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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
BAYOU COMMUNITY Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
BAYOU COMMUNITY's 9-Month CD SPECIAL rates are at 4.00%, 12-Month CD (High Yield) rates are at 3.85%, 60-Month CD rates are at 3.75%, 6-Month CD rates are at 3.65%, 24-Month CD rates are at 3.50%. BAYOU COMMUNITY's money market rates are at 0.40%. BAYOU COMMUNITY's Auto Loan Rates are as low as 5.75%. MonitorBankRates evaluates the financial stability of BAYOU COMMUNITY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.07%. Rates last updated and verified on 09/14/2026. BAYOU COMMUNITY money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BAYOU COMMUNITY? Share your experience about BAYOU COMMUNITY by leaving a review below, or read customer reviews before you decide to use BAYOU COMMUNITY. BAYOU COMMUNITY
Bayou Community F.C.U. 5445 POINT CLAIR RD
http://www.bayoucfcu.com CARVILLE, LA 70721 
BAYOU COMMUNITY CD Rates
BAYOU COMMUNITY Money Market Rates
BAYOU COMMUNITY Checking Rates
BAYOU COMMUNITY Auto Loan Rates
BAYOU COMMUNITY RV, Boat and Powersport Loan Rates
BAYOU COMMUNITY Other Rates
Financial Health HistoryBAYOU COMMUNITY’s Texas Ratio fell from 17.39% in Q2 2023 to 5.07% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for BAYOU COMMUNITY is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather BAYOU COMMUNITY rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with BAYOU COMMUNITY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
BAYOU COMMUNITY
Website
http://www.bayoucfcu.com
Address
5445 POINT CLAIR RD,
CARVILLE, LA 70721
Phone
225-642-8663
Fax
225-642-5909
President
FRANK PANEPINTO
CEO
MELISSA MALLET
Full-Time Employees
5
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.07%
Return on Assets (ROA)
0.3408%
Return on Equity (ROE)
3.4200%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
17,298,947
Total Amount of Shares and Deposits
15,369,854
Total Shares and Deposits < 1 Year
13,677,668
Total Shares and Deposits 1 3 Years
1,481,905
Total Shares and Deposits > 3 Years
210,281
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,481,827
Total Uninsured Shares and Deposits > $250K (F+J)
1,481,827
Total Insured Shares and Deposits > $250K (item 17 less item K)
13,888,027
Total Interest Expense (Sum of items 6 8)
48,314
Share Certificates
105
Number of Accounts for Share Drafts
785
Number of Accounts for Regular Shares
1,742
Non Member Deposits
2
Net Income (unless the amount is already included in Undivided Earnings)
74,002
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
485,566
Total Liabilities
15,575,293
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for BAYOU COMMUNITY yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for BAYOU COMMUNITY
Frequently Asked Questions About BAYOU COMMUNITYHow many branches does BAYOU COMMUNITY operate?BAYOU COMMUNITY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join BAYOU COMMUNITY?Yes, to access services at BAYOU COMMUNITY, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, BAYOU COMMUNITY does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, BAYOU COMMUNITY provides members with tools to manage their accounts and build a solid financial history. Does BAYOU COMMUNITY offer online and mobile banking?Most modern institutions like BAYOU COMMUNITY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.bayoucfcu.com. Current BAYOU COMMUNITY Rates
Retrieved from our database of financial products. Rates subject to change.
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