Efcu Financial


10719 Airline Hwy
Baton Rouge, LA 70816
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.90% 0.70% →
2-Year CD 1.00% 0.75% →
5-Year CD 1.35% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Efcu Financial is an NCUA insured institution located in Baton Rouge, LA. It was founded in 1934 and has approximately $656.54 millions in assets.

Who can join (Field of Membership)?

Membership is open to anyone who meets one of the following:
1.Persons who live, work, worship or attend school in these nine Louisiana Parishes:
• East Baton Rouge
• West Baton Rouge
• Ascension
• East Feliciana
• West Feliciana
• Iberville
• Livingston
• Point Coupee
• St. Helena
2. Immediate family or household members (limited to spouses, parents, grandparents, children, grandchildren and siblings) of a current EFCU member.
3. Spouse of a person who died while within the field of membership

NCUA Insured Yes / Federally Chartered
Charter Number # # 13
Date Established 1934
Assets $656.54 million
Loans $536.46 million
Deposits $573.33 million
Capital $61.63 million

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.

Deposit Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.75% $10,000 $14,999 Learn More
6 Mo CD
0.85% $100,000 $199,999 Learn More
12 Mo CD
0.80% $10,000 $14,999 Learn More
12 Mo CD
0.90% $100,000 $199,999 Learn More
18 Mo CD
0.85% $10,000 $14,999 Learn More
18 Mo CD
0.95% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
30 Mo CD
0.95% $10,000 $14,999 Learn More
30 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.20% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.35% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.25% $1 $499 Learn MoreShow Less
Checking Rates APY MIN FEE
Rewards Checking 3.01% $0 $0.00 Learn MoreShow Less

Loan Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for EFCU FINANCIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.475% 3.375% 0.75 $3,125 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Efcu Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Efcu Financial Locations

Financial Details

Efcu Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Efcu Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Efcu Financial U.S. Average
6.10% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Efcu Financial had $3,079,506 in non-current loans and $775,256 in owned assets. To cover these potential losses it had $61,629,923 in net worth and $1,592,107 in loans loss reserves. That gives it a Texas Ratio of 6.10%.

Net Worth
Efcu Financial U.S. Average
9.38% 12.20%

Efcu Financial FCU has a net worth of 9.38% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Efcu Financial

Branches and Savings

What is Efcu Financial?

A federal credit union, registered with the NCUA under certificate #13.
Learn more about credit unions here.

Is Efcu Financial FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Efcu Financial is insured by the NCUA.

Who can join Efcu Financial?

Please see Field of Membership information above for information on who is eligible to join.

What are Efcu Financial's share account and share certificate rates?

Efcu Financial's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Efcu Financial?

Efcu Financial has total capital of $61.63 million. Full information on Efcu Financial's financial position is located above.

Who owns Efcu Financial?

Credit Unions are owned by their members.

Where are Efcu Financial branches located?

See branch locations nearby.

Are Efcu Financial ATMs Open 24/7?

Do Efcu Financial ATMs accept cash deposits?

Can Efcu Financial customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Efcu Financial have a mobile app?

Does Efcu Financial have mobile deposit?

Does Efcu Financial have quick pay?

How can Efcu Financial transfer money to other banks or credit unions?

Does Efcu Financial report to credit bureaus?

Does Efcu Financial use Chexsystems?

Does Efcu Financial use Equifax?

What is Efcu Financial's toll free phone number?

What is Efcu Financial's ACH Routing Number?

What is Efcu Financial's SWIFT code?

Where can I find Efcu Financial's wire transfer form?

What is the Efcu Financial address for deposits?

What Products Does Efcu Financial Offer

Does Efcu Financial offer mortgages?

Compare mortgage rates here.

Does Efcu Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Efcu Financial offer auto and RV loans?

Compare auto loan rates here.

Does Efcu Financial offer student loans or personal loans?

Compare personal loan rates here.

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