ESSENTIAL CREDIT UNION

Welcome to Essential Credit Union, your trusted financial partner located at 28645 Walker Rd S, Walker, LA 70785. Established in 1972, we have been dedicated to serving our community for over five decades. With a total membership of 45,464 and assets amounting to an impressive $387,603,255, we pride ourselves on fostering strong relationships with our members while providing personalized banking solutions. At Essential Credit Union, we're more than just numbers; we're a community. Our commitment to you goes beyond traditional banking services. We offer a variety of financial products such as personal checking and savings accounts, auto loans, mortgages, and business banking options. With total deposits of $7,695,624 and a net worth of $35,641,320, we are well-equipped to support your financial goals. Our team is led by CEO Richard Williams and Board President Joey Justice, both of whom are passionate about ensuring that your banking experience is smooth and rewarding. Whether you're looking for guidance on loans or need assistance with online banking, our friendly staff is here to help you every step of the way. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: P O Box 738, Plaquemine, LA 70765. If you have any questions or would like to learn more about how we can assist you with your financial journey, don't hesitate to reach out! Give us a call at (225) 353-8238 or visit our website at www.essentialcu.org. Join us today and experience the Essential difference!

Welcome to Essential Credit Union, your friendly neighborhood financial partner located conveniently at 28645 Walker Rd S in beautiful Walker, Louisiana. Our branch is easily accessible and situated near local landmarks, making it simple for you to stop by and manage your banking needs. At Essential, we pride ourselves on offering a welcoming environment for all members. Our branch features ADA-compliant accessibility options, ensuring that everyone can enjoy our services comfortably. For those driving in, you'll find ample parking available right outside our doors, allowing for easy access whether you're visiting for a quick transaction or spending time with one of our knowledgeable staff members. We understand that your time is valuable. That's why we offer flexible operating hours to fit your busy schedule. Our lobby is open from 9:00 AM to 6:00 PM Monday through Friday and from 9:00 AM to 1:00 PM on Saturdays. You can also take advantage of our drive-thru service during these times, perfect for quick deposits or withdrawals without leaving your car. If you're looking for convenient cash access, we've got you covered with an ATM available on-site. We strive to make your banking experience as smooth as possible by providing essential services such as checking and savings accounts, auto loans, mortgage refinancing, and even credit cards with rewards. While members can visit us at 28645 Walker Rd S, official correspondence should be sent to P O Box 738, Plaquemine, LA 70765. Have questions? Don't hesitate to call us at 225-353-8238. Our friendly staff is here to assist you with any inquiries you may have. We look forward to seeing you soon at Essential Credit Union!

Joining the Essential community at Essential is a wonderful step towards enjoying personalized financial services tailored just for you. Becoming a member is simple! If you live, work, worship, or go to school in our local community, you are likely eligible. We warmly welcome individuals and families who share our commitment to building financial well-being together. As a member, you'll gain access to a range of benefits, from competitive loan rates to various savings options that can help you reach your goals. To kickstart your membership journey at Essential, simply visit us at 28645 Walker Rd S Walker La 70785 or give us a call at (225) 353-8238. You can also find all the details about eligibility requirements by visiting our website at http://www.essentialcu.org/connect/about-essential/membership.html . Once you're ready, opening an account is easy! Check out the application process online here: http://www.essentialcu.org/apply-now.html . We're excited to welcome you into our family and support your financial dreams!

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 proud to share our financial strength with you, which reflects our commitment to providing reliable services and support. 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. We also have $32,582,062 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $3,830 in used auto loans and $314,748,189 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $-894,060, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 109 full-time employees who are ready to serve you with a knowledgeable team dedicated to your needs. With total share accounts reaching 75,920, it's clear that more members trust us with their finances every day. This growth is a testament to the confidence our community places 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 28645 Walker Rd S Walker La 70785 or call (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.*

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh helps users navigate the often confusing world of loans. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that the loan offers presented are based on the latest results from institutions that adhere to strict regulations (Source: https://www.ncua.gov ). Users can trust that the information they receive is not only current but also fair and transparent. One of the key benefits of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency at every step. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This approach guarantees that users receive unbiased results, allowing them to make informed decisions without hidden influences. Another significant advantage is the real-time rate comparisons available on LendMesh. Users can access up-to-date loan rates from multiple institutions, enabling them to spot the best offers quickly and efficiently. Thousands of users have already placed their trust in LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to take control of your borrowing options, 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.