Essential Credit Union Gonzales LA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Essential Credit Union, your trusted financial partner located at 1051 N Airline Hwy, Gonzales, LA 70737. Established in 1972, we have proudly served our community for over five decades. With a strong commitment to our members and a total membership of 45,464, we focus on providing personalized services tailored to your needs. At Essential Credit Union, we believe in the power of community. Our total assets stand at an impressive $387,603,255, which enables us to offer various financial products and services designed to empower you. Whether you're looking for a new vehicle loan or planning for your future with savings accounts and mortgages, we've got you covered. Our dedicated team is here to help you navigate your financial journey. Our leadership team is led by CEO Richard Williams and Board President Joey Justice, both of whom are deeply invested in ensuring that our members receive the best possible service. Together with our staff of 109 employees, they work tirelessly to create a welcoming atmosphere where everyone feels valued. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P O Box 738, Plaquemine, LA 70765. With total deposits reaching $7,695,624 and robust lending options that include over 13,469 loans and leases, we are proud to be a pillar of financial support in Gonzales and beyond. Our net worth is currently $35,641,320, reflecting our stability and reliability as a credit union. We invite you to explore what Essential Credit Union has to offer by visiting our website at Essential CU. If you have any questions or need assistance, don't hesitate to call us at (225) 353-8238 during our operating hours from 8:00 AM - 6:30 PM Monday through Friday and 9:00 AM - 2:00 PM on Saturdays. Join us at Essential Credit Union where your financial goals become our mission!

Branch History & Mission

At Essential Credit Union, we take pride in our rich history and unwavering mission to support the financial well-being of our members. Established in 1972, we have been serving the Gonzales community for over five decades, growing alongside our members and adapting to their needs. Our branch, located at 1051 N Airline Hwy, Gonzales, LA 70737, is more than just a place for banking; it's a hub of community engagement and financial empowerment. From our modest beginnings, Essential has evolved into a trusted financial institution with a total membership of 45,464 and assets amounting to an impressive $387,603,255. We remain committed to providing a range of services designed to meet the diverse needs of our community from personal banking solutions like checking and savings accounts to auto loans, mortgage refinancing, and business banking services. Our mission is clear: we aim to enhance the lives of our members by offering accessible financial products while fostering a spirit of community support. Whether you're looking for reliable online banking options or convenient drive-thru services, we prioritize your convenience and satisfaction. In addition to traditional banking services, we embrace technology with features such as mobile payments and person-to-person transfers that make managing your finances easier than ever. While members can visit us at 1051 N Airline Hwy Gonzales La 70737, official correspondence should be sent to P O Box 738, Plaquemine, LA 70765. Our dedicated team operates Monday through Friday from 8:00 AM to 6:30 PM and Saturday from 9:00 AM to 2:00 PM. For any questions or assistance, feel free to reach out at (225) 353-8238. Essential Credit Union is deeply rooted in the Gonzales area, with ongoing partnerships aimed at uplifting our local community through outreach efforts and educational initiatives. We believe that when our members thrive, so does the community as a whole. We invite you to join us on this journey toward financial success and community growth. Explore the benefits of membership with Essential Credit Union today your future is brighter with us by your side!

Branch Location & Accessibility

Accessibility Features

At Essential, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can access our services without any hassle. If you prefer the convenience of banking from your vehicle, we also have a drive-thru service available for quick transactions.

Convenient Access and Nearby Landmarks

Nestled in the heart of Gonzales, we are just a stone's throw away from popular landmarks like the Gonzales City Park and the local shopping centers, making it easy for you to stop by while running errands or enjoying a day out. Whether you're driving or walking, reaching us is simple, and we offer ample parking for your convenience.

Join Us Today!

If you're looking for a credit union that puts its members first, look no further than Essential. Feel free to call us at (225) 353-8238 with any questions or simply drop by during our operating hours. We can't wait to assist you on your financial journey!

Operating Hours and Services Offered

We are open Monday through Friday from 8:00 AM to 6:30 PM and Saturdays from 9:00 AM to 2:00 PM, making it easy for you to find time in your busy schedule to visit us. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our friendly staff is ready to help. Plus, our ATM is always available for quick cash withdrawals and balance checks. While members can visit us at 1051 N Airline Hwy Gonzales La 70737, official correspondence should be sent to P O Box 738 in Plaquemine, LA if needed.

Member Eligibility

At Essential, we believe that joining our community is like becoming part of a family where your financial well-being matters. If you're looking to become a member, we welcome individuals who live, work, worship, or attend school in the Gonzales area. It's our way of ensuring that our services are tailored to those who truly belong here. To learn more about the specific eligibility criteria, you can check out the detailed information on our website at http://www.essentialcu.org/connect/about-essential/membership.html. Getting started with us is simple! You can open an account online by visiting http://www.essentialcu.org/apply-now.html, or feel free to give us a call at (225) 353-8238 if you have any questions or need assistance. We're excited to help you take this step towards better banking and all the benefits that come with being a member of Essential at our location in 1051 N Airline Hwy Gonzales La 70737. Join us today and experience the supportive environment we offer!

Business Banking & Commercial Services

Financing Your Vision

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $55 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $9,817,435, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Managing payments shouldn't be a hassle. Our merchant services simplify transactions, allowing you to focus on what truly matters growing your business. Imagine accepting payments seamlessly from customers while tracking sales effortlessly. This not only enhances customer satisfaction but also streamlines your daily operations. Located at 1051 N Airline Hwy Gonzales La 70737 in Gonzales, LA, we invite you to explore how our tailored solutions can help your business thrive. For more information, give us a call at (225) 353-8238. Let's work together to turn your vision into reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

We also provide easy access to cash through our ATM services. Whether it's making a withdrawal or checking your balance, getting cash has never been easier with our network of ATMs available for your convenience.

Business Banking

If you're a business owner, our business banking services cater specifically to your needs. From merchant services that streamline transactions to business loans designed to help you grow, we're here to support your entrepreneurial journey.

Credit Cards

Consider our credit cards with rewards perfect for those who want to earn while they spend. They provide not just convenience but also benefits that add value every time you make a purchase.

Drive-Thru & Basic Services

For quick transactions like deposits or withdrawals, our basic drive-thru banking service is ideal for busy members who prefer not to come inside. Our friendly staff is ready to assist you with simple transactions efficiently. At Essential, we pride ourselves on being more than just a financial institution; we're part of the community in Gonzales and are always looking for ways to better serve our members' needs. If you're ready to explore how we can help meet your financial goals or have any questions about our offerings, don't hesitate to reach out at (225) 353-8238 or visit us during our operating hours: Monday through Friday from 8:00 AM to 6:30 PM and Saturday from 9:00 AM to 2:00 PM. Join us at Gonzales Frc today! Your journey towards financial success starts here.

Home Financing

For those dreaming of homeownership or seeking to refinance their current mortgage, our mortgage loans offer flexible terms and competitive rates. We take the time to walk you through the process, making it easier than ever to secure your dream home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can access your accounts anytime, anywhere pay bills, transfer funds, or check balances all from the comfort of your home or on-the-go with our mobile app.

Personal Banking

Our personal banking options include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a big purchase or just need a safe place for your everyday cash, we have an account that suits your needs. If you're looking to finance a vehicle, our auto loans and vehicle financing services are straightforward and competitive, ensuring you can get behind the wheel without breaking the bank.

Personal Loans

Need a little extra cash? Our personal loans can help you consolidate debt or cover unexpected expenses. With simple application processes and quick approvals, you won't be left waiting when life throws you a curveball.

Digital & Online Banking

Mobile Banking Made Easy

With our mobile application, banking is even more accessible. Download our app to manage your accounts right from your smartphone. You can deposit checks using electronic signature authorization, view e-statements for easy record-keeping, and even make mobile payments without hassle. Plus, you'll enjoy the peace of mind that comes from knowing your financial information is protected with top-notch security measures.

Online Banking Services

Our online banking platform is available 24/7 at http://www.essentialcu.org/. With just a few clicks, you can check your account balances, review transactions, and transfer funds. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick, allowing you to send cash directly from your account with ease.

Staying in Control

Our services are designed for real-time account management so you can stay on top of your finances effortlessly. From monitoring transactions to setting up alerts for important activities, every tool you need is right at your fingertips. With the convenience of digital banking at Essential, managing your money has never been easier or more secure. Explore all these features today and take control of your financial journey!

Financial Strength

Commitment to Growth

With $32,582,062 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 $3,830 in used auto loans and a total of $314,748,189 in loans and leases.

Growing Member Base

We are proud to serve a growing community with 75,920 total share accounts. This reflects the trust that our members place in us for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Essential is your trusted partner. Visit us at 1051 N Airline Hwy Gonzales La 70737 or call (225) 353-8238 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $62,560,485 in share certificates and $20,365,126 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $69,360,719, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our ability to generate income reflects our operational efficiency. Currently, our $-894,060 enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 109 full-time employees ready to assist you at any time.

Solid Financial Foundation

With a net worth of $35,641,320, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $916 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $92,460,473 in used vehicle loans and $84,583,235 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options can make it easier than ever to drive away with confidence.

Commercial Loans

For business owners, our outstanding commercial loans totaling $9,817,435 provide the capital needed to grow and expand your operations. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,804,918, make buying or refinancing simple. We offer various plans to fit your budget and help you navigate through the process smoothly.

Refinancing Options

If you're considering refinancing any of these loans, our team can guide you through eligibility options that may save you money and simplify payments. Our branch is open from 8:00 AM to 6:30 PM, Monday through Friday, and from 9:00 AM to 2:00 PM on Saturdays. Feel free to call us at 225-353-8238 if you have any questions or need assistance with applying for one of our loan products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you take control of your financial future with confidence!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $0 in loans available right now, our credit cards can help you manage your finances effectively while earning rewards for your purchases.

Loan Aggregator

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Call to Action

Compare real-time loan offers today at LendMesh and find the best rates for your needs. --- Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that all offers displayed are fair and transparent. By using verified data, LendMesh provides a reliable foundation for users to assess their loan options.

Essential