Products & Services


Savings and Investments:

Modern EFCU offers a variety of Share Savings products to fit your needs, Share, Share Draft Checking, Share, and Christmas Clubs and Youth Accounts.


Competitive rates on: New and Used Vehicle Loans, New and Used Motorcycle, Boats and Recreational Vehicles, Personal Loans, Share Secured and Share Certificate Secured.

Real Estate Loans:

First & Second fixed rate mortgage
Home Equity Line of Credit, Variable Rate.

Insurance Products:

Ask about our GAP coverage for auto loans.

VISA Credit Cards

Rate 11.50% Fixed
Grace Period for repayment of balances for purchases 25 Days
Annual Fee: none
Minimum Finance Charge: none
Late Payment Fee: $20.00
Over the Credit Limit Fee: $20.00
NSF Check Fee $25.00
New or Replacement Card Fee $10.00
Card Recovery Fee $65.00



VISA Debit/ATM Cards
VISA Credit Cards
Payroll Deduction and Direct Deposit
Notary Service
NADA Vehicle Guides
Night Depository
Wire Transfers


Modern Employees
Federal Credit Union

1727 Moseley Street
Owensboro, KY 42303

Phone: 270-685-1025
or 800-685-1332
Fax: 270-685-1380

Hours: Mon. - Fri. 8:30am - 5:00pm


Ordering Checks NADA

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