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 5^th largest credit union in the state of Louisiana. It is also the 552^nd largest credit union in the nation. It was established in 1934 and as of December of 2019, it had grown to 107 employees and 46,061 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

EFCU Financial 12-Month Jumbo CD Earns 2.25% APY - 1/13/2020

EFCU Financial's (LA) 12-month Jumbo CD earns 2.25% APY, with the 12-month Jumbo IRA earning 2.35% APY. Minimum opening deposit is $100k.

View all posts from:

2020
2019
2017

1/13 - EFCU Financial 12-Month Jumbo CD Earns 2.25% APY

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 Q4 2019

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Health Grade Components

Overall
NCUA #	13
Year Chartered	1934
Employees	107
Primary Regulator

Profit Margin
Return on Assets - YTD	0.97%
Return on Equity - YTD	10.82%
Annual Interest Income	$19.2MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$540.8MM$442.3MM
Loans	Q4 2019vs Q4 2018	$438.5MM$382.4MM
Deposits	Q4 2019vs Q4 2018	$464.1MM$373.4MM
Equity Capital	Q4 2019vs Q4 2018	$47.4MM$42.2MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$1.4MM$1.2MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$1.9MM$2.4MM
Real Estate Owned	Q4 2019vs Q4 2018	$38.00K$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
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

APY	MIN	MAX	ACCOUNT NAME
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 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	9210 Perkins Rd	Baton Rouge, LA 70810

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