Deposit Accounts

Saving Accounts

Saving is uncomplicated with Essential FCU. We offer a variety of savings options for every savings goal. Plus, enjoy easy online, mobile and telephone banking access to your account 24/7 and the security of being NCUA insured.

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Checking Accounts

Mange your money your way with a Essential FCU checking account. With added values such as easy online, mobile and telephone banking access on each of our checking accounts, we are sure we have the account for you.

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Money Market Accounts

Let you money work for you! For those individuals with a large amount to deposit, we offer a higher yield on these accounts with the opportunity for greater return.

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Certificates or CDs

Certificates, or CDs, are high-earning accounts that can help you earn a significant rate of return on your hard-earned money. Once the Certificate is open you have the choice of compounding the interest monthly or having the dividend distributed to another savings or checking account.

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An IRA at Essential FCU is a solid investment in your financial future. We offer our members Traditional, Roth and Educational IRAs at the highest rate of return for your situation.

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Personal - Essential - Checking & Savings Accounts, IRAs & CDs

Essential is a Baton Rouge credit union offering access to checking accounts, savings accounts, IRAs, & CDs for saving, spending, or whatever your need is.