Overview / Commentary
225-214-6800
10719 Airline Hwy
Baton Rouge, LA 70816-4213

EFCU Financial is headquartered in Baton Rouge and is the 6th largest credit union in the state of Louisiana. It is also the 649th largest credit union in the nation. It was established in 1934 and as of June of 2018, it had grown to 99 employees and 40,978 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

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Health

Health Grade Components

Overall
NCUA #13
Year Chartered1934
Employees99
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD10.93%
Annual Interest Income$7.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$406.5MM$382.3MM
LoansQ2 2018vs Q2 2017$350.7MM$329.3MM
DepositsQ2 2018vs Q2 2017$343.2MM$330.8MM
Equity CapitalQ2 2018vs Q2 2017$39.6MM$35.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.1MM$1.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.4MM$812.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$167.00K
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
3.00%$500-84 Month "Super 7" Variable CD
3.00%$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
2.10%$500-39 Month CD
2.10%$100k-39 Month Jumbo CD.
2.00%$500-48 Months CD
1.85%$100k-36 Months Jumbo CD
1.80%$500-26 Month CD
1.80%$100k-26 Month 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
1.50%$500-13 Month CD
1.50%$100k-13 Month Jumbo CD
1.45%$100k-24 Months Jumbo CD
1.35%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-84 Month "Super 7" Variable IRA
3.00%$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
2.10%$500-39 Month IRA
2.10%$100k-39 Month Jumbo IRA
1.95%$100k-36 Months Jumbo IRA
1.85%$500-36 Months IRA
1.80%$500-26 Month IRA
1.80%$100k-26 Month Jumbo 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
1.50%$500-13 Month IRA
1.50%$100k-13 Month Jumbo IRA
1.45%$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 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

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