Pelican State Credit Union


Overview / Commentary
225-408-6100
2675 Oneal Ln
Baton Rouge, LA 70816

From the Bank

For over 60 years, Pelican State Credit Union has been providing financial services to individuals and their families throughout the state of Louisiana. Since opening our doors in 1956, we seek to embody our mission statement each and every day, providing innovative products and services, with a continued, dedicated focus on member loyalty.

Field of Membership Restrictions

Membership in Pelican State Credit Union is open to those who live in Rapides Parish, St. Landry Parish, or St. Tammany Parish, Louisiana. Employees/retirees of several Select Employee Groups also qualify for membership. Residents of Arkansas, Louisiana, Mississippi, and Texas who join any of four associations are also eligible to join.
See current membership details

Related Posts

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Not That Bad :-)

Posted by: |

Reading all the negative reviews, I feel bad for PSCU.

Actually their service is fine; they answered all my questions timely. The recent event was concerning the cancellation of my debit card since I have not used it for a while. They quickly sent the new debit card to me followed by password.

I do not like their RCA package (4%, only $7.5K; only one account allowed). They used to be much more generous.

I do not use their other services, e.g., loan, credit cards. But I assume it will be similar to those of RCA services.

Anyhow, PSCU went out their ways to read the reviews here and responded positively to them. That is much better than most other credit unions/banks.

I would suggest that we can work with the credit union patiently should issues arrise and afford PSCU an opportunity to make corrections and improvement accordingly.

Denied Kasasa Bonuses

Posted by: |

I think this is a new tactic to avoid paying Rewards accounts bonuses. I have been paying my cable bill for months and suddenly it was changed to a "bill payment" by "the system". Here's what I said but still have not got any final word.

Thank you for messaging Pelican State Credit Union!

Due to change in systems, some online-initiated and recurring debit card purchases, such as Sudden Link, are registering as "Bill Payment Withdrawal" rather than "Debit Card Withdrawal." This has caused the reports to not include these transactions in your 15 required debit card transactions.

We are currently investigating this new reporting and will let you know once this is resolved!

In the meantime, we recommend continuing making your 15 transactions, not including the Bill Payment Withdrawals.

We will let all of our members know at once when this is resolved.
Please let us know if we can be of any further assistance.

Poor Customer Services By Phone , So Upset !!!

Posted by: |

I am wondering why those representatives at the call center this week have been avoiding to help me with depositing money from my other institution debit cards to my Pelican checking and savings accounts. Some of them didn't even know how to do it. Some of them made me wait for very long on the line until I gave up waiting and having to hand up the calls. Some of them had bad attitudes on me as if I were wasting their times. Today, I have to say that they made me feel so upset, and there's no reason for me to stand it anymore. I have just decided to move ALL of my money from my Pelican checking account to my another institution account. If you don't need me as your customer anymore, just let me know and I would just go. Don't ever try to treat me poorly like that.

Worst Credit Union I've Been With.

Posted by: |

Pelican State Credit Union constantly puts my account negative and I have to call for my money back, which is also a hassle being that “top employees” are difficult to deal with(rude)! I’ve had to call PSCU on numerous occasions about money being taken out of my account. Thursday I had my card in “locked” status and could not unlock my card until 12 midnight. Right now my card is in “locked” status and I am unable to unlock it, yet my account balances keep changing without my doing. It’s like they are stealing from me and confusing me with the transactions so that I can’t tell but something is up. When I go to the app to turn the card on, it states “card status update failed on our end, try again” but still nothing changes! They’ve had to refund hundreds of dollars to me because of them putting 6 NSF fees on my account at once. Definitely will be changing my direct deposit and switching banks! I can’t even put fuel in my car, it’s pathetic.

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Health

Health Grade Components

Overall
NCUA #62710
Year Chartered1956
Employees299
Primary Regulator
Profit Margin
Return on Assets - YTD1.71%
Return on Equity - YTD16.15%
Annual Interest Income$30.8MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$599.4MM$527.8MM
LoansQ4 2021vs Q4 2020$455.1MM$422.6MM
DepositsQ4 2021vs Q4 2020$529.8MM$471.7MM
Equity CapitalQ4 2021vs Q4 2020$63.0MM$51.9MM
Loan Loss AllowanceQ4 2021vs Q4 2020$3.1MM$4.4MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$3.1MM$3.3MM
Real Estate OwnedQ4 2021vs Q4 2020$0$98.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Pelican State Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pelican State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.89%$100-IRA Share
0.75%*-$50kKasasa Saver
OTHER TIERS: 0.55% $50k+
0.45%*$20k*-Regular Shares
OTHER TIERS: 0.30% $100 - $20k
0.45%*$20k*-Primary Shares
OTHER TIERS: 0.30% $100 - $20k
0.30%*$50k*-Business Shares
OTHER TIERS: 0.15% $100 - $1k | 0.20% $1k - $10k | 0.25% $10k - $50k
0.30%--Team Pelican Shares
0.25%--Christmas Club
0.25%$1k-Freedom Shares
0.25%--Vacation Club

Pelican State Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%-$7.5kKasasa Cash

Pelican State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.03%$500-60 Month CD
1.03%$10k-60 Month Jumbo CD
0.99%$500-48 Month CD
0.99%$10k-48 Month Jumbo CD
0.81%$500-36 Month CD
0.81%$10k-36 Month Jumbo CD
0.75%$500-24 Month CD
0.75%$10k-24 Month Jumbo CD
0.60%$500-12 Month CD
0.60%$10k-12 Month Jumbo CD
0.40%$500-6 Month CD
0.40%$10k-6 Month Jumbo CD

Pelican State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.03%$1k-60 Month IRA
1.03%$10k-60 Month Jumbo IRA
0.99%$10k-48 Month Jumbo IRA
0.99%$1k-48 Month IRA
0.81%$10k-36 Month Jumbo IRA
0.81%$1k-36 Month IRA
0.75%$10k-24 Month Jumbo IRA
0.75%$1k-24 Month IRA
0.60%$10k-12 Month Jumbo IRA
0.60%$1k-12 Month IRA
0.40%$10k-6 Month Jumbo IRA
0.40%$1k-6 Month IRA
Locations

Availability



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