Efcu Financial Federal Credit Union


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

Notable Rates APY Vs.Others
Savings 0.10% 1.02% →
1-Year CD 0.90% 2.15% →
2-Year CD 1.00% 2.81% →
5-Year CD 1.35% 3.05% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 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 $742.29 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 $742.29 million
Loans $617.75 million
Deposits $649.49 million
Capital $69.00 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 - May 16, 2022

Your Current Location: California, CA 92111

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 - May 16, 2022

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
6.002% 5.875% 0.88 $3,438 $1,479 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

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.

Your Location:
San Diego,California

Efcu Financial Locations

Climate Initiatives

EFCU FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
6.32% 4.85

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 December 31, 2021, Efcu Financial had $4,354,035 in non-current loans and $90,313 in owned assets. To cover these potential losses it had $69,003,895 in net worth and $1,360,789 in loans loss reserves. That gives it a Texas Ratio of 6.32%.

Net Worth
Efcu Financial U.S. Average
9.29% 12.36%

Efcu Financial FCU has a net worth of 9.29% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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