ESSENTIAL CREDIT UNION - Plaquemine, LA

Welcome to Essential, your trusted credit union located at 21925 Highway 1, Plaquemine, LA 70764. Since our establishment in 1972, we have been dedicated to serving the financial needs of our community with a personal touch. With a strong membership base of 45,464 members and total assets reaching an impressive $387,603,255, we pride ourselves on being more than just a financial institution; we are your partners in achieving your financial goals. At Essential, we understand that every member's journey is unique. Whether you're looking for a reliable savings account, seeking financing for your dream vehicle, or needing assistance with business loans, we are here to help. Our commitment is reflected in our robust loan portfolio, which includes 13,469 loans and leases tailored to meet the diverse needs of our community. Additionally, our total deposits stand at $7,695,624, showcasing the trust our members place in us. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: P O Box 738, Plaquemine, LA 70765. Our leadership team is dedicated to fostering a welcoming environment. Under the guidance of CEO Richard Williams and Board President Joey Justice, we strive to create positive experiences for all members. Our team of 109 employees is committed to providing exceptional service and support. Ready to take control of your financial future? Give us a call at (225) 353-8238 or visit us online at Essential Credit Union to explore our wide range of services including personal banking options and convenient online tools designed just for you. Join us today and experience the Essential difference!

Welcome to Essential Credit Union, your friendly financial partner located at 21925 Highway 1 in the heart of Plaquemine, Louisiana. We are conveniently situated near local landmarks, making it easy for you to stop by and meet your banking needs. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking to ensure that all our members can visit us comfortably. While you can reach us directly at our branch address, official correspondence should be sent to P O Box 738, Plaquemine, LA 70765. Our operating hours are crafted to fit your busy schedule: we're open Monday through Friday from 8:00 AM to 6:30 PM, and on Saturdays from 9:00 AM to 2:00 PM. Whether you're looking to open a new account or discuss loan options, our dedicated staff is here to help you every step of the way. At Essential Credit Union, we offer a variety of services tailored just for you. Enjoy the convenience of our ATM availability for quick cash withdrawals and balance checks. If you're in a hurry, take advantage of our drive-thru banking services for deposits and simple transactions without leaving your vehicle. We believe in making banking easy and accessible. So why not stop by? If you have any questions or want more information before your visit, feel free to give us a call at 225-353-8238. We look forward to seeing you soon!

Becoming a member of Essential is like joining a close-knit family where your financial well-being is our top priority. If you live, work, worship, or attend school in the Plaquemine area, you're likely eligible to join us! We welcome individuals from various walks of life, and our doors are open to anyone who shares our commitment to community and support. The benefits of membership extend beyond just banking services; you'll gain access to competitive rates on loans, personalized service, and a suite of financial products designed with you in mind. To get started on your journey with us at Essential, simply visit our eligibility page for more detailed information: http://www.essentialcu.org/connect/about-essential/membership.html . When you're ready to open an account, it's as easy as clicking this link: http://www.essentialcu.org/apply-now.html . If you have any questions or need assistance along the way, feel free to give us a call at (225) 353-8238. We can't wait to welcome you into our community at 21925 Highway 1 Plaquemine La 70764!

At Essential, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing a safe and reliable banking experience to everyone who walks through our doors. 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. 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. 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 $38,830 in used auto loans and a total of $314,748,189 in loans and leases. While our recent net income shows a loss of $894,060, it reflects the challenges faced during these times. However, it also highlights our commitment to making strategic decisions that benefit our community in the long run. We have 109 full-time employees ready to assist you with any needs you may have. Total Share Accounts stand at an impressive 75,920, demonstrating the trust our growing member base has placed in us. 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 21925 Highway 1 Plaquemine La 70764 or call us at 225-353-8238 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.