EFCU Financial

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.75%	6+ Year CD	84 Month "Super 7" Variable CD 1.69% - National Average
3.01%	Reward Checking	Rewards Checking 1.83% - National Average
2.25%	5-year CD	60 Months CD 2.35% - Synchrony Bank 60 Month CD

View all EFCU Financial rates »

Overview / Commentary

www.efcufinancial.org

225-214-6800

10719 Airline Hwy
Baton Rouge, LA 70816-4213

EFCU Financial is headquartered in Baton Rouge and is the 6^th largest credit union in the state of Louisiana. It is also the 648^th largest credit union in the nation. It was established in 1934 and as of March of 2017, it had grown to 97 employees and 38,114 members at 7 locations. EFCU Financial's CD rates are 22% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in EFCU Financial is open to those who live, work, worship, or attend school in the Louisiana Parishes of Ascension, East Baton Rouge, East Feliciana, Feliciana, Livingston, Point Coupee, St. Helena, West Baton Rouge, or West Iberville. Membership is also open to immediate family of existing members.
See current membership details

Overall
NCUA #	13
Year Chartered	1934
Employees	97
Primary Regulator

Profit Margin
Return on Assets - YTD	0.98%
Return on Equity - YTD	11.03%
Annual Interest Income	$3.2MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$387.7MM$338.5MM
Loans	Q1 2017vs Q1 2016	$312.9MM$265.1MM
Deposits	Q1 2017vs Q1 2016	$336.7MM$290.4MM
Equity Capital	Q1 2017vs Q1 2016	$34.3MM$31.8MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$1.1MM$670.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$371.00K$517.00K
Real Estate Owned	Q1 2017vs Q1 2016	$167.00K$131.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

EFCU Financial Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	-	-	IRA Flex Account
0.20%^*	$10k^*	-	HSA Checking Account
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $10k
0.10%	-	-	Share Savings Account
0.10%	-	-	Business Savings

EFCU Financial Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$50k^*	-	Platinum Money Market Savings
OTHER TIERS: 0.10% → $2,500 - $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $50k

EFCU Financial Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.01%^*	-	$10k	Rewards Checking
OTHER TIERS: 0.50% → $10k+
0.25%^*	$100k^*	-	Business Interest Checking
OTHER TIERS: 0.15% → $5k - $25k \| 0.20% → $25k - $100k

EFCU Financial CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$500	-	84 Month "Super 7" Variable CD
2.75%	$100k	-	84 Month Jumbo "Super 7" Variable CD
2.35%	$100k	-	60 Months Jumbo CD
2.25%	$500	-	60 Months CD
2.10%	$100k	-	48 Months Jumbo CD
2.00%	$500	-	48 Months CD
1.85%	$100k	-	36 Months Jumbo CD
1.75%	$500	-	36 Months CD
1.60%	$100k	-	30 Months Bump Option Jumbo CD
1.50%	$500	-	30 Months Bump Option CD
1.45%	$100k	-	24 Months Jumbo CD
1.35%	$500	-	24 Months CD
1.25%	$500	-	13 Month CD
1.25%	$100k	-	13 Month Jumbo CD
1.20%	$100k	-	18 Months Jumbo CD
1.10%	$500	-	18 Months CD
1.10%	$100k	-	12 Months Jumbo CD
1.00%	$500	-	12 Months CD
0.70%	$100k	-	6 Months Jumbo CD
0.60%	$500	-	6 Months CD

EFCU Financial IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$500	-	84 Month "Super 7" Variable IRA
2.75%	$100k	-	84 Month Jumbo "Super 7" Variable IRA
2.45%	$100k	-	60 Months Jumbo IRA
2.35%	$500	-	60 Months IRA
2.20%	$100k	-	48 Months Jumbo IRA
2.10%	$500	-	48 Months IRA
1.95%	$100k	-	36 Months Jumbo IRA
1.85%	$500	-	36 Months IRA
1.70%	$100k	-	30 Months Bump Option Jumbo IRA
1.60%	$500	-	30 Months Bump Option IRA
1.55%	$100k	-	24 Months Jumbo IRA
1.45%	$500	-	24 Months IRA
1.30%	$100k	-	18 Months Jumbo IRA
1.25%	$500	-	13 Month IRA
1.25%	$100k	-	13 Month Jumbo IRA
1.20%	$500	-	18 Months IRA
1.20%	$100k	-	12 Months Jumbo IRA
1.10%	$500	-	12 Months IRA
0.80%	$100k	-	6 Months Jumbo IRA
0.70%	$500	-	6 Months IRA

Locations

EFCU Financial Locations
Branch Office	7822 Magnolia Beach Rd	Denham Springs, LA 70726
Branch Office	3861 Scenic Hwy	Baton Rouge, LA 70805
Branch Office	15026 Market St	Baton Rouge, LA 70817
Branch Office	1804 Church St	Zachary, LA 70791
Branch Office	1508 S Burnside Ave	Gonzales, LA 70737-4405
Branch Office	17235 Old Jefferson Hwy	Prairieville, LA 70769
Branch Office	3663 Monterrey Dr	Baton Rouge, LA 70814-2920