Carter Credit Union

Overview / Commentary
133 S Main St
Springhill, LA 71075

Carter Credit Union is headquartered in Springhill and is the 7th largest credit union in the state of Louisiana. It is also the 572nd largest credit union in the nation. It was established in 1954 and as of March of 2024, it had grown to 130 employees and 33,905 members at 11 locations. Carter Credit Union's money market rates are 8X 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 - YTD0.22%
Return on Equity - YTD3.42%
Annual Interest Income$10MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$736.9MM$685.8MM
LoansQ1 2024vs Q1 2023$563.2MM$530.3MM
DepositsQ1 2024vs Q1 2023$561.3MM$520.6MM
Equity CapitalQ1 2024vs Q1 2023$45.9MM$43.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$9.4MM$4.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$9MM$7.9MM
Real Estate OwnedQ1 2024vs Q1 2023$101K$63K
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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%*$0$25kRewards Savings
OTHER TIERS: 0.15% $25k+
0.50%$0-Young Savers
0.50%$0-Christmas Club
0.25%$0-IRA Savings
0.25%$0-Membership Savings
0.25%$0-Other Savings
0.05%$0-Business Share Savings

Carter Credit Union Money Market Rates

4.00%*$500k*-Business Money Max
OTHER TIERS: 0.25% $0 - $2.5k | 2.25% $2.5k - $10k | 2.75% $10k - $50k | 3.25% $50k - $100k | 3.50% $100k - $250k | 3.75% $250k - $500k
3.50%*$250k*-Money Max
OTHER TIERS: 1.00% $500 - $2.5k | 2.25% $2.5k - $10k | 2.75% $10k - $50k | 3.25% $50k - $250k

Carter Credit Union Checking Account Rates

2.25%*$0$25kBeyond Rewards Checking
OTHER TIERS: 0.25% $10k+
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

5.25%$1k-9 Month Share Certificate Special
4.85%$1k-12 Month Share Certificate
4.75%$1k-6 Month Share Certificate
4.60%$1k-24 Month Share Certificate
4.35%$1k-36 Month Relationship Share Certificate
4.25%$1k-36 MonthShare Certificate
4.25%$1k-48 Month Relationship Share Certificate
4.20%$1k-60 Month Relationship Share Certificate
4.15%$1k-48 Month Share Certificate
4.10%$1k-60 Month Share Certificate

Carter Credit Union IRA Rates

4.85%$1k-12 Month IRA Certificate
4.75%$1k-6 Month IRA Certificate
4.60%$1k-24 Month IRA Certificate
4.35%$1k-36 Month Relationship IRA Certificate
4.25%$1k-36 Month IRA Certificate
4.25%$1k-48 Month Relationship IRA Certificate
4.20%$1k-60 Month Relationship IRA Certificate
4.15%$1k-48 Month IRA Certificate
4.10%$1k-60 Month IRA Certificate


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