Essential Credit Union
Verified rate book
Current Essential Credit Union rates
5 published offers verified as of August 4, 2026.
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Certificate Securepersonal_secured | 2.000% APR | 2.000% | — | Standard |
| Signature Loanpersonal_unsecured | 9.950% APR | 9.950% | — | Standard |
| Personal Line of Creditploc_variable | 11.990% APR | 11.990% | — | Standard |
Student loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Tuitionstudent | 10.490% APR | 10.490% | — | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Stock Secureother | 7.150% % | 7.150% | — | Standard |
Personal loan rates from 2% APR.
Source: RateAPI.dev, verified from Essential Credit Union's official website
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About Essential Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 31.1K
- Assets
- $429.8M
- Founded
- 1972
- Locations reported
- 7
- NCUA charter
- 68736
- Charter type
- Federally insured state-chartered 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
- Bilingual services
- 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.
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 Essential Credit Union
Membership eligibility from Essential Credit Union's own published criteria. How we verify this.
Membership via the Texas Consumer Council
- LocationEast Baton Rouge, West Baton Rouge, East Feliciana, West Feliciana, Ascension, Livingston, Iberville, Pointe Coupee, St. Helena
- AssociationTexas Consumer Council
Cost to join: About $5.
Verified from Essential Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Essential Credit Union?
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Frequently Asked Questions
What rates does Essential Credit Union offer?
Essential Credit Union currently offers personal loan, and student loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Essential Credit Union rates updated?
RateAPI verifies Essential Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Essential Credit Union's rate data?
Rate data is collected directly from Essential 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 Essential Credit Union's personal loan rate?
As of August 4, 2026, Essential Credit Union offers personal loans from 2% APR.
Related Rate Data
Compare Essential Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Essential Credit Union rates
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# Get rates for Essential Credit Union
curl "https://api.rateapi.dev/credit-unions/louisiana/essential" \
-H "Authorization: Bearer YOUR_API_KEY"