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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 5th largest credit union in the state of Louisiana. It is also the 546th largest credit union in the nation. It was established in 1934 and as of June of 2021, it had grown to 108 employees and 53,556 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. membership through
See current membership details

Related Posts

EFCU Financial Steady CD Rates Have Become Market Leaders - 10/23/2021

EFCU Financial Jumbo CD rates have remained constant for 17 months, becoming more competitive as other CD rates have tumbled. Minimum $100k deposit.

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Health
A

Data as of Q2 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #13
Year Chartered1934
Employees108
Primary Regulator
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD15.63%
Annual Interest Income$10.6MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$687.5MM$599.3MM
LoansQ2 2021vs Q2 2020$558.3MM$474.8MM
DepositsQ2 2021vs Q2 2020$601.4MM$516.7MM
Equity CapitalQ2 2021vs Q2 2020$57.6MM$49.8MM
Secondary CapitalQ2 2021vs Q2 2020$5.0MM
Loan Loss AllowanceQ2 2021vs Q2 2020$1.5MM$1.4MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$570.00K$2.0MM
Real Estate OwnedQ2 2021vs Q2 2020$343.00K$123.00K
Rates
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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

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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