Efcu Financial Federal Credit Union
Headquarters
10719 Airline Hwy
Baton Rouge, LA 70816
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2024 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 $1074.74 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 | $1,074.74 million |
| Loans | $977.89 million |
| Deposits | $926.71 million |
| Capital | $105.36 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 - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.35% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.25% | $1 | $499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Rewards Checking | 5.21% | $0 | $0.00 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Efcu Financial
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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:
Columbus,Ohio
Efcu Financial Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 775.83 | A | View Lobby Hours | |
| 776.40 | B | View Lobby Hours | |
| 782.60 | C | View Lobby Hours | |
| 782.69 | D | View Lobby Hours | |
| 784.97 | E | View Lobby Hours | |
| 785.20 | F | View Lobby Hours | |
| 786.47 | G | View Lobby Hours | |
| 789.08 | H | View Lobby Hours | |
| 793.24 | I | View Lobby Hours |
Climate Policy and 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.
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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 |
|---|---|
| 13.44% | 5.83 |
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 June 30, 2024, Efcu Financial had $13,515,875 in non-current loans and $777,035 in owned assets. To cover these potential losses it had $105,358,508 in net worth and $962,653 in loans loss reserves. That gives it a Texas Ratio of 13.44%.
Net Worth
| Efcu Financial | U.S. Average |
|---|---|
| 9.79% | 13.93% |
Efcu Financial FCU has a net worth of 9.79% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Efcu Financial
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