Carter Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 6^th largest credit union in the state of Louisiana. It is also the 546^th largest credit union in the nation. It was established in 1954 and as of December of 2024, it had grown to 122 employees and 35,380 members at 12 locations. Carter Credit Union's money market rates are 7X the national average, and it has a C+ 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.
See current membership details

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Health

C+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	9164
Year Chartered	1954
Employees	122
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.27%
Return on Equity - YTD	-4.78%
Annual Interest Income	$41.8MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$784.1MM$721.5MM
Loans	Q4 2024vs Q4 2023	$626.2MM$557.9MM
Deposits	Q4 2024vs Q4 2023	$601.5MM$543.1MM
Equity Capital	Q4 2024vs Q4 2023	$43.7MM$45.7MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$12.1MM$8.5MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$18.9MM$10.9MM
Real Estate Owned	Q4 2024vs Q4 2023	$54K$84K

TODAY'S FEATURED RATES

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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
2.02%	$500	-	Health Savings
1.51%^*	$0	$25k	Rewards Savings
OTHER TIERS: 0.15% → $25k+
0.25%	$0	-	Membership Savings
0.05%	$0	-	Business Share Savings

Carter Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%^*	$500k^*	-	Business Money Max
OTHER TIERS: 0.25% → $0 - $2.5k \| 2.25% → $2.5k - $10k \| 2.50% → $10k - $50k \| 2.75% → $50k - $100k \| 3.00% → $100k - $250k \| 3.25% → $250k - $500k
3.25%^*	$250k^*	-	Money Max
OTHER TIERS: 1.00% → $500 - $2.5k \| 2.25% → $2.5k - $10k \| 2.50% → $10k - $50k \| 3.00% → $50k - $250k

Carter Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$0	$10k	Rewards 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

APY	MIN	MAX	ACCOUNT NAME
3.95%	$1k	-	6 Month Share Certificate
3.90%	$1k	-	12 Month Share Certificate
3.60%	$1k	-	24 Month Share Certificate
3.55%	$1k	-	60 Month Share Certificate
3.50%	$1k	-	36 MonthShare Certificate
3.50%	$1k	-	48 Month Share Certificate

Carter Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.95%	$1k	-	6 Month IRA Certificate
3.90%	$1k	-	12 Month IRA Certificate
3.60%	$1k	-	24 Month IRA Certificate
3.55%	$1k	-	60 Month IRA Certificate
3.50%	$1k	-	36 Month IRA Certificate
3.50%	$1k	-	48 Month IRA Certificate
0.25%	$0	-	IRA Savings

Locations

Availability

Shreveport Area

Shreveport Area bank & credit union details

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