Efcu Financial Credit Union Baton Rouge LA | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Efcu Financial, your trusted partner in the heart of Baton Rouge, located at 9210 Perkins Rd, Baton Rouge, LA 70810. Since our establishment in 1934, we have been dedicated to serving our community with personalized financial solutions that cater to your unique needs. With a strong commitment to our members, we proudly support over 67,571 individuals and families in their financial journeys. At Efcu Financial, we are proud of our robust financial standing, boasting total assets of $1,125,128,209 and total deposits reaching $85,433,075. Our leadership team, led by CEO Tom Kuslikis and Board President Darrell Langlois, is dedicated to ensuring that every member receives exceptional service and sound financial advice. Whether you're looking for auto loans, mortgage options, or personal banking services, our team is here to help you navigate your financial goals. With over 132 employees, we strive to provide a welcoming environment where you can feel confident about your financial decisions. And while members can visit us at our branch on Perkins Road for all their banking needs, official correspondence should be directed to the same address. Our commitment extends beyond just numbers; it's about building relationships within our community. We believe that everyone deserves access to quality financial services that empower them to thrive. If you're ready to take the next step toward achieving your financial dreams, don't hesitate to reach out! Call us at 225-214-6800 or explore more at Efcu Financial's website. Join us today and discover what it means to be part of a credit union that truly cares!

Branch History & Mission

Our Mission

The mission of Efcu Financial is straightforward yet powerful: to empower our members by providing quality financial services while supporting the communities in which we operate. We believe that everyone deserves access to fair financial products and services that help them achieve their goals. Our commitment extends beyond banking; we actively engage in community outreach efforts to support local initiatives and partnerships. We strive to create a positive impact not just for our members but for everyone in Baton Rouge. While you can visit us at our branch location on Perkins Rd for all your banking needs during our operating hours from Monday to Friday, 8:30 AM to 5:00 PM, official correspondence should be directed to the same address as our mailing address: 9210 Perkins Rd, Baton Rouge, LA 70810. Our drive-thru service ensures you have quick access to your funds without leaving your vehicle. Plus, with ATM availability at our branch and shared service center options for partner credit union members, managing your finances has never been easier. As we look towards the future, we invite you to join Efcu Financial. Experience firsthand how our dedication to member service can make a difference in your financial journey. Together, let's build a stronger community! For more information about membership benefits or to open an account today, visit us at Efcu Financial.

Branch Location & Accessibility

Welcome to Efcu Financial, conveniently located at 9210 Perkins Rd Baton Rouge La 70810 in the heart of beautiful Baton Rouge, LA. Our branch is easily accessible and designed with your convenience in mind. Whether you're visiting us for banking services or just stopping by to chat, we're here to help you every step of the way. As you approach our location, you'll find it nestled near local landmarks that make it easy to remember. Parking is available right outside our doors, ensuring you won't have to walk far. We also take pride in being ADA-compliant, providing ramps and accessible features for all members of our community. Our friendly team is ready to assist you during our operating hours from Monday to Friday, 8:30 AM to 5:00 PM. If you need to reach us outside these hours, feel free to call us at (225) 214-6800 we're always happy to help! For your convenience, we also offer an ATM on-site and a drive-thru service for quick transactions like deposits and withdrawals. Plus, if you're a member of a partner credit union, you can enjoy shared services right here at our branch. While members can visit us at 9210 Perkins Rd Baton Rouge La 70810, official correspondence should be sent to the same address. We invite you to come by and discover how we can support your banking needs today!

Member Eligibility

At Efcu Financial, we believe in building a community where everyone feels welcome and valued. If you're looking to join us, becoming a member is straightforward and inclusive! You can qualify for membership if you live, work, or worship in our service area or have a family member who is already part of our credit union family. We encourage everyone to check out the full eligibility details on our website at http://www.efcufinancial.org/join-us/membership-benefits/. Once you're ready to take the next step, opening an account with us is simple! You can easily start the process online by visiting https://online.efcufinancial.org/auth/enrollment, or if you prefer a personal touch, feel free to give us a call at (225) 214-6800. We're located at 9210 Perkins Rd Baton Rouge La 70810, and our team is here to help you every step of the way. Join us today and enjoy the many benefits that come with being part of the Efcu Financial community!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer practical merchant services that simplify transactions for your business. Whether it's accepting card payments or managing payroll, our tools help streamline your operations so you can focus on what you do best serving your customers. Located at 9210 Perkins Rd Baton Rouge La 70810 in Baton Rouge, LA, we're here to discuss how we can help your business flourish. Give us a call at (225) 214-6800 to learn more about our offerings!

Tailored Loan Solutions

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 your small shop expanding its inventory or your service-based company upgrading its equipment. With our tailored loan solutions, you can turn those dreams into reality.

Comprehensive List Of Services

Additional Services

At Efcu Financial, we also understand that sometimes all you need are basic banking services without the frills. That's why we offer basic drive-thru banking for deposits and withdrawals as well as shared branch transactions for partnered credit union members. If you ever have questions or need assistance, don't hesitate to reach out! Call us at 225-214-6800, and our friendly staff will be more than happy to assist you during our lobby hours from Monday through Friday, 8:30 AM to 5:00 PM. Join us today and discover how Efcu Financial can support your financial journey! For more information about becoming a member or opening an account, visit us online at www.efcufinancial.org. Your future awaits!

Business Banking

For our business members, we offer robust solutions that support your entrepreneurial journey. Our business banking services include merchant services to help facilitate transactions and business loans tailored to meet your operational needs.

Credit Solutions

Managing debt can be overwhelming, but it doesn't have to be. With our personal loans and debt consolidation options, we make it easier for you to regain control of your finances. Plus, enjoy the benefits of our credit cards with rewards, which allow you to earn while you spend perfect for everyday purchases or special occasions.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide comprehensive online and mobile banking services. You can manage your accounts anytime, anywhere whether it's checking balances, making transfers, or paying bills directly from your phone or computer. Our ATM services ensure you have easy access to cash whenever needed.

Personal Banking

Our personal banking services are designed with you in mind. We offer various checking and savings accounts to fit different lifestyles and savings goals. Want to finance that new vehicle? Look no further than our auto loans and vehicle financing options that come with competitive rates tailored just for you. If you're considering purchasing a home or refinancing your current mortgage, our mortgage loans can guide you through the process smoothly.

Digital & Online Banking

Key Features

Security is a top priority for us. Our services include electronic signature authorization, making it quick and secure to sign documents online without the hassle of printing or mailing. You'll also appreciate our e-statements feature, which allows you to view your account statements electronically helping reduce clutter while keeping your information safe. Need to send money to a friend? Our person-to-person transfers make it simple! Just a few taps on your phone or clicks online, and the funds are sent directly to their account. Additionally, if you're a fan of using mobile wallets, our mobile payments feature lets you pay for purchases quickly and safely with just your device. We strive to provide user-friendly experiences that enhance accessibility. Whether you're checking your account balance or making payments, everything is designed with ease of use in mind. With real-time account management at your fingertips, you're always in control of your finances. Experience the convenience and security of digital banking with Efcu Financial today!

Financial Strength

Member Savings Focus

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.

Operational Efficiency

Our operational efficiency is reflected in our current net income of $0, which allows us to focus on providing competitive loan rates and solid financial products for our members. We also take pride in having 132 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for 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.

Solid Financial Health

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.

Strong Member Base

We currently have 119,693 total share accounts, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $234,295 further demonstrate our commitment to supporting your financial needs. 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 9210 Perkins Rd Baton Rouge La 70810 or call 225-214-6800 to learn more about how we can help you achieve your financial goals.

Loan Offering

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, we make it easier for you to drive away with confidence. Whether you're interested in financing a brand-new model or a reliable used car, our team is ready to assist you in finding the best solution for your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $75,318,175, making buying or refinancing simple. We offer competitive rates and flexible terms to fit your unique circumstances. If you're considering refinancing your existing mortgage, we can provide information on eligibility options that might save you money over time.

Unsecured Credit Card Loans

Managing finances effectively can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $9,810,706 in loans helping members handle their expenses with ease. Our credit cards come with various benefits designed to enhance your purchasing power while keeping costs manageable. For business owners seeking capital to grow and expand their ventures, we have commercial loan options available as well. Although currently we have no outstanding commercial loans issued from our branch, we are always here to discuss potential financing solutions tailored for businesses. At Efcu Financial, our goal is to empower you with financial tools that foster growth and stability. For more details about our loan products or assistance with applications, feel free to reach out at 225-214-6800 or visit us during our operating hours from Monday through Friday between 8:30 AM and 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Loan Aggregator

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Efcu Financial