Address:2370 Towne Center Boulevard
Baton Rouge,
LA
70809
Essential Federal Credit Union (formerly known as Dow Louisiana Federal Credit Union) was founded in 1972. It's the 13th biggest credit union in Louisiana with assets totaling $336.51 Million and providing banking services to more than 40,000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member and access banking services. Membership is also open to immediate family of current members.
Loans- Participation Loans
- Micro Consumer Loans
- Indirect Loans
- Short-Term, Small Amount Loans
- Pay Day Loans
- Risk Based Loans
- Auto Loans
Credit- Debt Cancellation/Suspension Program
- Credit Builder
- Share Secured Credit Cards (Contact the credit union for a credit card application.)
Savings- Share Certificates (CDs) with Low Minimum Balance Requirements
- Regular Share Savings Accounts
Checking- ATM and Debit Cards
- Checking Account (Share Draft Account)
- Contact the credit union to reorder checks.
- Free Share Drafts
Mortgages- Real Estate Loans including Mortgages
- Approved Mortgage Seller
- Interest Only and Payment Option 1st Mortgage Loans
- Mortgage Processing
- First Time Homebuyer Program
Online Services- New Share Account
- Audio Response/Phone Based Banking
- Online Loan Payments
- Remote Deposit Capture
- View Account History
- Check Account Balances
- Membership Application
- View and Download Account History
- Share Account Transfers
- Transfer to External Accounts
- New Loan
- Essential FCU Online Banking
- Mobile Banking / Smartphone (iOS/Android) App
- Share Draft Orders
- e-Statements
- Account Aggregation
- Bill Pay
- Mobile Payments
Business Services- Business Checking
- Business Loans
- Small Business Loans
Financial Education- Financial Counseling
- Financial Literacy Workshops
- Financial Education
