Spelc Federal Credit Union

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A short history of Spelc FCU

Since its inception in 1956 the Spelc Federal Credit Union has been serving its members in the LAKE CHARLES, 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 LAURA MELANCON, the Spelc FCU has grown its membership to over 2,239 with assets of more than $10,590,642. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (337) 436-2257 or email them at SPELCFCU@SPELCFCU.COM to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in LAKE CHARLES, LA.

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

Charter Number 11203
Address 317 W 18TH ST 
State Louisiana 
Zip-Code 70601
Phone Number (337) 436-2257
Fax Number (337) 433-0979
Members 2,239 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 10,590,642 
Website http://WWW.SPELCFCU.COM 

Compare Spelc Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Calcasieu Parish Employees CU Corporate Office 1011 Lake Shore Dr ste 303 70602 (337) 439-4644 No 1.03
L C Municipal CU LC Municipal Federal 326 Pujo St Rm 418 70602 (337) 491-1357 No 1.05
Old Spanish Trail CU Old Spanish Trail Credit Union 2200 Old Spanish Trl 70669 (337) 491-5025 No 2.90
Calcasieu Teachers And Employees CU Lake Charles 2423 6th St 70616 (337) 433-4525 No 2.96
Southwest Louisiana CU SWLACU Downtown Branch 519 Kirby St 70605 (337) 433-5125 No 3.88

Spelc Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Spelc 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 9.90 2.74 2.74 10.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 113 70 489 100
Rank Among All Louisiana Credit Unions 27 16 6 71 5

Spelc Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.02 0.15 N/A 0.25 0.15
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 135 119 N/A 310 276
Rank Among All Louisiana Credit Unions 17 37 N/A 58 41
Spelc Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900127204,503
All Other Unsecured Loans/Lines of Credit 10.500309746,578
Short-Term, Small Amount Loans (STS) (Federal CU Only) 26.0002315,983
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.7401202,863,319
Used Vehicle Loans 2.7402182,687,910
Total 1st Mortgage Real Estate Loans/Lines of Credit 10.000215,393
Total Other Real Estate Loans/Lines of Credit 4.00017506,196
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.15082380,633
TOTAL LOANS & LEASES 8987,420,515

Spelc Federal Credit Union Real Estate Loans and Lines of Credit


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 0000
    b. 15 Years or less 215,39300
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 17506,196131,655
Open-End Fixed Rate 0000
TOTALS 19521,589131,655


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

Spelc 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 No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes