Business Details
50+ Years
experience
Your Trusted Baton Rouge Credit Union
EFCU Financial Federal Credit Union has served the Baton Rouge community since 1949, empowering members' financial well-being through personalized services and community-focused solutions. Our core values of inclusion, integrity, service, and innovation guide every decision, ensuring members receive market-leading products and a best-in-class experience. With over $1.2 billion in assets and 69,000 members, we offer checking, savings, loans, mortgages, and investment services tailored to individual and business needs. Our 24-hour digital banking platform, surcharge-free ATMs across Louisiana, and local branch network provide convenient access to financial tools.As a not-for-profit cooperative, we prioritize members' interests through competitive rates, financial education programs, and community development initiatives. Our strategic growth through acquisitions and branch expansion reflects our commitment to meeting evolving member needs while maintaining financial stability since the Great Depression era. We measure success through member satisfaction, demonstrated by our lifelong relationship model requiring direct deposit, debit/credit card usage, and active account relationships.
Services
Checking Accounts
Savings Solutions
Personal Loans
Mortgage Services
Digital Banking
Details
- Year established: 1949
Highlights and features
- We offer 24/7 digital banking and surcharge-free ATM access across Louisiana
- Our financial education programs help members achieve long-term stability
- Personalized service from locally-based relationship managers
- Not-for-profit structure ensures competitive rates benefit members directly
- Community investment through our EFCU Financial Foundation initiatives
What people say
Exceptional customer service
Competitive interest rates
User-friendly mobile app
Financial education resources
Community involvement
Services
Checking Accounts
EFCU Financial offers multiple checking account options including Level Up Checking with rewards programs and Youth Checking for young members. Accounts feature no monthly maintenance fees, free online bill pay, and mobile check deposit capabilities. Our Platinum Money Market Savings Account provides competitive yields with easy access to funds.
Loan Products
We provide personal loans, auto financing, home equity lines of credit (HELOC), and mortgage solutions with competitive rates. Our HELOC options include no fees and no closing costs for loans under $200k, with flexible repayment terms and online payment options.
Digital Banking
Our 24/7 digital platform includes online banking, mobile app access, eStatements, and mobile check deposit. Members can manage accounts, transfer funds, and access surcharge-free ATMs nationwide through the Allpoint network and CO-OP Shared Branch system.
Investment Services
We offer guided investing options, wealth advisory services, and retirement planning tools including IRAs. Our investment solutions help members grow assets through personalized strategies and professional financial guidance.
Business Banking
Tailored business checking, savings, and lending solutions support local enterprises. Features include business credit cards, merchant services, and specialized financial products designed for Louisiana-based companies of all sizes.
Questions
What loan payment options are available?
We offer online payments, mobile check deposit, branch payments, and automatic transfers for loan servicing.
How can I access my account after hours?
Use our 24/7 online banking portal or mobile app for account access anytime, anywhere.
What investment services do you offer?
We provide guided investing, wealth advisors, and retirement account options including IRAs.
Are there surcharge-free ATMs?
Yes, access 30,000+ surcharge-free ATMs through the Allpoint network and local retail partners.
What business banking solutions exist?
We offer business checking, savings accounts, commercial loans, and merchant processing services.
Videos
Reviews (5)
The Bearded Adventurer
Apr 26, 2021
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Very unorganized and they have very questionable practices.. I do not see them being in business long.
Hayden
Nov 03, 2019
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Literally the worst bank ive EVER encountered. Everytime we go there is a wait when 1 other person is there. I also highly recommend NOT to deal with Tanya White because she can never seem to take care of her end. Dont bank with EFCU!!!
Rachel Abraham Dupont
Sep 15, 2019
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Horrible customer service. Difficult to work with. Dont ever bank here. Came by to use the co OP to pay at other credit union ONLY!!!
Britne Edmonston
Aug 15, 2019
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So thankful for EFCU and their staff! Tonya White at Prairieville is great! We were leaving to go to Disney and my little one wanted pennies and quarters for the penny machines, but it was 4:50. I was so close, but I wasn't going to make it. I called and explained what was going on and Tonya waited for me to get there. I had one happy little boy! Going above and beyond is what they do!
Grant Haydel
Sep 29, 2016
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Takes a while for transaction to go through, so I tend to overdraw my accounts other than that the staff is very good
