Featured Savings Rates
Featured Accounts

Essential FCU

Popular Accounts at this Credit Union

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

Overview / Commentary
225-353-8238
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 687th largest credit union in the nation. It was established in 1972 and as of September of 2016, it had grown to 110 employees and 29,426 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.
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Health
B

Health Grade Components

Overall
NCUA #20972
Year Chartered1972
Employees110
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.51%
Annual Interest Income$10.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$339.9MM$281.7MM
LoansQ3 2016vs Q3 2015$299.5MM$240.0MM
DepositsQ3 2016vs Q3 2015$287.6MM$232.1MM
Equity CapitalQ3 2016vs Q3 2015$25.9MM$25.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$2.3MM$1.6MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$3.3MM$1.8MM
Real Estate OwnedQ3 2016vs Q3 2015$310.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

Essential FCU Checking Account Rates

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

Essential FCU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.75%$500$10k6 Month Regular Certificate
0.75%$10k-6 Month Jumbo Certificate
0.60%$500$10k3 Month Regular Certificate
0.60%$10k-3 Month Jumbo Certificate

Essential FCU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.75%$10k-6 Month Jumbo IRA Certificate
0.75%$500$10k6 Month Regular IRA Certificate
0.60%$10k-3 Month Jumbo IRA Certificate
0.60%$500$10k3 Month Regular IRA Certificate
Locations


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