Bayou Community Federal Credit Union

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A short history of Bayou Community FCU

Since its inception in 1957 the Bayou Community Federal Credit Union has been serving its members in the CARVILLE, Louisiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by MELISSA MALLET, the Bayou Community FCU has grown its membership to over 1,057 with assets of more than $10,455,848. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (225) 642-8663 or email them at phscreditunion@cox.net to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in CARVILLE, LA.

General Information For Bayou Community FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 11782
Address PO BOX 87 
City CARVILLE 
State Louisiana 
Zip-Code 70721
Phone Number (225) 642-8663
Fax Number (225) 642-8702
Email Address: phscreditunion@cox.net
CEO/President MELISSA MALLET
Members 1,057 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 10,455,848 
Website http://www.carvilleefcu.com 

Compare Bayou Community Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Geismar Complex CU GCFCU 35294 Highway 30 70734 (225) 673-3371 No 4.07
Wymar CU Main Office 37269 Highway 30 70734 (225) 673-7191 No 7.21
Shell Geismar CU Shell Geismar FCU 38307 LA - 30 70734 (225) 647-1111 No 8.39
Iberville CU Iberville Federal Credit Union 57920 Fort St 70765 (225) 687-4836 No 9.19
C-f La. CU MAIN OFFICE 37200 HIGHWAY 3089 70346 (225) 473-0331 No 10.73

Bayou Community Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Bayou Community Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 5.00 4.00 7.00 5.00 N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 16 282 545 268 N/A
Rank Among All Louisiana Credit Unions 2 51 79 39 N/A

Bayou Community Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.50 N/A 0.75 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 66 N/A 215 N/A
Rank Among All Louisiana Credit Unions N/A 21 N/A 33 N/A
Bayou Community Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 5.000128149,646
All Other Unsecured Loans/Lines of Credit 12.000257310,402
Short-Term, Small Amount Loans (STS) (Federal CU Only) 18.00072,194
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.0001403,070,025
Used Vehicle Loans 7.0001111,421,030
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.000261,589,479
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.00036864,050
TOTAL LOANS & LEASES 7057,406,826

Bayou Community Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 8675,26900
    b. 15 Years or less 17855,08100
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 159,12900
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 261,589,47900

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Bayou Community Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes