Education is Essential

What Can Our Checking, Savings, and Credit Card Services Do for You?

Have you been searching for a place where you can have your checking, savings, and credit card accounts all in one spot in Central, Louisiana? If so, it’s time to check into Essential Federal Credit Union (Essential FCU). We are a locally based federal credit union with decades of experience serving Louisiana customers. And you can become a member of Essential FCU from the comfort of your own home! 

Simply visit our application page to start your membership. And, once you have, it’s time to explore some of the excellent services that Essential FCU can deliver for you! Learn more about our services to see which ones could suit your needs best.

We Offer Credit Card Account Options in Central, Louisiana

If you are just beginning your banking history, building a solid credit history can be a huge help when you need to borrow down the line. Regularly paying off your balance or the minimum amount due is an excellent way to build a credit score. And, having an excellent credit score can, in turn, make certain mortgages and other loans easier to acquire when you need them. 

In addition, our credit card service offers plenty of benefits to make it a compelling choice for customers. This includes accounts that can reward cardholders for their purchases. And, the cards feature enhanced security thanks to the embedded EMV smart chip, helping to keep them protected. These cards are accepted in millions of locations around the world, which gives you purchasing options virtually anywhere. And cardmember service is available 24 hours a day and 365 days a year. So, when you need assistance, someone is just a call or message away!

Explore Our Checking and Savings Accounts

In addition to getting rewards from our credit card services, customers can enjoy similar benefits with checking and savings accounts. We offer a variety of account types for both checking and savings to put the power in customers’ hands. 

For example, if you want a checking account that rewards you for using it, Key Checking can be a great choice. Cardholders can earn a high interest rate on balances of $10,000 or below as well as .30% APY on portions above $10,000. Additionally, they can receive ATM transaction fee refunds up to $20.

And, when you just want a simple, no-frills checking account, we offer that, too! Our Simple Checking makes banking easier and less complicated. Enjoy free online banking, free automatic loan payments (some restrictions apply), direct deposit, and more! When it comes to choosing your checking or savings account, we give you options to find the service that best fits your lifestyle.

Ready to Get Started?

Are you ready to open a new savings, checking, or credit card account in Central, Louisiana? It’s time to experience the Essential FCU difference for yourself. Call 1-888-369-2207 or contact us online to get started. Join our credit union community today!