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EFCU Financial

Popular Accounts at this Credit Union

3.01%Reward CheckingRewards Checking
2.00%5-year CD60 Months CD
1.00%1-year CD12 Months CD

Overview / Commentary
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 634th 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 Grade Components

NCUA #13
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD6.12%
Annual Interest Income$11.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$384.8MM$331.4MM
LoansQ4 2016vs Q4 2015$301.7MM$259.6MM
DepositsQ4 2016vs Q4 2015$333.6MM$283.9MM
Equity CapitalQ4 2016vs Q4 2015$33.4MM$31.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.2MM$628.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$646.00K$683.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$108.00K
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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

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

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

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

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

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

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