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Essential FCU

Popular Accounts at this Credit Union

2.50%Reward CheckingKey Checking
0.95%1-year CD12 Month Jumbo Certificate
0.10%SavingsSavings Account

Overview / Commentary
21925 Highway 1
Plaquemine, LA 70764-5132

Essential FCU is headquartered in Plaquemine and is the 7th largest credit union in the state of Louisiana. It is also the 717th largest credit union in the nation. It was established in 1972 and as of June of 2016, it had grown to 111 employees and 28,010 members at 5 locations. Essential FCU has a B+ health rating.

Field of Membership Restrictions

Membership in Essential Federal Credit Union is open to those who live, work, worship or attend school in the parishes of East Baton Rouge, West Baton Rouge, East Feliciana, West Feliciana, Ascension, Livingston, Iberville, Pointe Coupee, and St. Helena.
See current membership details

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Health Grade Components

NCUA #20972
Year Chartered1972
Primary Regulator
Profit Margin
Return on Assets - YTD0.28%
Return on Equity - YTD3.36%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$318.6MM$267.7MM
LoansQ2 2016vs Q2 2015$276.7MM$234.6MM
DepositsQ2 2016vs Q2 2015$271.0MM$222.8MM
Equity CapitalQ2 2016vs Q2 2015$26.3MM$25.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.7MM$1.6MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$3.5MM$2.4MM
Real Estate OwnedQ2 2016vs Q2 2015$90.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Essential FCU Savings Account Rates

0.30%*$20k*-IRA Savings Account
OTHER TIERS: 0.10% $100 - $2k | 0.15% $2k - $5k | 0.20% $5k - $10k | 0.25% $10k - $20k
0.30%*$20k*-CESA Savings Account
OTHER TIERS: 0.10% $100 - $2k | 0.15% $2k - $5k | 0.20% $5k - $10k | 0.25% $10k - $20k
0.30%*$20k*-Roth IRA
OTHER TIERS: 0.10% $100 - $2k | 0.15% $2k - $5k | 0.20% $5k - $10k | 0.25% $10k - $20k
0.15%--Christmas Club
0.15%--Start-Up Account
0.10%--Savings Account

Essential FCU Money Market Rates

0.30%*$25k*-Money Market Account
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $25k

Essential FCU Checking Account Rates

2.50%*-$10kKey Checking
OTHER TIERS: 0.30% $10k+

Essential FCU CD Rates

1.65%$500$10k48 Month Regular Certificate
1.65%$10k-48 Month Jumbo Certificate
1.35%$500$10k36 Month Regular Certificate
1.35%$10k-36 Month Jumbo Certificate
1.15%$500$10k24 Month Regular Certificate
1.15%$10k-24 Month Jumbo Certificate
1.00%$500$10k18 Month Regular Certificate
1.00%$10k-18 Month Jumbo Certificate
0.95%$500$10k12 Month Regular Certificate
0.95%$10k-12 Month Jumbo Certificate
0.85%$500$10k6 Month Regular Certificate
0.85%$10k-6 Month Jumbo Certificate
0.75%$500$10k3 Month Regular Certificate
0.75%$10k-3 Month Jumbo Certificate

Essential FCU IRA Rates

1.65%$10k-48 Month Jumbo IRA Certificate
1.65%$500$10k48 Month Regular IRA Certificate
1.65%$10k-48 Month Jumbo CESA
1.65%$500$10k48 Month Regular CESA
1.35%$10k-36 Month Jumbo IRA Certificate
1.35%$500$10k36 Month Regular IRA Certificate
1.35%$10k-36 Month Jumbo CESA
1.35%$500$10k36 Month Regular CESA
1.15%$10k-24 Month Jumbo IRA Certificate
1.15%$500$10k24 Month Regular IRA Certificate
1.15%$10k-24 Month Jumbo CESA
1.15%$500$10k24 Month Regular CESA
1.00%$10k-18 Month Jumbo IRA Certificate
1.00%$500$10k18 Month Regular IRA Certificate
0.95%$10k-12 Month Jumbo IRA Certificate
0.95%$500$10k12 Month Regular IRA Certificate
0.95%$10k-12 Month Jumbo CESA
0.95%$500$10k12 Month Regular CESA
0.85%$10k-6 Month Jumbo IRA Certificate
0.85%$500$10k6 Month Regular IRA Certificate
0.75%$10k-3 Month Jumbo IRA Certificate
0.75%$500$10k3 Month Regular IRA Certificate

Essential FCU Locations
Branch Office21925 Highway 1Plaquemine, LA 70764-5132
Branch Office6725 Siegen Ln Suite KBaton Rouge, LA 70809
Branch Office1051 N Airline HwyGonzales, LA 70737
Branch Office28645 Walker Rd SWalker, LA 70785-6032
Branch Office10513 Sullivan RdBaton Rouge, LA 70818-4134