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Rates
Effective 7-4-08
Money Market Accounts
| Average Daily Balance |
Rate |
Yield |
| $5,000 - $9,999 |
1.50%* |
1.51% |
| $10,000 and over |
2.25%* |
2.27% |
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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 |
.25% |
.25% |
| Share and Club Accounts with Balances >$2500 |
.50% |
.50% |
| IRA Shares |
2.00% |
2.01% |
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Checking Accounts Dividend Rates
| Average Daily Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
| Interest Checking |
.25% |
.25% |
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Share Certificate & Individual Retirement Account Certificate Rates
(Minimum Deposit of $1,000)
| Type |
Dividend Rate |
Annual Percentage Yield (APY) |
| 90 Day |
2.25% |
2.27% |
| 6 Months |
2.50% |
2.52% |
| 1 Year |
2.80% |
2.83% |
| 18 Months |
2.95% |
2.99% |
| 2 Years |
3.05% |
3.09% |
| 3 Years |
3.15% |
3.19% |
| 4 Years |
3.25% |
3.29% |
| 5 Years |
3.50% |
3.59% |
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Ask us about our dividend rate features:
- Step Rate Option for 2-5 year terms
- Jumbo rates available
Loan Rates
| Direct deposit of net payroll, social security or pension check into your Louisiana FCU checking account |
.50% |
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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% |
| 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% |
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| 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** |
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| 10% Down Payment |
.50% |
| 20% Down Payment |
1.00% |
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| Type |
APR* |
| 48 Months |
5.75-17.75% |
| 60 Months |
6.00-18.00% |
| 72 Months |
6.25-14.25% |
| 84 Months |
6.50-11.00% |
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Mortgage Rates
Louisiana FCU offers a variety of mortgage products such as 1st 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.
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