Education is Essential

Check Out the Excellent Benefits of a Checking Account With Us!

Are you ready to open a new checking account? With so many options out there, it isn’t always easy to know which is the right choice to make. But Essential Federal Credit Union (Essential FCU) is here to make it easy! We offer three checking out options for our customers that each have their own unique benefits. So, whether you’ve been looking for a checking account that earns dividends, gives you rewards, or just want a simple, free checking account in Baton Rouge, there’s a choice for you! Find out why so many people have opened their first account or made the switch to Essential FCU. And learn about the many excellent benefits you could enjoy from a trusted local credit union in Baton Rouge.

Simple Checking

Sometimes simplicity can be a great thing. And that’s just what our members get with a Simple Checking account! When what you really want is a no-frills, no-fuss free checking account in Baton Rouge, this is the one to pick! This account requires a minimum of one recurring Direct Deposit or a loan with a balance, but when those requirements are met you can relax and enjoy the convenience and ease of a checking account without a monthly service charge. 

And there are also plenty of features that make life easier, including a free instant issue VISA debit card, free online banking, free online bill-pay options, and more! So, if you want something easy to manage, our Simple Checking free checking account could be exactly what you need in Baton Rouge.

Key Checking

Want a checking account with the ability to pay you back? Our Key Checking account can deliver! You can earn a high interest rate on balances of $10,000 or below with an added .30% APY on funds above $10,000. This option also comes with several other great features such as overdraft protection, free online banking and billpay, and free automatic loan payments, among many others. 

Money Market Account

If you have a high amount to deposit, our Money Market Account could be the choice for you! This option has the potential to offer a greater yield as well as the opportunity to earn monthly dividends. We offer three tiers from $1,000-$9,999.99, $10,000-$24,999.99, and $25,000+, and the dividends you earn are determined by these tiers. The higher the tier, the greater your potential dividends may be.

Find Free Checking Accounts and Much More in Baton Rouge

Ready to open your new checking account? Get in touch with Essential FCU today! Simply contact us online or visit one of our locations and we will be happy to assist you. Enjoy convenient, rewarding, and free checking with Essential FCU!