EFCU Financial

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
3.01%	Reward Checking	Rewards Checking 1.82% - National Average
2.00%	5-year CD	60 Months CD 2.25% - Ally Bank High Yield 5 Year CD
1.00%	1-year CD	12 Months CD 1.30% - Barclays 12 Month Online CD

View all EFCU Financial rates »

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 634^th largest credit union in the nation. It was established in 1934 and as of December of 2016, it had grown to 102 employees and 37,409 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 East Baton Rouge; West Baton Rouge; Ascension; East Feliciana; West Feliciana; Iberville; Livingston; Point Coupee; St. Helena. Membership is also open to immediate family of existing members.
See current membership details

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Health

A

Data as of Q4 2016

Learn why bank health matters

Health Grade Components

Overall
NCUA #	13
Year Chartered	1934
Employees	102
Primary Regulator

Profit Margin
Return on Assets - YTD	0.53%
Return on Equity - YTD	6.12%
Annual Interest Income	$11.5MM

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$384.8MM$331.4MM
Loans	Q4 2016vs Q4 2015	$301.7MM$259.6MM
Deposits	Q4 2016vs Q4 2015	$333.6MM$283.9MM
Equity Capital	Q4 2016vs Q4 2015	$33.4MM$31.1MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$1.2MM$628.00K
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$646.00K$683.00K
Real Estate Owned	Q4 2016vs Q4 2015	$0$108.00K

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
0.25%	-	-	Roth IRA Flex Account
0.25%	-	-	CESA Flex Account
0.20%^*	$10k^*	-	HSA Checking Account
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $10k
0.10%	-	-	Share Savings Account
0.10%	-	-	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% → $2,500 - $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
2.25%	$500	-	84 Month "Super 7" Variable CD
2.10%	$100k	-	60 Months Jumbo CD
2.00%	$500	-	60 Months CD
1.80%	$100k	-	48 Months Jumbo CD
1.70%	$500	-	48 Months CD
1.60%	$100k	-	36 Months Jumbo CD
1.50%	$500	-	36 Months CD
1.45%	$100k	-	30 Months Bump Option Jumbo CD
1.35%	$500	-	30 Months Bump Option CD
1.30%	$100k	-	24 Months Jumbo CD
1.20%	$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

APY	MIN	MAX	ACCOUNT NAME
2.20%	$100k	-	60 Months Jumbo IRA
2.10%	$500	-	60 Months IRA
1.90%	$100k	-	48 Months Jumbo IRA
1.80%	$500	-	48 Months IRA
1.70%	$100k	-	36 Months Jumbo IRA
1.60%	$500	-	36 Months IRA
1.55%	$100k	-	30 Months Bump Option Jumbo IRA
1.45%	$500	-	30 Months Bump Option IRA
1.40%	$100k	-	24 Months Jumbo IRA
1.30%	$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 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