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Carter Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
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
APY APY = Annual Percentage Yield Rates as of 5/20/2025
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
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
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 6th largest credit union in the state of Louisiana. It is also the 546th 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 Chartered1954
Employees122
Primary Regulator
Profit Margin
Return on Assets - YTD-0.27%
Return on Equity - YTD-4.78%
Annual Interest Income$41.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$784.1MM$721.5MM
LoansQ4 2024vs Q4 2023$626.2MM$557.9MM
DepositsQ4 2024vs Q4 2023$601.5MM$543.1MM
Equity CapitalQ4 2024vs Q4 2023$43.7MM$45.7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$12.1MM$8.5MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$18.9MM$10.9MM
Real Estate OwnedQ4 2024vs Q4 2023$54K$84K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
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
APY APY = Annual Percentage Yield Rates as of 5/20/2025
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
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
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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* 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+
0.25%$0-Membership Savings
0.05%$0-Business Share Savings

Carter Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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