Essential Credit Union Plaquemine LA | Affordable Vehicle Loans & Personal Banking

Introduction

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!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Our branch has embraced digital advancements to ensure that our members enjoy convenient and secure banking options. With features like online banking, mobile payments, and e-statements available at your fingertips, managing your finances has never been easier. We also ensure that our facilities are ADA compliant so that everyone can access our services comfortably. While members can visit us at our physical location for personal assistance or use our drive-thru service for quick transactions, they can also rely on our ATM availability for cash withdrawals and balance checks whenever they need them.

Join Us

We invite you to be part of the Essential Credit Union family! By choosing us as your financial partner, you're not just gaining a bank; you're becoming part of a community-focused organization committed to your success. For any official correspondence, please send it to P.O. Box 738, Plaquemine, LA 70765. To explore how we can help you reach your financial aspirations or to learn more about membership eligibility, please give us a call at (225) 353-8238 or visit our website at Essential Credit Union. Together, let's build a brighter financial future!

Our Mission

Our mission is simple yet profound: to provide exceptional financial services that empower our members and strengthen our community. We believe in making banking accessible and straightforward for everyone. Whether it's through personal checking and savings accounts, auto loans, or mortgage refinancing, we are committed to helping our members achieve their financial goals. Essential Credit Union also places a strong emphasis on community outreach. We actively engage in local initiatives and partnerships that enrich the lives of those around us. From sponsoring local events to providing financial literacy workshops, we strive to give back to the community that has supported us for over fifty years.

Branch Location & Accessibility

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!

Member Eligibility

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!

Business Banking & Commercial Services

Loan Options That Fuel Growth

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. - 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 Simplify Transactions

Running a business means managing daily transactions smoothly. Our merchant services are designed to streamline payment processing, allowing you to focus on what matters most serving your customers. From card payments to online transactions, we provide the tools you need for efficiency and customer satisfaction. Visit us at 21925 Highway 1 Plaquemine La 70764 in Plaquemine, LA, or call us at (225) 353-8238 to learn more about how we can support your business journey today!

Comprehensive List Of Services

Convenient Access Points

To further enhance your experience, we also provide easy access to cash through our ATM services, where you can perform basic transactions like withdrawals and balance checks without hassle. Plus, our basic drive-thru banking allows for quick deposits and withdrawals when you're on the go.

Credit Cards with Benefits

Don't forget about our credit cards with rewards, which can help you earn points on everyday purchases. It's a smart way to use credit while getting something back in return!

Embracing Digital Banking

In today's fast-paced world, having access to your financial information at your fingertips is essential. That's why we offer robust online and mobile banking services. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, pay bills, and even send money to friends through our person-to-person payment service.

Personal Banking Made Simple

For individuals and families, we offer personal banking solutions like checking and savings accounts that help you manage your daily finances with ease. Need to purchase a car? Our auto loans and vehicle financing options are designed with competitive rates to get you on the road quickly. If you're considering buying a home or refinancing, our mortgage loans provide flexible terms that fit your budget. Additionally, our personal loans can assist with unexpected expenses or debt consolidation, giving you peace of mind.

Supporting Local Businesses

For entrepreneurs, our business banking services include everything from merchant services to tailored business loans that support your growth and success. We understand that running a business is demanding, so we ensure that our banking solutions are straightforward and accessible.

Visit Us Today!

We invite you to stop by our branch located at 21925 Highway 1 Plaquemine La 70764, or give us a call at (225) 353-8238 for any questions regarding our services or how we can assist you better. Our friendly staff is ready to help! Join us at Plaquemine Frc, where community and service come together for all your financial needs.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services available at http://www.essentialcu.org/, you can check your account balance, transfer funds, and pay bills whenever it suits you. Our user-friendly platform ensures that navigating your accounts is straightforward, so you can focus more on what matters to you.

Go Mobile

Our mobile application makes banking even easier. You can make mobile payments right from your phone, check balances, and manage transactions all in one place. Whether you're out shopping or enjoying a day off, your bank is always within reach. At Essential, we believe in providing accessible and easy-to-use banking solutions tailored for your lifestyle. Explore our digital services today at http://www.essentialcu.org/ and experience banking made simple!

Secure and Efficient Transactions

Your security is our top priority. We offer electronic signature authorization, making it easy and safe to complete transactions without the need for physical signatures. Plus, with person-to-person transfers, sending money to friends and family is quick and hassle-free. No more waiting in lines or dealing with cash!

Stay Updated with E-Statements

Say goodbye to paper clutter! Our e-statements feature lets you access your bank statements anytime while helping the environment. You'll receive notifications when your statements are ready, allowing you to stay on top of your finances without the hassle of physical paperwork.

Financial Strength

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer 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. We provide flexible terms and competitive interest rates to ensure that your dream car is within reach.

Credit Lines and Business Loans

For those interested in expanding their business ventures, our credit lines totaling $76,827,612 can provide the necessary funding to take your business to the next level. Additionally, our outstanding commercial loans totaling $9,817,435 are designed specifically for business owners seeking capital to grow and expand their operations.

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. Whether it's your first home or an investment property, our dedicated team is here to guide you through the process and find the best fit for your financial situation.

Refinancing Options

If you're considering refinancing any existing loans, please reach out to us for more information on eligibility options. Our team can help evaluate your current situation and suggest solutions that could save you money over time. For more information about our loan offerings or to discuss which option might be best for you, feel free to contact us at (225) 353-8238 or visit us at our branch located at 21925 Highway 1 Plaquemine La 70764 in Plaquemine, LA. We're here to assist you with all your financial needs! *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This product is ideal for those looking to consolidate debt or cover unexpected expenses without the burden of collateral.

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of LendMesh is its focus on verified data. All loan offers come from legitimate financial institutions, ensuring full transparency in the comparison process. Additionally, LendMesh does not prioritize lenders based on paid promotions this means users receive truly unbiased results when comparing loans. Another significant benefit is the real-time rate comparisons available through LendMesh. Users can access up-to-date loan rates from multiple institutions, which empowers them to make informed choices about their financing options. This feature helps individuals find competitive rates quickly and efficiently. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the platform's effectiveness and reliability in helping consumers secure better loan terms.

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 ensures that users receive fair and transparent offers tailored to their needs. By using only verified data, LendMesh builds trust among its users, knowing they are making informed decisions based on accurate information.

Essential