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We're celebrating with special offers and giveaways!


1.85% APR 8-Month Balance Transfer*

July – September 2020

Apply for your new epSMART REWARDS Mastercard® with no annual fee and no balance transfer fee!
Apply Now



New cardholders only. Learn more about epSMART REWARDS Mastercard®.
*APR = Annual Percentage Rate. The 1.85% promotional APR applies to balance transfers made to an epSMART REWARDS Mastercard from a non-EP Federal Credit Union credit card. Purchases and cash advances excluded. Rate is valid for 8 months, after which the introductory period ends, the standard purchase APR applies. Standard variable APR: 7.00% to 18.00%. Approval and rate depend on creditworthiness and other qualifications. The APR will vary with the market based on Prime Rate. Business Mastercard does not qualify for promotion. Available for new cardholders only. Rates, terms and conditions are subject to change without notice. Limited time offer. Other fees may apply such as cash advance fees (2% of the cash advance), foreign transaction fees (1% of each current transaction), late payment fees ($20 per occurrence), returned payment ($25) or other account fees and charges. See Cardholder Agreement.

Monthly Drawing for $85 Gift Card*

July 2020 – March 2021

Each month we'll draw one lucky member to receive an $85 Gift Card!
Did you know your immediate family members are eligible to become members too? Now's the time so they can have a chance to win! Parents, grandparents, siblings, children, including step-families — invite them all to join EPFCU for a lifetime of benefits!
Drawing is open to all current EPFCU members age 18 and over. There will be one drawing for one (1) $85 gift card per month. Drawings will be held on the first day of each month (unless the 1st day falls on a weekend, then the drawing will be held the following business day) from July 1st, 2020 – March 31st, 2021. Winners will be selected at random. Only one prize per member. The winner will be notified and announced within 5 business days of drawing. Winner has the option of collecting their prize at EPFCU’s Main Office or to have the gift card sent via USPS. Winner must arrange to claim prize within thirty (30) days of drawing, otherwise another winner will be selected. EPFCU staff members, Board of Directors, committee members or other volunteers and their family members are not eligible to participate in the drawing.

850 Bonus epSMART REWARDS Points

August – September 2020

Use your epSMART REWARDS Mastercard® any time during August and September to earn 850 bonus points.
Apply Now

Existing or new cardholders. Learn more about epSMART REWARDS Mastercard®.

Stay Tuned!

More Special Offers Will Be Announced This Fall!

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