EFCU FINANCIAL is an NCUA-insured credit union located in Baton Rouge, LA. New auto loan rates from 6.99% APR. Google rating: 4.5 out of 5 from 106 reviews.

Efcu Financial

3232 S Sherwood Forest Blvd, Baton Rouge, LA 70816

NCUA Insured4.5 (106 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1934

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

3232 S Sherwood Forest Blvd

Baton Rouge, LA 70816

Google Maps 🗺Waze

(225) 214-6800

Service Area

This credit union is located in Baton Rouge and serves members in the LA area. Currently serving 72,182 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

6.99%

Used Auto Loan

6.99%

Personal Loan

8.00%

Credit Card APR

11.00%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in LA

Lowest rates currently reported by credit unions in LA (NCUA Q1 2026).

Southern Teachers & Parents— New Auto Loan

Baton Rouge, LA

2.49%

Immaculate Heart of Mary— Used Auto Loan

Lafayette, LA

3.50%

Avenue Baptist Brotherhood— Personal Loan

Shreveport, LA

0.60%

Cse— Credit Card APR

Lake Charles, LA

2.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(9 total)

Compare Rates in Baton Rouge

See how EFCU FINANCIAL stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Baton Rouge →Best Personal Loan Rates in Baton Rouge →Best Credit Card Rates in Baton Rouge →All Credit Unions in Baton Rouge →

Member Reviews

4.5

106 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Real Talk Reviews

5 months ago

The employees at the Perkins Road EFCU location are absolutely stellar—friendly, professional, and always willing to help. Unfortunately, the same cannot be said for the underwriting department. I applied for a HELOC, and after initially approving it, they requested documentation, which I promptly provided. Then, without warning, they reversed the approval, claiming my home is "unlivable." My home is not abandoned, neglected, or uninhabitable—it is simply 60% through a renovation. I own the property outright, yet they still found a reason to decline my application. It’s frustrating to see such a drastic disconnect between the branch staff’s excellence and the underwriting department’s rigid, unreasonable handling of applications.

Cam S

6 months ago

I hate this credit union and their website. Worst I've dealt with so far. They make everything a chore. They called me giving me grief for missing a payment too, except I had made the payment electronically and they just didn't post it. Is this who you want handling your finances? I hope they sell my loan off to a real financial institution soon.

B -MAT TRUCKING LLC

2 months ago

The phone system is a nightmare: The employees is worst They can’t give you can give you a balance The system tells me I need an access code there is none . It like spinning your wheels round and round. I am getting rid of this I thought they were good- nope.

Joyce James

a year ago

I am always impressed by the level of exceptional customer service, i receive at the perkins road EFCU branch. From the moment you walk in you are greeted with a smile and welcome to EFCU. Alexis and her team of tellers work in sync to accommodate you as a customer. The branch office is clean and the environment is welcoming. I am a satisfied member .

ItIsLivid

a year ago

I was originally with First Horizon Financial, however after witnessing things from the lobby that were happening on the back end I decided to move banks. Ever since I have moved banks, it has been phenomenal. Dominique and Alexis have both been extremely attentive to my financial needs. They do a very quick and accurate job any time I need assistance. I will definitely be using the Perkins Branch for years to come.