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For People Instead of Profit

Whether you are considering joining the Louisiana USA family or have been a member for 30 years, you still may wonder, “What separates a credit union from a bank?” The short answer is – a lot. We are a nonprofit corporation that is equally owned by all of our members. Instead of focusing on our stock value and pleasing executive board members, we are entirely devoted to helping our members. Our team provides the same services as a bank, but our outlook and attitude could not be more different.

Credit Unions vs. Banks

Credit Unions

  • Goal: Help members
  • Ownership:Equally owned by all members
  • Decisions: Democratically controlled by members
  • Profits: Returned to members in the form of lower fees and better rates
  • Insurance: Federally insured by NCUA

Banks

  • Goal: Profit
  • Ownership: Stockholders & Executives
  • Decisions: Made by paid officials
  • Profits: Returned to stockholders
  • Insurance: Federally insured by FDIC
Louisiana USA, Credit Unions, Banks, Credit Union vs. Banks

Member-Owned. Member-Driven.

As a non-profit corporation that is well-capitalized, Louisiana USA strives to absorb product and service costs for its members and give the most competitive rates for loans and deposits.
We are a family-focused entity. Our focus has been and always will be on helping our members. This has been our mission since 1939 and will continue to guide every decision we make.

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Insured by NCUSIF

Our branch is insured by The National Credit Union Share Insurance Fund (NCUSIF), which provides deposit insurance to protect the accounts of our members.

 

 

Family Eligibility

The family of Louisiana USA members are also eligible to join the credit union and benefit from our products and services. Refer those you love to the baking institution you know will take care of them.

 

 

Additional Services

Night Deposit Box
ATMs
ART (Audio Response Teller)
Account Alerts
Drive-Thru Window
Visa Gift Cards
Notary Services
Safe Deposit Boxes

 

 

Financial Counseling & Continued Education

Our expert staff is always available to assist members with any financial issues or concerns, From designing budgets to improving credit scores, we're here to help!

 

 

Shared Branch Access

Through Shared Branching, a co-op service provided to our members, you can access branches and ATMs across the United States and beyond! Download the app to your phone or visit our Service Center & ATM locator page to find your nearest location.

 

 

Online Services

Monthly Statements
Apply for loans & mortgages
Bill Pay
Direct Deposit
Transfer Money
Mobile Banking