EFCU Financial Credit Union

Baton Rouge, Louisiana
Last verified: August 3, 2026
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Verified rate book

Current EFCU Financial Credit Union rates

36 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

2 offers
EFCU Financial Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
10 Year Fixed Balloon Land Loan10 year fixed6.352% APR6.000%—Standard
10-Year Fixed, Land10 year fixed6.510% APR6.000%—Standard

Auto & vehicle rates

19 offers
EFCU Financial Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
New & Used Auto Loanauto_any_36mo5.690% APR5.690%36 mo · anyStandard
Auto Loans - New & Used (2019 - current year)auto_any_36mo5.690% APR5.690%36 mo · anyStandard
Auto Loans - New & Used (2019 & current year)auto_any_63mo5.940% APR5.940%63 mo · anyStandard
New & Used Auto Loanauto_any_63mo5.940% APR5.940%63 mo · anyStandard
Auto Loans - New & Used (2019 & current year)auto_any_75mo6.190% APR6.190%75 mo · anyStandard
New & Used Auto Loanauto_any_75mo6.190% APR6.190%75 mo · anyStandard
Auto Loans - New & Used (2019 & current year)auto_any_79mo6.340% APR6.340%79 mo · anyStandard
Auto Loans - New & Used (under 30,000 miles)auto_any_84mo6.340% APR6.340%84 mo · anyStandard
New & Used Auto Loanauto_any_79mo6.340% APR6.340%79 mo · anyStandard
New Units (min ln amt - $50,000)auto_new_96mo7.240% APR7.240%96 mo · newStandard
Auto Loans - New Unitsauto_new_96mo7.240% APR7.240%96 mo · newStandard
120-Month RV Loan (2025 and Newer)rv_any_120mo8.250% APR8.250%120 moStandard
120-Month Auto Loan (2025)auto_any_120mo8.250% APR8.250%120 moStandard
Recreational Vehicles & Power Sport Machines (2025 - Current Year)rv_any_120mo8.250% APR8.250%120 moStandard
Recreational Vehicles & Power Sport Machines (2022 - 2024)rv_any_120mo8.750% APR8.750%120 moStandard
Recreational Vehicles & Power Sport Machines (2020 - 2021)rv_any_96mo10.750% APR10.750%96 moStandard
96-Month RV Loan (2020 and Newer)rv_any_96mo10.750% APR10.750%96 moStandard
72-Month RV Loan (2019 and Newer)rv_any_72mo11.750% APR11.750%72 moStandard
Recreational Vehicles & Power Sport Machines (2019)rv_any_72mo11.750% APR11.750%72 moStandard

Personal loan rates

3 offers
EFCU Financial Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Shared (savings) secured loanpersonal_secured_60mo2.500% APR2.500%60 moStandard
Shared (savings) secured loanpersonal_secured_120mo3.600% APR3.600%120 moStandard
72-Month Unsecured Personal Loanpersonal_unsecured_72mo11.000% APR11.000%72 moStandard

Credit card rates

1 offer
EFCU Financial Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
MasterCard Credit Card (Fixed Rate Card)credit_card11.000% APR11.000%—Standard

Savings & CD rates

9 offers
EFCU Financial Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Business Savingssavings0.10% APY0.10%—Standard
Savingsshare_savings0.10% APY0.10%—Standard
Platinum Money Market Savingsmoney_market1.00% APY1.00%—Standard
IRA Flexira3.04% APY3.04%—Standard
Platinum Money Market Savingsmoney_market3.56% APY3.56%—Standard
18-Month Certificateshare_certificate_18mo3.65% APY3.65%18 moStandard
36-Month Certificateshare_certificate_36mo3.70% APY3.70%36 moStandard
60-Month Certificateshare_certificate_60mo3.75% APY3.75%60 moStandard
6-Month Certificateshare_certificate_6mo4.00% APY4.00%6 moStandard

Other rates

2 offers
EFCU Financial Credit Union other rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
New & Used (2019 & current year)*other6.340% %6.340%—Standard
New & Used (under 30,000 miles)other6.340% %6.340%—Standard

As of August 3, 2026, EFCU Financial Credit Union offers a 10-year fixed mortgage at 6.352% APR. Vehicle loans available from 5.69% APR for 36 months. Personal loan rates from 2.5% APR. Credit card rates from 11% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from EFCU Financial Credit Union's official website

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About EFCU Financial Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
72.2K
Assets
$1.3B
Founded
1934
Locations reported
9
NCUA charter
13
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

BrecoCorporate Office · Baton Rouge · LA · 70816Branch in the same ZIPFormationMain Office · Baton Rouge · LA · 70816Branch in the same ZIPLa CapitolONeal Ofice · Baton Rouge · LA · 70816-3205Branch in the same ZIPPelicanCorporate Headquarters · Baton Rouge · LA · 70816-3124Branch in the same ZIPLesLES Federal Credit Union · Baton Rouge · LA · 70815About 3.0 miles awayBayouSumma Branch · Baton Rouge · LA · 70809-3678About 3.4 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join EFCU Financial Credit Union

Membership eligibility from EFCU Financial Credit Union's own published criteria. How we verify this.

Membership criteria are published on EFCU Financial Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from EFCU Financial Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does EFCU Financial Credit Union offer?

EFCU Financial Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are EFCU Financial Credit Union rates updated?

RateAPI verifies EFCU Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get EFCU Financial Credit Union's rate data?

Rate data is collected directly from EFCU Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is EFCU Financial Credit Union's mortgage rate?

As of August 3, 2026, EFCU Financial Credit Union offers a 10-year fixed mortgage at 6.352% APR.

What are EFCU Financial Credit Union's auto & rv loan rates?

As of August 3, 2026, EFCU Financial Credit Union offers vehicle loans from 5.69% APR.

What is EFCU Financial Credit Union's personal loan rate?

As of August 3, 2026, EFCU Financial Credit Union offers personal loans from 2.5% APR.

What is EFCU Financial Credit Union's best CD rate?

As of August 3, 2026, EFCU Financial Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare EFCU Financial Credit Union's rates against national credit-union benchmarks.

More Louisiana credit unionsMortgage rate benchmarkAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for EFCU Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/louisiana/efcu-financial" \
  -H "Authorization: Bearer YOUR_API_KEY"
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