EFCU Financial

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 584^th largest credit union in the nation. It was established in 1934 and as of June of 2019, it had grown to 99 employees and 44,602 members at 8 locations. EFCU Financial's CD rates are 3X 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

24-Month Jumbo Share Certificate, 3.20% APY, $100K - 4/5/2019

The 24-month Share Certificate ($500 minimum) earns 3.10% APY. Available in 9 Louisiana parishes in the Baton Rouge area.

EFCU Financial 48-Month CD Earns Up To 3.50% APY - 3/21/2019

EFCU Financial (LA) is offering a 48-month CD, which earns 3.40% APY ($500 min) or 3.50% APY ($100k min). 48-month IRA earns 3.50% APY ($500) or 3.60% ($100k).

View all posts from:

2019
2017

4/5 - 24-Month Jumbo Share Certificate, 3.20% APY, $100K
3/21 - EFCU Financial 48-Month CD Earns Up To 3.50% APY

7/26 - EFCU Financial (LA) Offers 84-Month Super 7 Variable Rate CD

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Health

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #	13
Year Chartered	1934
Employees	99
Primary Regulator

Profit Margin
Return on Assets - YTD	1.09%
Return on Equity - YTD	11.87%
Annual Interest Income	$9.1MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$500.9MM$406.5MM
Loans	Q2 2019vs Q2 2018	$408.2MM$350.7MM
Deposits	Q2 2019vs Q2 2018	$422.2MM$343.2MM
Equity Capital	Q2 2019vs Q2 2018	$44.9MM$39.6MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.3MM$1.1MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$1.2MM$2.4MM
Real Estate Owned	Q2 2019vs Q2 2018	$0$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
0.20%^*	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

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
3.25%	$100k	-	60 Month Jumbo CD
3.20%	$100k	-	48 Month Jumbo CD
3.15%	$500	-	60 Month CD
3.10%	$500	-	48 Month CD
3.05%	$100k	-	36 Month Jumbo CD
3.00%	$100k	-	30 Month Bump Option Jumbo CD
2.95%	$500	-	36 Month CD
2.95%	$100k	-	24 Month Jumbo CD
2.90%	$500	-	30 Month Bump Option CD
2.85%	$500	-	24 Month CD
2.85%	$100k	-	18 Month Jumbo CD
2.80%	$100k	-	12 Month Jumbo CD
2.75%	$500	-	18 Month CD
2.70%	$500	-	12 Month CD
2.10%	$100k	-	6 Month Jumbo CD
2.00%	$500	-	6 Month CD

EFCU Financial IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.35%	$100k	-	60 Month Jumbo IRA
3.30%	$100k	-	48 Month Jumbo IRA
3.25%	$500	-	60 Month IRA
3.20%	$500	-	48 Month IRA
3.15%	$100k	-	36 Month Jumbo IRA
3.10%	$100k	-	30 Month Bump Option Jumbo IRA
3.05%	$500	-	36 Month IRA
3.05%	$100k	-	24 Month Jumbo IRA
3.00%	$500	-	30 Month Bump Option IRA
2.95%	$500	-	24 Month IRA
2.95%	$100k	-	18 Month Jumbo IRA
2.90%	$100k	-	12 Month Jumbo IRA
2.85%	$500	-	18 Month IRA
2.80%	$500	-	12 Month IRA
2.20%	$100k	-	6 Month Jumbo IRA
2.10%	$500	-	6 Month 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
Branch Office	9208 Perkins Rd	Baton Rouge, LA 70810

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