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Carter Credit Union

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Overview / Commentary

www.cartercu.org

318-539-4655

133 S Main St
Springhill, LA 71075

Carter Credit Union is headquartered in Springhill and is the 7^th largest credit union in the state of Louisiana. It is also the 688^th largest credit union in the nation. It was established in 1954 and as of December of 2019, it had grown to 102 employees and 28,910 members at 10 locations. Carter Credit Union's CD rates are 33% higher than 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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Related Posts

View all posts from:

2016
2010
2009

4/14 - Carter Federal Credit Union (LA/AR) Offers "Beyond Rewards" RCA

1/1 - Effective 2/2010 The "New" Carter Federal Credit Union Rates Are 3

9/14 - 5.01% Reward Checking Account at Carter FCU in LA & AR - Local Only

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Health

B

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #	9164
Year Chartered	1954
Employees	102
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	5.2%
Annual Interest Income	$15.0MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$399.9MM$350.2MM
Loans	Q4 2019vs Q4 2018	$293.1MM$272.2MM
Deposits	Q4 2019vs Q4 2018	$283.8MM$252.6MM
Equity Capital	Q4 2019vs Q4 2018	$26.7MM$21.7MM
Secondary Capital	Q4 2019vs Q4 2018	$7.5MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$2.0MM$1.6MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$6.1MM$4.1MM
Real Estate Owned	Q4 2019vs Q4 2018	$416.00K$23.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%	$500	-	Health Savings
1.51%^*	-	$25k	Rewards Savings
OTHER TIERS: 0.15% → $25k+
0.50%	-	-	Young Savers
0.50%	-	-	IRA Savings
0.50%	-	-	Christmas Club
0.25%	-	-	Regular Share Savings
0.25%	-	-	Business Share Savings

Carter Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.35%^*	$250k^*	-	Business Money Max
OTHER TIERS: 0.25% → Up to $2.5k \| 0.35% → $2.5k - $10k \| 0.50% → $10k - $50k \| 0.70% → $50k - $100k \| 1.00% → $100k - $250k
0.55%^*	$50k^*	-	Money Max
OTHER TIERS: 0.25% → $500 - $2.5k \| 0.35% → $2.5k - $10k \| 0.45% → $10k - $50k

Carter Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%^*	-	$10k	Rewards Checking
OTHER TIERS: 0.25% → $10k+
0.55%^*	$50k^*	-	Commercial Checking
OTHER TIERS: 0.45% → $10k - $50k
0.15%	-	-	Classic Checking
0.15%	-	-	Not-for-Profit Checking

Carter Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.85%	$1k	-	60 Month Relationship Share Certificate
1.75%	$1k	-	60 Month Share Certificate
1.70%	$1k	-	48 Month Relationship Share Certificate
1.55%	$1k	-	36 Month Relationship Share Certificate
1.50%	$1k	-	48 Month Share Certificate
1.40%	$1k	-	36 Month Share Certificate
1.30%	$1k	-	24 Month Share Certificate
1.20%	$1k	-	12 Month Share Certificate
0.75%	$1k	-	6 Month Share Certificate

Carter Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.75%	$1k	-	60 Month IRA Share Certificate
1.50%	$1k	-	48 Month IRA Share Certificate
1.40%	$1k	-	36 Month IRA Share Certificate
1.30%	$1k	-	24 Month IRA Share Certificate
1.20%	$1k	-	12 Month IRA Share Certificate
0.75%	$1k	-	6 Month IRA Share Certificate

Locations

Cities: Bossier City, Coushatta, Magnolia, Mansfield, Minden, Sarepta, Shreveport, Springhill

Bossier City Branches
Branch Office	2901 Meadow Creek Dr	Bossier City, LA 71111

Coushatta Branches
Branch Office	2415 Red Oak Rd	Coushatta, LA 71019-9513

Magnolia Branches
Branch Office	45 Highway 79 N	Magnolia, AR 71753-3244

Mansfield Branches
Branch Office	7288 Highway 509	Mansfield, LA 71052

Minden Branches
Branch Office	918 Homer Rd	Minden, LA 71055

Sarepta Branches
Branch Office	24448 Highway 371	Sarepta, LA 71071

Shreveport Branches
Branch Office	6889 Bert Kouns Ind Loop	Shreveport, LA 71129
Branch Office	6652 Youree Dr	Shreveport, LA 71105

Springhill Branches
Branch Office	133 S Main St	Springhill, LA 71075
Branch Office	100 W Church St	Springhill, LA 71075

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