Baton Rouge, LA 70816


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 13
Date Established 1934
Assets $442.26 million
Loans $382.42 million
Deposits $373.39 million
Capital $43.89 million

Efcu Financial is an NCUA insured institution located in Baton Rouge, LA. It was founded in 1934 and has approximately $442.26 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

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 - April 20, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
2.95% $500 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
2.25% $500 $99,999 Learn MoreShow Less
2.85% $500 $99,999 Learn MoreShow Less
2.95% $500 $99,999 Learn MoreShow Less
3.10% $500 $99,999 Learn MoreShow Less
3.25% $500 $99,999 Learn MoreShow Less
3.30% $500 $99,999 Learn MoreShow Less
3.40% $500 $99,999 Learn MoreShow Less
60 Mo CD
3.50% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $1 - Learn MoreShow Less

Loan Rates - April 20, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.031% 4.000% 0.38 $945 $1,194 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$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
17.86% 7.49

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, 2018, Efcu Financial had $8,039,326 in non-current loans and $9,025 in owned assets. To cover these potential losses it had $43,892,906 in net worth and $1,178,003 in loans loss reserves. That gives it a Texas Ratio of 17.86%.

Net Worth
Efcu Financial U.S. Average
9.92% 13.61%

Efcu Financial FCU has a net worth of 9.92% versus the BestCashCow average of 13.61. 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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