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Carter Federal Credit Union

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CURRENT TOP RATE

60 Month Share Certificate

Overview / Commentary

www.carterfcu.org

318-539-4655

133 S Main St
Springhill, LA 71075

Carter Federal Credit Union is headquartered in Springhill and is the 8^th largest credit union in the state of Louisiana. It is also the 723^rd largest credit union in the nation. It was established in 1954 and as of March of 2019, it had grown to 97 employees and 26,586 members at 9 locations. Carter Federal Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Carter Federal 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

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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 Q1 2019

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Health Grade Components

Overall
NCUA #	9164
Year Chartered	1954
Employees	97
Primary Regulator

Profit Margin
Return on Assets - YTD	0.7%
Return on Equity - YTD	11.17%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$360.7MM$326.1MM
Loans	Q1 2019vs Q1 2018	$266.0MM$249.7MM
Deposits	Q1 2019vs Q1 2018	$261.5MM$248.7MM
Equity Capital	Q1 2019vs Q1 2018	$22.3MM$20.9MM
Secondary Capital	Q1 2019vs Q1 2018	$7.5MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$1.6MM$1.6MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$3.2MM$2.4MM
Real Estate Owned	Q1 2019vs Q1 2018	$23.00K$192.00K

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 Federal 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 Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.75%^*	$250k^*	-	Business Money Max
OTHER TIERS: 0.30% → Up to $2.5k \| 0.40% → $2.5k - $10k \| 0.60% → $10k - $50k \| 0.80% → $50k - $100k \| 1.25% → $100k - $250k
0.75%^*	$50k^*	-	Money Max
OTHER TIERS: 0.30% → $500 - $2.5k \| 0.40% → $2.5k - $10k \| 0.60% → $10k - $50k

Carter Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%^*	-	$10k	Rewards Checking
OTHER TIERS: 0.51% → $10k+
0.55%^*	$50k^*	-	Commercial Checking
OTHER TIERS: 0.45% → $10k - $50k
0.15%	-	-	Classic Checking
0.15%	-	-	Not-for-Profit Checking

Carter Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.60%	$1k	-	60 Month Share Certificate
2.60%	$1k	-	60 Month Basic with Relationship Share Certificate
2.55%	$1k	-	48 Month Share Certificate
2.55%	$1k	-	48 Month Basic with Relationship Share Certificate
2.45%	$1k	-	36 Month Share Certificate
2.45%	$1k	-	36 Month Basic with Relationship Share Certificate
2.40%	$1k	-	24 Month Share Certificate
2.25%	$1k	-	12 Month Share Certificate
1.75%	$1k	-	6 Month Share Certificate

Carter Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.60%	$1k	-	60 Month IRA Share Certificate
2.55%	$1k	-	48 Month IRA Share Certificate
2.45%	$1k	-	36 Month IRA Share Certificate
2.40%	$1k	-	24 Month IRA Share Certificate
2.25%	$1k	-	12 Month IRA Share Certificate
1.75%	$1k	-	6 Month IRA Share Certificate

Locations

Carter Federal Credit Union Locations
Branch Office	45 Highway 79 N	Magnolia, AR 71753-3244
Branch Office	6889 Bert Kouns Ind Loop	Shreveport, LA 71129
Branch Office	7288 Highway 509	Mansfield, LA 71052
Branch Office	918 Homer Rd	Minden, LA 71055
Branch Office	24448 Highway 371	Sarepta, LA 71071
Branch Office	6652 Youree Dr	Shreveport, LA 71105
Branch Office	133 S Main St	Springhill, LA 71075
Branch Office	100 W Church St	Springhill, LA 71075
Branch Office	2901 Meadow Creek Dr	Bossier City, LA 71111

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