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Holiday & Parade Closures:
Our Mid City Branch will be closed Saturday, February 14 due to the Endymion Parade. Metairie and Harvey branches will be open from 9:00 a.m. to 1:00 p.m. All branches will be closed Monday, February 16 for Presidents Day and Tuesday, February 17 for Mardi Gras Day. Online and mobile banking remain available 24/7.

Savings and Loan Rates

The following rates are accurate as of February 1, 2026. All rates are subject to change without notice.

Prime Share Account/Savings

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
$5 $100
 $100 to $4,999  .05%  .05%
 $5,000 to $49,999  .07%  .07%
 $50,000 to $99,999  .09%  .09%
 $100,000 or Greater  .11%  .11%

Share Drafts/Checking

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
  $50 N/A      
N/A       .00% .00%

EPIC Platinum Checking

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
  $5 $100      
Up to $4,999       1.49%  1.50%
 $5,000 to $49,999        .25%  .25%
 $50,000 to $99,999        .13%  .13%
 $100,000 or Greater        .11%  .11%

Club Accounts – Christmas/Vacation

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
$0 $100
$100 to $49,999 .10% .10%
$50,000 to $99,999 .12% .12%
$100,000 or Greater .13% .13%

IRA Accounts

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
  $100 $100  365 days    
$100 to $49,999       .10% .10%
$50,000 to $99,999       .12% .12%
$100,000 or Greater       .13% .13%

IRA Certificate

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
IRA – 12 Months $1,000 $1,000  365 days    
$1,000 – < $50,000       .30% .30%
$50,000 – < $100,000       .33% .33%
$100,000 or Greater       .35% .35%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
IRA – 24 Months $1,000 $1,000 730 days    
$1,000 – < $50,000       .35% .35%
$50,000 – < $100,000       .37% .37%
$100,000 or Greater       .39% .39%

Money Manager

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
 $2,500 to $4,999 $2,500 $2,500   .10% .10%
$5,000 to $49,999       .12% .12%
$50,000 to $99,999       .17% .17%
$100,000 or Greater       .18% .18%

Share Certificates

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Six Months $1,000 $1,000  182 days    
$1,000 – < $50,000       3.44% 3.50%
$50,000 – < $100,000       3.49% 3.55%
$100,000 or Greater       3.54% 3.60%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Twelve to Eighteen Months $1,000 $1,000 365-547 days    
$1,000 – < $50,000       3.49% 3.55%
$50,000 – < $100,000       3.54% 3.60%
$100,000 or Greater       3.59% 3.65%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Twenty Four Months $1,000 $1,000 730 days    
$1,000 – < $50,000       3.54% 3.60%
$50,000 – < $100,000       3.59% 3.65%
$100,000 or Greater       3.59% 3.65%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Thirty Six Months $5,000 $5,000 1,095 days    
$5,000 – < $50,000       2.76% 2.80%
$50,000 – < $100,000       2.86% 2.90%
$100,000 or Greater       2.96% 3.00%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Sixty Months $5,000 $5,000 1,825 days    
$5,000 – < $50,000       2.91% 2.95%
$50,000 – < $100,000       3.00% 3.05%
$100,000 or Greater       3.10% 3.15%

Cars, Trucks and Recreational Vehicles (New & Used)

 

Cars & Trucks

Annual Percentage Rate* Term Monthly Payment per $1,000 Borrowed
New as low as 4.45%
(Includes All Possible Discounts)		 up to 60 months** $18.62

**Note: Financing available for up to 84 mos. Rates and terms may vary due to credit history, amount financed, and term chosen. Rates subject to change.

Boats, Motorcycles & RVs

Annual Percentage Rate* Term Monthly Payment per $1,000 Borrowed
New as low as 7.99%
(Includes All Possible Discounts)		 up to 60 months** $20.27

**Note: Financing available for up to 120 mos. Rates and terms may vary due to credit history, amount financed, and term chosen. Rates subject to change.

Mortgages

Contact EPIC for details on all mortgage products.

Credit Cards

Visa Platinum  
No Annual Fee 6.99% to 18.00% APR
Visa Platinum Rewards  
No Annual Fee 17.99% APR
Visa Secured  
No Annual Fee 15.00% APR
Visa Platinum Student  
No Annual Fee 12.00% APR

Share Pledge: 3.00% APR above highest prime share rate offered
Certificate Pledge: 3.00% APR above certificate rate

Closed End Signature Loans

Annual Percentage Rate* Term Monthly Payment per $1,000 Borrowed
as low as 9.65% APR*
(Includes All Possible Discounts)		 up to 60 months $21.08

Whole Home Generator Loans

Annual Percentage Rate* Term Monthly Payment per $1,000 Borrowed
as low as 6.65% APR*
(Includes All Possible Discounts)		 up to 60 months** $19.64

**Note: Financing available for up to 120 mos. Rates and terms may vary due to credit history, amount financed, and term chosen. Rates subject to change.

Tuition Loan Plus+

Annual Percentage Rate* Monthly Payment per $1,000 Borrowed
as low as 7.90% APR*
(Includes All Possible Discounts)		 $86.94

**Direct Deposit must be existing.

*Rates appear on this Rate Sheet as Annual Percentage Rate (APR). Rates subject to credit approval. Rates are based on credit worthiness and amount financed. Normal credit standards apply. Rates subject to change without notice. Rates may be as high as 18% APR based on information obtained from your credit application and credit report.