Credit union · NCUA insured
EFCU Financial
A $1.3B credit union, the 387th largest of 4,329, headquartered in Baton Rouge, LA, with 72,182 members and 8 branches in Louisiana. Best rates: CDs 4.10% and savings 1.00% APY.
EFCU Financial Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#8 of 32 in Baton Rouge, LA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About EFCU Financial
EFCU Financial was founded in 1934 as Stanocola Processing Employee's Federal Credit Union under Federal Charter #13 to serve employees of the Stanocola Processing Plant.
The credit union has proudly served the Greater Baton Rouge community for more than 90 years.
- Headquarters
- 3232 S Sherwood Forest Blvd, Baton Rouge, LA 70816-2218
- NCUA charter
- 13
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- EFCU Financial operates under a community charter encompassing nine parishes: Ascension, East Baton Rouge, East Feliciana, Iberville, Livingston, Pointe Coupee, St. Helena, West Baton Rouge, and West Feliciana.
Cost to join
- Membership is free with no hidden costs to be an EFCU Financial member.
Branches
8 branches in Louisiana
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Louisiana
8 branches
- Monterrey Branch3663 Monterrey Dr, Baton Rouge, LA 70814Directions
- Perkins Branch9210 Perkins Rd, Baton Rouge, LA 70810Directions
- Refinery Main Gate Branch3861 Scenic Hwy, Baton Rouge, LA 70805Directions
- Shenandoah Branch15026 Market St, Baton Rouge, LA 70817Directions
- Denham Springs Branch7822 Magnolia Beach Rd, Denham Springs, LA 70726Directions
- Burnside Branch1508 S Burnside Ave, Gonzales, LA 70737Directions
- Prairieville Branch17235 Old Jefferson Hwy, Prairieville, LA 70769Directions
- Zachary Branch1804 Church St, Zachary, LA 70791Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.72% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.38% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.93% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $102 | $88 | — |
- CapitalNet worth ratio9.72%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.38%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.93%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$102Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of EFCU Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.