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Carter Credit Union


Overview / Commentary
www.cartercu.org
318-539-3502
133 S Main St
Springhill, LA 71075

Carter Credit Union is headquartered in Springhill and is the 7th largest credit union in the state of Louisiana. It is also the 593rd largest credit union in the nation. It was established in 1954 and as of September of 2022, it had grown to 134 employees and 51,221 members at 9 locations. Carter Credit Union's money market rates are 6X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Carter Credit Union is open to those who live, work, worship, or attend school (or businesses or other legal entities) in the Louisiana parishes of Bienville, Bossier, Caddo, Claiborne, DeSoto, Red River, or Webster, or in the Arkansas counties of Columbia or Lafayette.
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Health
B

Data as of Q3 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #9164
Year Chartered1954
Employees134
Primary Regulator
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD15.98%
Annual Interest Income$18.1MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$663.7MM$530.4MM
LoansQ3 2022vs Q3 2021$535.1MM$421.7MM
DepositsQ3 2022vs Q3 2021$509.3MM$384.4MM
Equity CapitalQ3 2022vs Q3 2021$41.5MM$34.6MM
Loan Loss AllowanceQ3 2022vs Q3 2021$4.7MM$4.5MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$6.8MM$4.3MM
Real Estate OwnedQ3 2022vs Q3 2021$0$837.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Carter Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-Health Savings
1.51%*-$25kRewards Savings
OTHER TIERS: 0.15% → $25k+
0.50%--Young Savers
0.50%--Christmas Club
0.25%--IRA Savings
0.25%--Regular Share Savings
0.05%--Business Share Savings

Carter Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$250k*-Money Max
OTHER TIERS: 0.55% → $500 - $2.5k | 1.00% → $2.5k - $10k | 1.50% → $10k - $50k | 2.00% → $50k - $250k
2.35%*$500k*-Business Money Max
OTHER TIERS: 0.25% → Up to $2.5k | 0.75% → $2.5k - $10k | 1.45% → $10k - $50k | 1.70% → $50k - $100k | 1.85% → $100k - $250k | 2.10% → $250k - $500k

Carter Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$25kBeyond Rewards Checking
OTHER TIERS: 0.25% → $25k+
2.25%*-$10kRewards Checking
OTHER TIERS: 0.25% → $10k+
0.55%*$50k*-Commercial Checking
OTHER TIERS: 0.45% → $10k - $50k
0.15%--Classic Checking

Carter Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$1k-24 Month Share Certificate Special
4.10%$1k-60 Month Relationship Share Certificate
4.00%$1k-36 MonthShare Certificate
4.00%$1k-48 Month Share Certificate
4.00%$1k-60 Month Share Certificate
4.00%$1k-12 Month Share Certificate Special
3.70%$1k-36 Month Relationship Share Certificate
3.70%$1k-48 Month Relationship Share Certificate
3.00%$1k-6 Month Share Certificate

Carter Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$1k-24 Month IRA Certificate Special
4.10%$1k-60 Month Relationship IRA Certificate
4.00%$1k-36 Month IRA Certificate
4.00%$1k-48 Month IRA Certificate
4.00%$1k-60 Month IRA Certificate
4.00%$1k-12 Month IRA Certificate Special
3.70%$1k-36 Month Relationship IRA Certificate
3.70%$1k-48 Month Relationship IRA Certificate
3.00%$1k-6 Month IRA Certificate
Locations


Carter Credit Union Locations
Branch Office7288 Highway 509Mansfield, LA 71052
Branch Office45 Highway 79 NMagnolia, AR 71753-3244
Branch Office918 Homer RdMinden, LA 71055
Branch Office6885 Bert Kouns Ind LoopShreveport, LA 71129
Branch Office100 W Church StSpringhill, LA 71075
Branch Office2901 Meadow Creek DrBossier City, LA 71111
Branch Office2415 Red Oak RdCoushatta, LA 71019-9513
Branch Office8988 Ellerbe RdShreveport, LA 71106
Branch Office4646 Hilry Huckaby III AveShreveport, LA 71107-5707

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