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Loan Rates

*Rates effective August 1, 2022.

Auto Loans

New and Used Autos APR as low as
up to 5 years (60 months) 3.75%
up to 6 years (72 months) 3.95%
up to 7 years (84 months) 4.95%

Recreational Vehicles

New and Used APR as low as
up to 6 years (72 months) 6.00%
up to 7 years (84 months) 6.50%
up to 8 years (96 months) 7.25%
up to 10 years (120 months) 8.25%

Real Estate Loans

APR as low as
First Mortgage up to 30 years; up to 100% financing Click Here
Second Mortgage up to 10 years; up to 90% financing Call
Home Equity Line of Credit up to 10 years; up to 90% financing Call
Land Loans up to 15 years; up to 100% financing Call

Visa Credit Cards

Visa Credit Cards APR as low as
Visa Rewards Credit Card 8.00%

Consumer Loans

APR as low as
Personal Loans up to 5 years (60 months) 8.75%
Education Loans up to 1 year (12 months) 7.50%
Education Loans up to 2 years (24 months) 7.75%
Revolving Loans 9.00%

Deposit Secured Loans

APR as low as
Shared Secured 3.00%
Certificate Secured up to 3 years (36 months) 2.00% over certificate rate
Certificate Secured up to 6 years (72 months) 3.00% over certificate rate
Certificate Secured up to 10 years (120 months) 4.00% over certificate rate

APR is annual percentage rate. Rates subject to change. Additional terms and conditions may apply. Qualified borrowers. New money only. Max rate is 18.00%. Loan rates will be adjusted on individual credit profiles. 

Call our Mortgage Center or Loan Department for more information at (225) 292-8910 or toll free at (800) 375-2760

Deposit Rates

Savings Accounts

Min balance to earn dividends Compound method APY as high as
Regular Savings (S1) $100 1 0.20%
Minor Savings (S5, S6) $100 1 0.20%
Super Savings (S21) $25,000 1 0.42%
Super Savings (S21) $10,000 1 0.31%
Super Savings (S21) $2,500 1 0.25%
Christmas Club Savings (S18) $0.01 1 0.20%
Other Club Savings (S17) $0.01 1 0.20%

Checking Accounts

Min balance to earn dividends Compound method APY as high as
Classic Checking (S11) $3,500 1 0.20%
Classic Checking (S11) $0.01 1 0.15%
Simply FREE Checking (S13) N/A 1 N/A
Teen Checking N/A 1 N/A

Share Certificates

Min balance to earn dividends Compound method APY as high as
4 Years (48 months) $45,001 4 1.15%
$25,001 4 1.05%
$5,001 4 0.95%
$500 4 0.85%
3 Years (36 months) $45,001 4 1.05%
$25,001 4 0.95%
$5,001 4 0.85%
$500 4 0.75%
2 Years (24 months) $45,001 4 0..95%
$25,001 4 0.85%
$5,001 4 0.75%
$500 4 0.65%
1 Years (12 months) $45,001 4 0.65%
$25,001 4 0.55%
$5,001 4 0.45%
$500 4 0.35%
6 months $45,001 3 0.55%
$25,001 3 0.45%
$5,001 3 0.35%
$500 3 0.25%
3 months $45,001 2 0.45%
$25,001 2 0.35%
$5,001 2 0.25%
$500 2 0.15%

IRA (Individual Retirement Accounts)

Min balance to earn dividends Compound method APY as high as
5 Years (60 months) $500 5 1.36%
4 Years (48 months) $500 5 1.26%
3 Years (36 months) $500 5 1.16%
2 Years (24 months) $500 5 1.05%
1 Year (12 months) $500 5 0.95%
Variable N/A 1 0.40%

APY is annual percentage yield. Rates subject to change.

CMP is Compounding Method:

  1. Calculated daily, paid quarterly
  2. Calculated daily, paid at maturity
  3. Calculated daily, paid at maturity, or monthly and transferred to savings or checking account
  4. Calculated daily, paid monthly ,& transferred to savings/checking account, or paid quarterly & added to certificate
  5. Calculated daily, paid quarterly to certificate

Effect of Early Withdrawals from Certificates:

  • Early withdrawal on all share certificates with a maturity date 1 year and less will result in loss of dividends for 90 days or all dividends earned, whichever is less.
  • Early withdrawal for share certificates with a maturity date over 1 year will result in loss of dividends for 180 days or all dividends earned, whichever is less.

Super Savings Accounts:

  • Minimum balance of $2,500 is required to open a Super Savings Account. Dividends are earned on all balances.
  • Deposits must be made in increments of $250 or more and withdrawals must be made in increments of $500 or more.

Christmas Club Accounts:

  • Christmas Club Account balances are automatically transferred to your savings account on November 1st each year.
  • Early withdrawals will result in a $10 fee.
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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.

 

 

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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.

 

 

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