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Louisiana FCU Blog

Louisiana Federal Credit Union Blog

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Refinance or not to refinance? That is the question!

Speaking to members about refinancing their home is always an interesting conversation. Once we get deep into the dialogue about why refinancing could help, the hesitation and anxiety lightens and members begin to realize that refinancing may the best thing for their family and pocketbook. Reasons Why You Should Refinance: Shorten the term of your loan – If you have a 30-year mortgage, now might be a great time to refinance because of low interest rates. In some cases, you may end up paying nearly the same mortgage payment that you are currently paying. By shortening the loan term, you own your home...
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The Truth about Your Credit Score

Your credit score is a number based on the information in your credit file. This score shows the likelihood of your ability to re-pay a debt on time. Lenders use this score to determine whether you qualify for a loan and what interest rate you will pay. What actions will hurt your credit score? Missing payments – missing on single payment can take up to 24 months to restore good credit. 35% of your total credit score is based on pay history. Maxing out credit cards – maxing out a credit card can reduce your credit capacity and lower your score....
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Frugal Grocery Shopping

Have you taken the time to figure out how much money you spend each month on groceries? For me, it was enough to make me want to quit eating… well almost! Fortunately, I found ways to reduce our monthly grocery bill without starving myself or my family. Change your mindset to fatten your pocketbook! Here are some tips that help chop away at bad grocery spending habits: NEVER go shopping when you are hungry! We have all heard this before, but it is true. Every time I shop when I am hungry, I end up putting more items in the cart....
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Be Aware of Scamming

Our community has had a very emotional few months and while it seems that things will never go back to “normal” there is always hope that tomorrow will be better than the last day. As we rebuild our homes and community, don't forget that there are people who will try to take advantage of our situation. Scams and price gauging are the last thing we should have to deal with, but if there is an opportunity, sadly, someone will try to abuse it. So, here are some helpful tips to help us avoid being scammed and to bring our community back stronger...
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How Big is Your Digital Footprint?

In today's age, it is not difficult to to look for personal information. Just using Facebook can help an individual, even criminals, know exactly what you are doing. It is very easy to know everything about a person without actually “knowing” them. On Facebook, we list our birthday, work history, school history and even cell phone numbers. Everything we do on a daily basis is can be traced with the help of our smart phones and GPS systems in our cars. It is very important to be aware of our digital footprint. We can leave a sloppy trail that is ripe...
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Louisiana FCU
P.O. Box 1956
LaPlace, LA 70069

Phone: 985.652.4990
Toll-free: 888.652.4990
Fax: 985.651.8001
Routing # 265476411