to get started on your search! You can build the vehicle you want with the body style, various features, and trim. See how the features you impact the price and look of the car.

For example:

2020 Dodge Charger, AWD SXT 4dr Sedan


Color (INT): Black

Stock #: D7648

VIN: 2C3CDXJG0LH105082

Vehicle Type: Sport Large Sedan


New for 2020, the Dodge Charger SRT Hellcat Widebody — the most powerful and fastest mass-produced sedan in both the world and the Charger lineup — has 707 horsepower, a 0-60 time of 3.6 seconds, and 0.96 g on the skid pad. The Dodge Charger lineup has six distinct models that offer a range of performance and powertrain options for every modern muscle-car customer. The lineup ranges from the efficient V-6 power of the Charger GT RWD performance model and the all-wheel-drive capability of the SXT AWD to the unrivaled performance of the 707-horsepower Charger SRT Hellcat Widebody and the limited-production 717-horsepower Daytona 50th Anniversary Edition…

  • Locate a dealer.

You can choose a dealer from virtually any location — from close to home (i.e., within 25 miles) or anywhere nationwide. You can also connect with any listed dealer right from the site.

  • Obtain CarFax® reports.

These offer invaluable information on a preowned vehicle’s safety record. They’re free as part of GrooveCar.

  • Get a loan.

Here, you can compare your financing options available. Look at your monthly payments, see how a down payment or trade-in impacts your cost and payment, get pre-approved for the financing, or investigate refinancing opportunities for a current vehicle you own.

  • Get affordable insurance coverage.

Choose from an array of insurance products, including TruStage car insurance, which offers valuable insurance at discounted rates.

GrooveCar will help you find the perfect car!

Call us at 914-946-6200 to learn more or go to our GrooveCar site. You can start building your car wish-list right now. You’ll appreciate knowing you found the right car and made the right decision! 

Great New Loan Rates!

Great New Auto Loan Rates

New Lower Auto Loan Rates Lower Auto Rates for Members

We have lowered our Auto Loan rates to the lowest rates in a decade.

We truly value your membership and hope you will consider us first
when financing your next vehicle.

New Vehicles: 

Borrow 100% for up to 84 months at a rate as low as 2.49%*

Used Vehicles:

Borrow 80% for up to 72 months at a rate as low as 2.49%*

Check Out All Our Low Rates
Take an Additional 0.25% Off Most of Our Loans
E&G appreciates the relationship with you, our members. 

In appreciation, we will take an additional 0.25% off any rate you qualify for, when you have checking, Direct Deposit and sign up for Automatic Payments on your loan. 

Please note, mortgages, Visa credit card accounts and Lines of
Credit are excluded.
*All loan rates are based upon member’s credit worthiness at the time of application. Low as rates shown above assume the lowest available rate. Your actual rate may differ from the rates illustrated here. Mortgage loans, Visa and LOC accounts are excluded from the 0.25% relationship discount. All
rates are subject to change without notice.

See www.egefcu.com/ loans/loan-rates/ or call us at (914) 946-6200
for our most current rates.


CEO Update June, 19, 2020

Good Afternoon E&G Membership,

I am pleased to let you know that our Hartsdale office will be opening on Monday, June 22, to in-person lobby transactions. The branch lobby schedule will resume to normal operating status.

Please, upon entering the credit union, follow the instructions on signs placed throughout the credit union to ensure member and employee safety. I wish to point out that, per state orders, all members entering the credit union will be required to wear a face covering – there will be no exceptions allowed. 

Final plans are being made to open the Mount Vernon office as soon as late next week. I will send out another communication when the date is selected.

I want to thank the entire E&G membership for their patience throughout these early stages of the pandemic. Our staff did an impressive job meeting member needs and, as essential workers, have been committed to meeting those needs by continuing their dedicated work since the pandemic started.

Together, this entire organization worked as a single team to get us through what I hope are the most challenging stages of the pandemic.

Garrett R. GizowskiCEO

CEO Membership Update-May 31, 2020

CEO Membership Update-May 31, 2020

We are here for you each and everyday!

Dear Members:

It is nice to see some positive news about the regional economy slowly returning to improved operational conditions. We are actively planning to return to a more normal operating status, with in-person transactions resuming, as appropriate conditions allow. 

While an exact date has yet to be chosen, we expect to begin to allow members into our main office facility in mid-June. 
We will communicate the exact date once it is known. Our team misses our members and looks forward to seeing your (partially covered) faces again!

More importantly, we continue to help members with their borrowing needs each and everyday! 

Whether it be a need for financing a vehicle, purchasing a home, or a personal emergency, we are here to help you in a professional and prompt manner. 

Our staff has done an impressive job serving the membership under stressful circumstances these past several months, so please offer them kind words when you can – they deserve it!

I am happy to announce that, beginning in June, we will have a Facebook page that will be used to communicate with all of you on a more regular basis. You will be the first to know when it goes live so that you can “like” the page and stay informed!

Please refer family members and coworkers to join our growing E&G family – it is easy to apply online! 

I wish everyone the best of health and financial security during these trying times. I will continue to communicate with all of you on a regular basis, through email on our website: www.egefcu.com and on our new FaceBook page soon.

Thank you for your patience and your membership!
Garrett R. GizowskiCEO

Free Financial Counseling & Temporary Change of Hours

Image of a black man and woman at a table looking over papers. and the text over the image reads Affected By COVID-19? Free financial counseling can help.

As COVID-19 spreads in the U.S., people all over the country are beginning to feel its financial ripple effect. If you or a loved one has been financially impacted by the COVID-19 virus, our partners at GreenPath Financial Wellness can help.

A national non-profit, GreenPath offers judgment-free-counseling and advice (free-of-charge) to people facing debt and other issues. 
Whether you are experiencing a temporary disruption to your paycheck, a longer-term income loss from layoff or job loss, or are just worried about your financial future, GreenPath’s NFCC-certified counselors will walk through your whole financial picture and help you identify options that can relieve stress, and make it easier to bounce back. 

For those dealing with debt, GreenPath can also help you to explore options for that may be available to you through your creditors as a response to the COVID-19 crisis, such as reduced late fees or waived penalties.
Counseling from GreenPath is free and 100% confidential. 
To get started, call 1-877-337-3399 or request an appointment online using their call request form.

For additional COVID-19 financial wellness resources, visit GreenPath’s COVID-19 resource page. 

Temporary Staff & Hour Changes

During this challenging time we have instituted some changes in our hours and staffing. They are as follows:

  • Mt. Vernon Staff will be serving members from our Hartsdale Office
  • Hours will be Monday-Friday 9am-4pm, we will not be open until 6pm on Thursday for now.
  • For their safety, our staff will be formed into 2 teams and work on a two day rotation.

Thank you for understanding during this difficult time in our country.

Corona Virus Update-April 10, 2020

Covid-19 Update-April 10, 2020

Updated: 4/10/2020

Dear Members,

As the pandemic continues to take grasp of society as we have known it, your credit union has continued to operate as an essential business on behalf of our member-owners.

We are here for you! 

We have taken steps to protect our employees and members by dividing our staff into two teams, each rotating on a daily basis here in Hartsdale from 9am-4pm daily. 

We appreciate your continued patience!

Our lending team continues to assist our membership with their borrowing needs. You can easily apply for a loan online at www.egefcu.com. We have recently lowered our auto loan rates to their lowest levels in almost ten years, so if you are in the market for a car, now is the time to take advantage of lower financing costs. We also offer low-cost insurance protection products for your car loan. Ask a lending team member for details.

For members who need additional loan payment relief, we are offering a skip-a-payment program. You can review the requirements, and apply online.

Click for Skip A Payment Application

In the interest of our shared safety, members are encouraged to do their banking remotely with our online and phone banking services. 

Your credit union will remain open during regular business hours listed above,, and you may contact us by phone for assistance. You can also continue to utilize the many methods available to conduct transactions remotely as indicated in the earlier email. All electronic services will remain operational during this time. If you do not already have access to home banking, enrollment is conveniently available online: OnLine Banking Self Enrollment
Home banking is available 24/7, and can easily be accessed on any mobile device, in addition to your home computer. Our audio response system is also available 24/7 by calling (914) 946-9218

Of course, you can also use your debit and credit cards to access your available funds, pay for goods and services, or to access cash at an ATM. We offer our members surcharge free ATM withdrawals through our partnership with COOP ATM. You can visit  SURCHARGE FREE/DEPOSITORY ATM Search Link to search for an ATM most convenient to you. 

I wish to remind you that if you need to make a non-electronic deposit, you may continue to do so by using a depository ATM available through the COOP ATM network. You can visit use the link above to search for an ATM most convenient to you, should the need arise. You can search specifically for depository ATMs using this online tool. Using this same ATM search tool, you can easily locate over 50,000 ATMs across the country for your cash needs. These ATMs are surcharge-free to you, E&G members! We continue to stand ready to assist our membership as it faces the many challenges presented by this global pandemic. We will continue to monitor this situation, and will evaluate the need to maintain this status on a daily basis. We hope to return to normal status as soon as it is deemed safe to do so, for the benefit of our members and employees. 

I will continue to communicate with all of you on a regular basis, through email and on our website: www.egefcu.com.

Thank you for your patience. We are in this together.

Garrett R. GizowskiCEO