The Essential Credit Union All Credit Levels is a cdfi lender from Essential Credit Union. The ongoing APR is 5.64% after a 9.50% introductory rate. Typical credit limit: $10,000. This product reports activity to your personal credit report. Essential Credit Union is a community-focused financial institution located in Baton Rouge, LA, offering a range of banking, lending, and investment services tailored to meet the needs of its members. It serves individuals and businesses in Baton Rouge and surrounding areas, providing personalized service and modern conveniences. Services include: auto loans, personal loans, home loans, home equity loans, recreational vehicle loans, VISA credit cards. US Treasury certified CDFI Credit Union in Baton Rouge, LA. Membership required.