Efcu Financial Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Prairieville Branch	17235 Old Jefferson Hwy, Prairieville, LA 70769	View Lobby Hours
Burnside Branch	1508 S Burnside Ave, Gonzales, LA 70737	View Lobby Hours
Zachary Branch	1804 Church St, Zachary, LA 70791	View Lobby Hours
Refinery Main Gate Branch	3861 Scenic Hwy, Baton Rouge, LA 70805	View Lobby Hours
Market Street Branch	15026 Market St, Baton Rouge, LA 70817	View Lobby Hours
Monterrey Branch	3663 Monterrey Dr, Baton Rouge, LA 70814	View Lobby Hours
Operations Center	10719 Airline Hwy, Baton Rouge, LA 70816	View Lobby Hours
Denham Springs Branch	7822 Magnolia Beach Rd, Denham Springs, LA 70726	View Lobby Hours
O'Neal Branch	1747 Oneal Ln, Baton Rouge, LA 70816	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.470%	6.375%	0.50	$3,203	$1,997	Learn More
NMLS ID: 2578474	6.611%	6.500%	0.88	$3,690	$2,023	Learn More
NMLS ID: 2561451	6.620%	6.490%	0.75	$4,409	$2,021	Learn More
NMLS ID: 118653 License#: CL-118653	6.713%	6.624%	0.88	$2,950	$2,049	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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