EFCU Financial

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
3.01%	Reward Checking	Rewards Checking 1.75% - National Average
2.00%	5-year CD	60 Months CD 1.85% - Synchrony Bank 60 Month CD
1.00%	1-year CD	12 Months CD 1.05% - Ally Bank High Yield 12-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 678^th largest credit union in the nation. It was established in 1934 and as of June of 2016, it had grown to 104 employees and 36,363 members at 9 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 is open to those who live, work, worship or attend school in the Louisiana Parishes of East Baton Rouge; West Baton Rouge; Ascension; East Feliciana; West Feliciana; Iberville; Livingston; Point Coupee; St. Helena. Membership is also open to immediate family of existing members.
See current membership details

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Health

A

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #	13
Year Chartered	1934
Employees	104
Primary Regulator

Profit Margin
Return on Assets - YTD	0.59%
Return on Equity - YTD	6.23%
Annual Interest Income	$5.5MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$343.7MM$319.1MM
Loans	Q2 2016vs Q2 2015	$275.3MM$247.5MM
Deposits	Q2 2016vs Q2 2015	$295.2MM$277.1MM
Equity Capital	Q2 2016vs Q2 2015	$32.3MM$30.6MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$736.00K$671.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$431.00K$593.00K
Real Estate Owned	Q2 2016vs Q2 2015	$108.00K$0

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
0.25%	-	-	Roth IRA Flex Account
0.25%	-	-	CESA 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
2.10%	$100k	-	60 Months Jumbo CD
2.00%	$500	-	60 Months CD
2.00%	$500	-	84 Month "Super 7" Variable CD
1.80%	$100k	-	48 Months Jumbo CD
1.70%	$500	-	48 Months CD
1.60%	$100k	-	36 Months Jumbo CD
1.50%	$500	-	36 Months CD
1.45%	$100k	-	30 Months Bump Option Jumbo CD
1.35%	$500	-	30 Months Bump Option CD
1.30%	$100k	-	24 Months Jumbo CD
1.20%	$500	-	24 Months 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
2.20%	$100k	-	60 Months Jumbo IRA
2.10%	$500	-	60 Months IRA
1.90%	$100k	-	48 Months Jumbo IRA
1.80%	$500	-	48 Months IRA
1.70%	$100k	-	36 Months Jumbo IRA
1.60%	$500	-	36 Months IRA
1.55%	$100k	-	30 Months Bump Option Jumbo IRA
1.45%	$500	-	30 Months Bump Option IRA
1.40%	$100k	-	24 Months Jumbo IRA
1.30%	$500	-	24 Months IRA
1.30%	$100k	-	18 Months 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	10719 Airline Hwy	Baton Rouge, LA 70816-4213
Branch Office	1747 Oneal Ln	Baton Rouge, LA 70816-1633
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