Essential Credit Union is a community-chartered credit union originally founded by Dow Chemical employees in 1972. It serves the Greater Baton Rouge area and parts of Texas. Services include auto loans, mortgage loans, VISA cards, savings accounts, and Money Management tools. The target audience is individuals living, working, or attending school in the nine parishes of Greater Baton Rouge and specific areas in Texas. The unique selling proposition is community-focused financial services at low costs, with a focus on member benefits and local community support, such as scholarships for graduating seniors[1][3][5].