La Terre Federal Credit Union

Overview / Commentary
701 Barrow St
Houma, LA 70360

La Terre Federal Credit Union is headquartered in Houma and is the 58th largest credit union in the state of Louisiana. It is also the 2,821st largest credit union in the nation. It was established in 1970 and as of June of 2020, it had grown to 16 employees and 5,722 members at 2 locations. La Terre Federal Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in La Terre Federal Credit Union is open to those who live, work, attend school or worship in Lafourche or Terrebonne Parishes of Louisiana.
See current membership details

Related Posts

Good CD Rates At La Terre Federal Credit Union - 5/29/2020

If you live, work, worship or attend school in Lafourche Parish or Terrebonne Parish (Louisiana), La Terre FCU has some really nice CD rates. 2.53% APY - 36 Month Lagniappe Share Certificate 2.27% APY - 24 Month Lagniappe Share Certificate 2.02% APY - 12 Month Lagniappe Share Certificate Minimum $10,000 deposit


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. La Terre Federal Credit Union has a low asset base.

Health Grade Components

NCUA #20002
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD7.43%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$34.4MM$30.4MM
LoansQ2 2020vs Q2 2019$27.6MM$26.8MM
DepositsQ2 2020vs Q2 2019$30.8MM$27.1MM
Equity CapitalQ2 2020vs Q2 2019$3.5MM$3.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$730.00K$399.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$303.00K$348.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

La Terre Federal Credit Union Savings Account Rates

0.45%*$50k*-Regular Share Savings
OTHER TIERS: 0.15% $100 - $5k | 0.30% $5k - $50k
0.15%$100-Christmas Club Account
0.15%$100-Vacation Club Account

La Terre Federal Credit Union CD Rates

1.51%$10k-24 Month Lagniappe Share Certificate - New deposits
1.00%$10k-12 Month Lagniappe Share Certificate - New deposits
0.75%$1k-24 Month Lagniappe Share Certificate
0.50%$1k-12 Month Lagniappe Share Certificate
0.25%$1k-6 Month Lagniappe Share Certificate

La Terre Federal Credit Union Locations
Branch Office101 Glynn AveHouma, LA 70363
Branch Office701 Barrow StHouma, LA 70360-4701

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