Carter Credit Union

Overview / Commentary
133 S Main St
Springhill, LA 71075

Carter Credit Union is headquartered in Springhill and is the 8th largest credit union in the state of Louisiana. It is also the 645th largest credit union in the nation. It was established in 1954 and as of June of 2021, it had grown to 115 employees and 39,633 members at 9 locations. Carter Credit Union's money market rates are 70% 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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Health Grade Components

NCUA #9164
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.64%
Return on Equity - YTD26.6%
Annual Interest Income$10.1MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$548.8MM$525.2MM
LoansQ2 2021vs Q2 2020$438.7MM$366.4MM
DepositsQ2 2021vs Q2 2020$379.8MM$331.6MM
Equity CapitalQ2 2021vs Q2 2020$33.2MM$27.8MM
Secondary CapitalQ2 2021vs Q2 2020$7.5MM
Loan Loss AllowanceQ2 2021vs Q2 2020$4.3MM$3.5MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$4.3MM$3.1MM
Real Estate OwnedQ2 2021vs Q2 2020$839.00K$846.00K
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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

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

Carter Credit Union Money Market Rates

1.00%*$250k*-Business Money Max
OTHER TIERS: 0.25% Up to $2.5k | 0.30% $2.5k - $10k | 0.40% $10k - $50k | 0.50% $50k - $100k | 0.75% $100k - $250k
0.75%*$250k*-Money Max
OTHER TIERS: 0.15% $500 - $2.5k | 0.25% $2.5k - $10k | 0.40% $10k - $50k | 0.55% $50k - $250k

Carter Credit Union Checking Account Rates

2.25%*-$10kRewards 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

1.55%$1k-60 Month Relationship Share Certificate
1.45%$1k-60 Month Share Certificate
1.40%$1k-48 Month Relationship Share Certificate
1.30%$1k-48 Month Share Certificate
1.30%$1k-36 Month Relationship Share Certificate
1.20%$1k-36 MonthShare Certificate
1.05%$1k-24 Month Share Certificate
0.95%$1k-12 Month Share Certificate
0.60%$1k-6 Month Share Certificate

Carter Credit Union IRA Rates

1.55%$1k-60 Month Relationship IRA Certificate
1.45%$1k-60 Month IRA Certificate
1.40%$1k-48 Month Relationship IRA Certificate
1.30%$1k-36 Month Relationship IRA Certificate
1.30%$1k-48 Month IRA Certificate
1.20%$1k-36 Month IRA Certificate
1.05%$1k-24 Month IRA Certificate
0.95%$1k-12 Month IRA Certificate
0.60%$1k-6 Month IRA Certificate

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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