EFCU Financial


Overview / Commentary
225-214-6800
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 545th largest credit union in the nation. It was established in 1934 and as of March of 2020, it had grown to 106 employees and 47,346 members at 8 locations. EFCU Financial 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

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Health

Health Grade Components

Overall
NCUA #13
Year Chartered1934
Employees106
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD11.05%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$566.7MM$477.8MM
LoansQ1 2020vs Q1 2019$464.6MM$396.0MM
DepositsQ1 2020vs Q1 2019$486.1MM$405.4MM
Equity CapitalQ1 2020vs Q1 2019$48.8MM$43.6MM
Secondary CapitalQ1 2020vs Q1 2019$5.0MM
Loan Loss AllowanceQ1 2020vs Q1 2019$1.4MM$1.2MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$1.7MM$1.8MM
Real Estate OwnedQ1 2020vs Q1 2019$123.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.01%*-$10kRewards 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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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