Welcome to Louisiana Federal Credit Union - savings and loan products for members in Louisiana

Home \| Rates \| Contact Us \| Search

<a href="https://secure.fundsxpress.com/start/U4LFCULL" target="_top"><b>Click here</b></a> to log into online banking.

Off to school
On my own
Starting a family
Retirement

Auto Buying Center
Real Estate Center
Fraud Resource Center
Calculators
ATM/Branch Locator
Online Forms/Applications
ATM/Debit Opt In
Current Promotions

Got a gripe? We want to hear about it.

Rates

Effective 7-30-10

Money Market Accounts

Average Daily Balance	Rate	Yield
$5,000 - $9,999	.35%*	.35%
$10,000 and over	.75%*	.75%
*Regular share rate will apply if balance falls below minimum requirements.

Share and club account dividend rates are based on the following tiered average daily balances:

Dividend Rates

Average Daily Balance	Dividend Rate	Annual Percentage Yield (APY)
Share and Club Accounts with Balances <$2499	.10%	.10%
Share and Club Accounts with Balances >$2500	.25%	.25%
IRA Shares	1.00%	1.00%
For all accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Applicable fees may reduce earnings on any account.

Checking Accounts Dividend Rates

Average Daily Balance	Dividend Rate	Annual Percentage Yield (APY)
Interest Checking	.10%	.10%
For all accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Applicable fees may reduce earnings on any account.

Share Certificate & Individual Retirement Account Certificate Rates
(Minimum Deposit of $1,000)

Type	Dividend Rate	Annual Percentage Yield (APY)
90 Day	0.75%	0.75%
6 Months	1.00%	1.00%
1 Year	1.10%	1.11%
18 Months	1.35%	1.36%
2 Years	1.85%	1.87%
3 Years	2.25%	2.27%
4 Years	2.50%	2.52%
5 Years	2.96%	3.00%
A penalty will be imposed for early withdrawal.

Ask us about our dividend rate features:

Step Rate Option for 2-5 year terms
Jumbo rates available

Loan Rates

Rate Discounts*

Direct deposit of net payroll, social security or pension check into your Louisiana FCU checking account	.50%
*This rate discount applies to all loans with the exception of Lines of Credit, Mortgage/Real Estate, Overdraft Loans, and Visa.

Visa® Credit Card Rates
All Visas have NO Annual Fee and no fees for balance transfers or cash advances. All rates are fixed.

Type	APR
Platinum Rewards	7.90%
Platinum	9.90-15.90%
Platinum Smart Start	15.90%
Platinum Student Advantage	0.0%

Unsecured Loan Rates

Type	APR*
Tuition	6.75-16.75%
Signature	8.75-18.00%
Line of Credit	8.75-14.75%
Overdraft Protection	8.75-14.75%
*All loan rates are based on credit history. All loan rates are subject to change.

Pledged Loan Rates

Type	APR
Share Pledge	2.50% above share rate
Certificate Pledge	2.50% above CD rate

Vehicle Loan Rates
Includes New Cars, Used Cars, Motorcycles, Recreational Vehicles, Boats, and Sportcraft.

Vehicle Rate Discounts**
10% Down Payment	.50%
20% Down Payment	1.00%
Green Discount	.25%
**Maximum vehicle down payment discount is up to 1.00%. Green discount of .25% for financing a vehicle listed on the Green Vehicle Guide produced by the EPA. These vehicles must be designated as SmartWay or SmartWay Elite. Contact the credit union for details.

Type	APR*
48 Months	5.25-17.00%
60 Months	5.50-17.25%
72 Months	5.75-13.50%
84 Months	6.00-10.25%
*All loan rates are based on credit history. All loan rates are subject to change. Not all members and/or vehicles are eligible for 72 or 84 month financing.

Mortgage Rates
Louisiana FCU offers a variety of mortgage products such as 1^st Mortgages, Home Equity Loans, Vacant Land Loans, & Construction Loans.
Mortgage rates change on a daily basis. You may call (985) 653-1702 or (985) 652-4990 ext 1427 to receive current rates.