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 627th largest credit union in the nation. It was established in 1934 and as of September of 2018, it had grown to 103 employees and 41,674 members at 7 locations. EFCU Financial's CD rates are 3X 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.
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Health Grade Components

NCUA #13
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD10.89%
Annual Interest Income$11.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$426.6MM$386.0MM
LoansQ3 2018vs Q3 2017$359.8MM$329.1MM
DepositsQ3 2018vs Q3 2017$357.1MM$321.4MM
Equity CapitalQ3 2018vs Q3 2017$40.8MM$36.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.1MM$1.0MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.2MM$1.8MM
Real Estate OwnedQ3 2018vs Q3 2017$0$167.00K
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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

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

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

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

3.60%$100k-60 Months Jumbo CD
3.50%$500-60 Months CD
3.50%$100k-48 Months Jumbo CD
3.40%$500-48 Months CD
3.40%$100k-36 Months Jumbo CD
3.35%$100k-30 Months Bump Option Jumbo CD
3.30%$500-36 Months CD
3.25%$500-30 Months Bump Option CD
3.10%$100k-24 Months Jumbo CD
3.00%$500-24 Months CD
2.85%$100k-18 Months Jumbo CD
2.75%$500-18 Months CD
2.60%$100k-12 Months Jumbo CD
2.50%$500-12 Months CD
2.10%$100k-6 Months Jumbo CD
2.00%$500-6 Months CD

EFCU Financial IRA Rates

3.70%$100k-60 Months Jumbo IRA
3.60%$500-60 Months IRA
3.60%$100k-48 Months Jumbo IRA
3.50%$500-48 Months IRA
3.50%$100k-36 Months Jumbo IRA
3.45%$100k-30 Months Bump Option Jumbo IRA
3.40%$500-36 Months IRA
3.35%$500-30 Months Bump Option IRA
3.20%$100k-24 Months Jumbo IRA
3.10%$500-24 Months IRA
2.95%$100k-18 Months Jumbo IRA
2.85%$500-18 Months IRA
2.70%$100k-12 Months Jumbo IRA
2.60%$500-12 Months IRA
2.20%$100k-6 Months Jumbo IRA
2.10%$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

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