Rates

Savings Rates

Savings Rates
Savings Account Description Dividend Rate Annual Percentage Yield Minimum opening deposit Minimum Balance to earn Dividends Dividends Paid
Christmas Club .10% .10% APY* $5.00 $5.00 Quarterly
IRA Account .10% .10% APY* $5.00 $5.00 Quarterly
Membership Savings* .10% .10% APY* $5.00 $100.00 Quarterly
Savings Club .10% .10% APY* $5.00 $100.00 and UP Quarterly

Rates Effective September 1, 2021
See account Disclosure brochure for further account information
*(APY) Annual Percentage Yield- Rates are subject to change at any time. Fees can reduce earnings on some accounts.
Some criteria may need to be met to earn stated rate. A penalty may be imposed for early withdrawal.

Certificate Rates

Certificate Rates
Description Term Dividend Rate Annual Percentage Yield Minimum Opening Deposit Minimum Balance to Earn Dividends Dividends Paid
Money Market ——— .20% .200% APY* $2,500.00 $2500.00 and up Monthly
Share Certificate 6 months .80% .803% APY* $1000.00 $1,000.00 up to $2,499.00 Monthly
Share Certificate 6 months 1.10% 1.106% APY* $1000.00 $2,500 and up Monthly
Share Certificate 12 months 1.10% 1.106% APY* $1000.00 $1,000.00 up to $2,499.00 Monthly
Share Certificate 12 months 1.30% 1.308% APY* $1000.00 $2,500 and up Monthly
Share Certificate 18 months .95% .954% APY* $1000.00 $1,000.00 up to $2,499.00 Monthly
Share Certificate 18 months 1.15% 1.156% APY* $1000.00 $2,500 and up Monthly
Share Certificate 24 months 1.10% 1.106% APY* $1000.00 $1,000.00 up to $2,499.00 Monthly
Share Certificate 24 months 1.35% 1.358% APY* $1000.00 $2,500 and up Monthly
IRA Certificate 12 months .70% .702% APY* $1000.00 $1,000.00 up to $2,499.00 Monthly
IRA Certificate 12 months .90% .904% APY* $1000.00 $2,500 and up Monthly
IRA Certificate 24 months .85% .853% APY* $1000.00 $1,000.00 up to $2,499.00 Monthly
IRA Certificate 24 months 1.10% 1.106% APY* $1000.00 $2,500 and up Monthly

 

Rates Effective December 20, 2023
See account Disclosure brochure for further account information.
*(APY) Annual Percentage Yield- Rates are subject to change at any time. Fees can reduce earnings on some accounts.
Some criteria may need to be met to earn stated rate. A penalty may be imposed for early withdrawal.

RV Rates

Recreational Vehicles –Boats, Campers, Motorcycles, Four Wheelers, Jet Skis, Wave Runners etc.
Under $20,000.00 up to 60 months APR Over $20,000.00 60 months to
10 Years
Credit Rating
New Recreational 6.10% APR* 6.60% APR* A+
Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $15,000 loan: $291.30 at 6.10% APR with a 60-month term. Your APR may differ based on your loan amount, repayment method, and other factors.
Used Recreational Under $20,000.00 up to 60 months APR Over $20,000.00 00 months to
10 Years
Credit Rating
7.20% APR* 7.70% APR* A+
Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $15,000 loan: $299.17 at 7.20% APR with a 60-month term. Your APR may differ based on your loan amount, repayment method, and other factors.

Closed & Open End Loans

CLOSED END (WITH MAX 4YR TERM) AND
OPEN-END UNSECURED SIGNATURE LOANS (RENEWS EVERY 3 YEARS)
Type as low as APR* Scheduled Payment Amt Credit Rating
**Overdraft (for checking) 18.00% APR* 3% of Max Loan Amount N/A
Open-End Unsecured Signature Loan-Line of Credit 10.20% APR* 3% of Max Loan Amount A+
Closed End 9.49% APR* A+

 

 

 

 

 

 

 

 

 

 

 

Mortgage Loans

Contact the credit union for more information on Mortgage rates

VISA Rates

VISA
Apr/Rate Method of Computing Annual Fee Disclosures
9.20% APR Average Daily Balance Including New Purchase $10.00 Per Year/No annual fee on Senior Gala Club Checking account/First year Annual Fee waived on New accounts/No annual fee with Active share draft account. View Important Disclosures (PDF – new window/tab)
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Property Loans

PROPERTY LOANS
***Parishes approved for Property Loans are:  Lafayette, St Landry, Vermillion, Acadia and St. Martin
As low as APR*/Rate Credit Rating Terms Finance Amount Type of Property
6.90% APR* A+ Up to 10 Year Fixed Maximum 90% of Appraised Value Personal/Owner Occupied
7.40%APR* A+ Up to 15 Year Fixed Maximum 90% of Appraised Value Personal/Owner Occupied

Vehicle Loans

VEHICLE LOANS
Term APR/Rate Credit Rating
New Vehicles: 2022 and 2023 up to 17,000 in mileage
N/A as low as 4.49% APR* A+
Used Vehicles
N/A as low as 4.99% APR* A+

We have the rate that will fit you! Call our loan department for more information at 337-233-6744.

OUR OFFICE WILL BE CLOSING AT 4:00 P.M. ON MONDAY MARCH 18 for our 74th Annual Zoom Business Meeting

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