EFCU Financial

Overview / Commentary
10719 Airline Hwy
Baton Rouge, LA 70816-4213

EFCU Financial is headquartered in Baton Rouge and is the 5th largest credit union in the state of Louisiana. It is also the 526th largest credit union in the nation. It was established in 1934 and as of December of 2021, it had grown to 115 employees and 55,459 members at 8 locations. EFCU Financial has an A health rating.

Field of Membership Restrictions

Membership in EFCU Financial is open to all U.S. citizens/resident aliens by joining the EFCU Financial Foundation or the Louisiana Wildlife Foundation. Individuals 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 are also eligible to join. Membership is also open to immediate family of existing members.
See current membership details

Reviews (2)


I opened an IRA with the help of Ms. Johnson in the Special Accounts Dept. Great service and competitive rates. Thank you Ms. Johnson! Andrew

Hard (Pull) To Join.

Posted by: |

Yet another land mine to explode in your face when seeking just to become a member. Find another place unless strong reasons exist to join here. The deposit rates might be one and I was tempted until asking about credit check against non-borrowing applicants. WHY are CU's so fortified against the remote possibility that a depositor might cause a problem someday? Applicants already face soft pulls.


Health Grade Components

NCUA #13
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD15.02%
Annual Interest Income$22.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$742.3MM$619.7MM
LoansQ4 2021vs Q4 2020$617.7MM$518.9MM
DepositsQ4 2021vs Q4 2020$649.5MM$539.2MM
Equity CapitalQ4 2021vs Q4 2020$63.0MM$53.1MM
Secondary CapitalQ4 2021vs Q4 2020$5.0MM
Loan Loss AllowanceQ4 2021vs Q4 2020$1.4MM$1.7MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$535.00K$1.4MM
Real Estate OwnedQ4 2021vs Q4 2020$0$709.00K
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Always verify rates and promotions with the bank or credit union. We are not EFCU Financial; we are a rate comparison website and cannot provide official rates or promotions.

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

EFCU Financial Savings Account Rates

0.25%--IRA Flex Account
0.20%*$10k*-HSA Checking Account
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $10k
0.10%$5-Share Savings Account
0.10%$5-Business Savings

EFCU Financial Money Market Rates

0.25%*$50k*-Platinum Money Market Savings
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k

EFCU Financial Checking Account Rates

3.01%*-$10kRewards Checking
OTHER TIERS: 0.25% $10k+
0.25%*$100k*-Business Interest Checking
OTHER TIERS: 0.15% $5k - $25k | 0.20% $25k - $100k

EFCU Financial CD Rates

1.35%$100k-60 Month Jumbo CD
1.25%$500-60 Month CD
1.20%$100k-48 Month Jumbo CD
1.10%$500-48 Month CD
1.10%$100k-36 Month Jumbo CD
1.05%$100k-30 Month Bump Option Jumbo CD
1.00%$500-36 Month CD
1.00%$100k-24 Month Jumbo CD
0.95%$500-30 Month Bump Option CD
0.95%$100k-18 Month Jumbo CD
0.90%$500-24 Month CD
0.90%$100k-12 Month Jumbo CD
0.85%$500-18 Month CD
0.85%$100k-6 Month Jumbo CD
0.80%$500-12 Month CD
0.75%$500-6 Month CD

EFCU Financial IRA Rates

1.45%$100k-60 Month Jumbo IRA
1.35%$500-60 Month IRA
1.30%$100k-48 Month Jumbo IRA
1.20%$500-48 Month IRA
1.20%$100k-36 Month Jumbo IRA
1.15%$100k-30 Month Bump Option Jumbo IRA
1.10%$500-36 Month IRA
1.10%$100k-24 Month Jumbo IRA
1.05%$500-30 Month Bump Option IRA
1.05%$100k-18 Month Jumbo IRA
1.00%$500-24 Month IRA
1.00%$100k-12 Month Jumbo IRA
0.95%$500-18 Month IRA
0.95%$100k-6 Month Jumbo IRA
0.90%$500-12 Month IRA
0.85%$500-6 Month IRA

EFCU Financial Locations
Branch Office7822 Magnolia Beach RdDenham Springs, LA 70726
Branch Office3861 Scenic HwyBaton Rouge, LA 70805
Branch Office15026 Market StBaton Rouge, LA 70817
Branch Office1804 Church StZachary, LA 70791
Branch Office1508 S Burnside AveGonzales, LA 70737-4405
Branch Office17235 Old Jefferson HwyPrairieville, LA 70769
Branch Office3663 Monterrey DrBaton Rouge, LA 70814-2920
Branch Office9210 Perkins RdBaton Rouge, LA 70810

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