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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 562nd largest credit union in the nation. It was established in 1954 and as of June of 2024, it had grown to 130 employees and 36,769 members at 12 locations. Carter Credit Union's money market rates are 8X 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 Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #9164
Year Chartered1954
Employees130
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD4.2%
Annual Interest Income$20.3MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$755.6MM$679MM
LoansQ2 2024vs Q2 2023$587.5MM$534.1MM
DepositsQ2 2024vs Q2 2023$577.4MM$515.3MM
Equity CapitalQ2 2024vs Q2 2023$46.9MM$41.6MM
Loan Loss AllowanceQ2 2024vs Q2 2023$9MM$8.1MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$10.9MM$11.7MM
Real Estate OwnedQ2 2024vs Q2 2023$56K$62K
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%*$0$25kRewards Savings
OTHER TIERS: 0.15% → $25k+
0.50%$0-Christmas Club
0.25%$0-IRA Savings
0.25%$0-Membership Savings
0.25%$0-Other Savings
0.05%$0-Business Share Savings

Carter Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$500k*-Business Money Max
OTHER TIERS: 0.25% → $0 - $2.5k | 2.25% → $2.5k - $10k | 2.75% → $10k - $50k | 3.25% → $50k - $100k | 3.50% → $100k - $250k | 3.75% → $250k - $500k
3.50%*$250k*-Money Max
OTHER TIERS: 1.00% → $500 - $2.5k | 2.25% → $2.5k - $10k | 2.75% → $10k - $50k | 3.25% → $50k - $250k

Carter Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$0$25kBeyond Rewards Checking
OTHER TIERS: 0.25% → $10k+
2.25%*$0$10kRewards Checking
OTHER TIERS: 0.25% → $10k+
0.55%*$50k*-Commercial Checking
OTHER TIERS: 0.45% → $10k - $50k
0.15%$0-Classic Checking

Carter Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%$1k-6 Month Share Certificate
4.45%$1k-12 Month Share Certificate
4.05%$1k-36 Month Relationship Share Certificate
4.05%$1k-48 Month Relationship Share Certificate
4.05%$1k-60 Month Relationship Share Certificate
4.00%$1k-24 Month Share Certificate
3.95%$1k-36 MonthShare Certificate
3.95%$1k-48 Month Share Certificate
3.95%$1k-60 Month Share Certificate

Carter Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.85%$1k-6 Month IRA Certificate
4.45%$1k-12 Month IRA Certificate
4.05%$1k-36 Month Relationship IRA Certificate
4.05%$1k-48 Month Relationship IRA Certificate
4.05%$1k-60 Month Relationship IRA Certificate
4.00%$1k-24 Month IRA Certificate
3.95%$1k-36 Month IRA Certificate
3.95%$1k-48 Month IRA Certificate
3.95%$1k-60 Month IRA Certificate
Locations

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