Credit union · NCUA insured
EFCU Financial Savings Rates
EFCU Financial’s best savings rate is 1.00% APY on $10,000, with its Platinum Money Market Savings. Rates checked October 16, 2026.
How EFCU Financial’s savings rates compare
Compared with banks and credit unions near Baton Rouge, LA, where EFCU Financial has the most branches. $10,000, best rate first.
This credit union’s best
EFCU Financial
1.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $100
Platinum Money Market Savings
Top rate
Baton Rouge Telco FCU
3.85%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Ascension Credit Union
3.60%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $360
EFCU Financial savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0003.56%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where EFCU Financial ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Platinum Money Market Savings
1.00%APY
No monthly service charge regardless of balance. Up to 3 free withdrawals per month with a $25 fee for additional withdrawals. No minimum deposit amount required to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $50,000 | 1.00% | $100 |
| $50,000 and up | 3.56% | — |
Sources (1)
- efcufinancial.org/accounts/per…y-market-savings-account · captured Oct 5, 2026
Share/Savings Account
0.10%APY
Establish full membership to EFCU Financial; must maintain a minimum balance of $5 to qualify and remain a member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Special-purpose accounts
IRA Flex
3.04%APY
Offered for deposits for Traditional or Roth IRAs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.04% | $304 |
Level Up Jr. Youth Savings
0.10%APY
For children ages birth-12 years old; adult must be joint owner; acts as a regular share account and cannot be opened in addition to another regular share account; converts to a Regular Share account at age 13; no excessive withdrawal fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fees.Any balance | 0.10% | $10 | No monthly maintenance fees. |
Sources (2)
- efcufinancial.org/accounts/personal-savings-accounts
- efcufinancial.org/accounts/per…evel-up-jr-youth-savings
All captured Sep 24, 2026
Who can join EFCU Financial
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.
Membership information collected October 5, 2026.