EFCU FINANCIAL

10719 AIRLINE HWY
Baton Rouge, LA 70816

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 13
Date Established 1934
Assets $477.78 million
Loans $395.97 million
Deposits $405.43 million
Capital $45.28 million

Efcu Financial is an NCUA insured institution located in Baton Rouge, LA. It was founded in 1934 and has approximately $477.78 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 - July 23, 2019

Your Current Location: Virginia, VA 20146

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
Fixed IRA Rates APY MIN MAX
3.00% $500 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
2.25% $500 $99,999 Learn MoreShow Less
2.90% $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
Var IRA
0.25% $1 - Learn MoreShow Less

Loan Rates - July 23, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.750% 3.750% 0.00 $2 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

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



Branches

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:
Ashburn,Virginia


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
14.95% 6.77

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, 2019, Efcu Financial had $6,787,643 in non-current loans and $163,474 in owned assets. To cover these potential losses it had $45,283,257 in net worth and $1,208,471 in loans loss reserves. That gives it a Texas Ratio of 14.95%.

Net Worth
Efcu Financial U.S. Average
9.47% 13.47%

Efcu Financial FCU has a net worth of 9.47% versus the BestCashCow average of 13.47. 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. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

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 $45.28 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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