Efcu Financial Credit Union Baton Rouge LA | Best Auto Loans & Business Banking

Introduction

Welcome to Efcu Financial, your trusted partner in financial growth and community support, located at 3861 Scenic Hwy, Baton Rouge, LA 70805. Since our establishment in 1934, we have proudly served our members with dedication and care. With a robust membership of over 67,571, we are committed to providing exceptional services tailored to meet your financial needs. At Efcu Financial, we understand the importance of trust when it comes to managing your finances. Our total assets exceed an impressive $1,125,128,209, ensuring that we have the resources necessary to support you on your financial journey. Whether you're looking for personal banking solutions, auto loans, or business financing options, we've got you covered with over 37,060 loans and leases available for our members. Community impact is at the heart of what we do. We believe in empowering our members by offering competitive rates and personalized service. Our dedicated team of 132 employees, led by CEO Tom Kuslikis and Board President Darrell Langlois, is always ready to assist you. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 3861 Scenic Hwy, Baton Rouge, LA 70805. For inquiries or assistance, feel free to reach out at 225-214-6800 or explore more about us online at efcufinancial.org. Join us as we continue to foster financial well-being in our community. Your journey towards better banking starts here!

Branch History & Mission

Join Us

As we look towards the future, we invite you to be part of the Efcu Financial family. Whether you're looking for your first account or seeking new ways to grow your wealth, we're here for you every step of the way. Experience the difference with us today! For more information on membership benefits or how to open an account, please visit our website. Join us on this journey toward financial wellness!

Our Journey

From our humble beginnings, Efcu Financial has consistently focused on providing exceptional financial services. We have built strong relationships with our members by prioritizing their financial well-being and offering products tailored to their unique situations. As we evolved, we embraced modern technology to enhance our offerings, including online banking and mobile payment options, ensuring our members can manage their finances conveniently and securely. Our commitment to accessibility is evident in our operational hours, from Monday to Friday, 8:30 AM to 5:00 PM. While we do not have a drive-thru service at this location, we are proud to offer ATM availability for quick cash withdrawals and balance checks.

Our Mission

The mission of Efcu Financial goes beyond just banking; it's about building a stronger community. We strive to empower our members through education and support while promoting financial literacy. Our goal is to provide personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards that cater to every aspect of life. We believe in giving back as much as we take. Through partnerships with local organizations and community outreach efforts, we work tirelessly to create positive change in Baton Rouge and beyond. For official correspondence or inquiries, please reach out via phone at 225-214-6800 or visit us at our branch address mentioned above.

Branch Location & Accessibility

A Convenient Spot for Everyone

At Efcu Financial, we understand how important accessibility is for our members. Our branch offers ample parking and features designed to accommodate everyone, including ADA-compliant ramps for those with mobility challenges. Whether you're stopping by for personal banking or exploring our loan options, we strive to provide a welcoming environment for all.

Get in Touch!

If you have any questions or need assistance before your visit, feel free to call us at 225-214-6800. We invite you to stop by Efcu Financial at 3861 Scenic Hwy in Baton Rouge soon! Remember, while members can visit us at this address for all their banking needs, official correspondence should be sent to the same location: 3861 Scenic Hwy, Baton Rouge, LA 70805. We look forward to serving you!

Your Banking Needs, Met with Ease

Our lobby hours are Monday through Friday from 8:30 AM to 5:00 PM, making it easy for you to fit banking into your busy schedule. Whether you're looking to open a checking account, secure an auto loan, or inquire about our credit card options with rewards, our knowledgeable staff is here to assist you every step of the way. For those on the go, we also offer ATM services right at our location. While we don't have drive-thru banking available at this branch, our ATM allows you to withdraw cash and check your balance quickly and efficiently.

Member Eligibility

At Efcu Financial, we believe in creating a welcoming community where everyone can thrive. Joining us as a member is simple and rewarding! If you live, work, or attend school in the Baton Rouge area, you're likely eligible to become part of our family. We proudly serve those who are looking for a supportive financial partner, and we're excited to help you reach your goals. You can find more details about the eligibility criteria by visiting this link. Becoming a member at Efcu Financial means gaining access to a variety of benefits tailored just for you, from competitive loan rates to personalized banking services. Opening an account is straightforward just visit us at 3861 Scenic Hwy Baton Rouge La 70805, or check out our online account opening process here. If you have any questions, don't hesitate to give us a call at (225) 214-6800. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. Imagine having the resources to take your business to the next level. With our tailored loan options, you can invest in equipment, expand your workspace, or boost your inventory whatever it takes to reach your goals.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. This means you can focus on what you do best while we handle transactions smoothly and securely. Picture this: a customer walks into your shop, makes a purchase, and pays effortlessly thanks to our reliable payment solutions. Located at 3861 Scenic Hwy Baton Rouge La 70805 in Baton Rouge, LA, we're just a call away at (225) 214-6800. Let us partner with you on your journey toward success!

Comprehensive List Of Services

Embracing Digital Convenience

In today's fast-paced world, convenience is key. That's why at Refinery Main Gate Branch, we prioritize digital banking features. With our online and mobile banking platforms, managing your finances has never been easier. You can check balances, transfer funds, and pay bills all from the palm of your hand! Our members also enjoy access to ATMs for cash withdrawals and balance checks whenever needed.

Get Started Today!

Are you ready to explore what Efcu Financial has to offer? With our commitment to exceptional service and diverse financial solutions, we're here to help you succeed financially. Don't hesitate to reach out by calling us at (225) 214-6800 or visit us during our lobby hours from Monday through Friday, 8:30 AM - 5:00 PM. Join us today and take control of your financial future!

Loans Made Easy

We understand that life can sometimes bring unexpected expenses. That's why we offer personal loans and debt consolidation options to help you get back on track without breaking the bank. Our credit cards with rewards allow you to earn benefits as you spend, making everyday purchases even more rewarding. For small business owners, we offer comprehensive business banking solutions including merchant services and business loans. This means you can focus on growing your business while we handle the financial side.

Personal Banking Solutions

One of the cornerstones of our offerings is personal banking. We provide various checking and savings accounts designed to help you save money and manage your day-to-day expenses effectively. Imagine having a checking account that offers easy access to your funds while also earning interest on your savings. That's exactly what we aim for! If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it simple and affordable. Picture driving away in your dream car with a loan that fits your budget. Moreover, if you're thinking about buying a home or refinancing your current mortgage, our mortgage loans come with competitive rates and personalized assistance throughout the process.

Digital & Online Banking

Key Services

Our online banking service is available 24/7, allowing you to check your account balance, pay bills, and transfer money whenever it suits you. Whether you're at home or on the go, you can stay connected to your accounts in real-time. Need to send money quickly? Our person-to-person transfer feature makes it simple to send funds to friends or family without any hassle. Plus, with mobile payments enabled, you can make purchases right from your smartphone, ensuring you're always prepared. For those who prefer going paperless, e-statements are available for easy access to your financial documents. You can view and download them anytime, reducing clutter while keeping everything organized.

Security and Accessibility

Your security is our top priority. At Efcu Financial, we utilize electronic signature authorization for an added layer of protection when conducting transactions online. This means you can complete important paperwork securely from anywhere. If you're always on the move, our mobile application brings all these features directly to your pocket. With a user-friendly interface, accessing your accounts has never been more straightforward. From checking balances to transferring funds, everything is just a tap away. In summary, our digital and online banking services at Efcu Financial are designed to enhance your banking experience by providing accessibility, ease of use, and robust security measures. Start managing your finances today by visiting us at https://www.efcufinancial.org/ !

Financial Strength

Commitment to Growth

With $91,421,590 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $12,538 in used auto loans and a total of $990,240,146 in loans and leases available.

Member Trust

Total share accounts stand at 119,693, showcasing a strong and growing member base that trusts us with their finances. Additionally, our net shares available for lending and investments amount to $234,295, further demonstrating our commitment to maintaining robust resources for our members. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Efcu Financial is your trusted partner. Visit us at 3861 Scenic Hwy Baton Rouge La 70805 or call 225-214-6800 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.*

Operational Efficiency

Our operational efficiency is reflected in our net income of $0 this period; we remain focused on optimizing our offerings for you. We also take pride in having 132 full-time employees ready to serve you with knowledgeable support and commitment.

Secure Savings Options

Members' savings are secured through $491,821,406 in share certificates and $26,546,093 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $82,977,178, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Foundation

With a net worth of $107,948,008, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 958 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This stability reassures our members that their finances are in good hands.

Loan Offering

Additional Financing Options

If you're considering expanding your business, our outstanding commercial loans provide the capital needed to grow and expand. While currently we have no outstanding commercial loans available, we continually assess opportunities to assist local businesses in our community. At Efcu Financial, we are committed to providing personalized service and support throughout your borrowing journey. If you're interested in refinancing options or checking eligibility for any of our loan products, please don't hesitate to reach out. You can contact us at (225) 214-6800 or visit us at our branch located at 3861 Scenic Hwy Baton Rouge La 70805 in Baton Rouge, LA. Explore how our loan offerings can help you achieve your financial aspirations today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $298,715,423 in used vehicle loans and $291,694,348 in new vehicle loans already helping members get on the road. Whether you prefer a brand-new vehicle or a reliable used car, our financing options make it easy for you to drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $75,318,175, make buying or refinancing simple. We provide competitive rates and flexible terms to help you secure the home of your dreams while keeping your budget in check.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,810,706 in loans helping members manage their finances effectively. Our credit cards come with rewards and no hidden fees, giving you more value every time you use them.

Loan Aggregator

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EFCU FINANCIAL FEDERAL CREDIT UNION - Baton Rouge, LA