Everyone’s Federal Credit Union (EFCU) is a certified CDFI originally established in 1954. EFCU provides a variety of products including saving and checking accounts, car loans, and a new payday loan product to three small, rural communities in eastern New Mexico. EFCU is a NCUA Low-Income Designated credit union. EFCU will use its FY08 Technical Assistance grant to upgrade its member processing system. The upgrade will improve its efficiency and provide members with access to more products and services. The upgrade includes the purchase of new workstations and computers and 13 days of onsite installation and staff training.