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iAdvertiser Disclosure
Advertiser Disclosure
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 705 Federal Credit Union Rates & Review April 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: April 5, 2026
705 Federal Credit Union's 6 CDs rates are at 2.53%, 6 CDs * rates are at 2.53%, 12 CDs rates are at 2.37%, 12 CDs * rates are at 2.37%, 18 CDs rates are at 2.37%. 705 Federal Credit Union's Personal Loan Rates are at 11.50%. MonitorBankRates evaluates the financial stability of 705 Federal Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.64%. Rates were last updated on 04/05/2026. 705 Federal Credit Union 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 705 Federal Credit Union? Share your experience about 705 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 705 Federal Credit Union. 
705 Federal Credit Union CD Rates
705 Federal Credit Union Savings Rates
705 Federal Credit Union Checking Rates
705 Federal Credit Union Mortgage Rates
705 Federal Credit Union Auto Loan Rates
705 Federal Credit Union Credit Card Rates
705 Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 705 Federal Credit Union 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 705 Federal Credit Union 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 705 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
705 Federal Credit Union
Website
https://www.705fcu.com
Address
1455 W Willow St,
Lafayette, LA 70506 1026
Phone
337-232-8450
Fax
337-232-2786
President
Ronald Girouard
CEO
Cassie Theriot
Full-Time Employees
14
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (93/100)
Texas Ratio
14.64%
Return on Assets (ROA)
-0.2539%
Return on Equity (ROE)
-3.4936%
Non-Performing Loans Ratio (NPL)
1.53%
Total Assets
46,566,398
Total Amount of Shares and Deposits
42,812,993
Total Shares and Deposits < 1 Year
41,032,203
Total Shares and Deposits 1 3 Years
1,733,012
Total Shares and Deposits > 3 Years
47,777
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,059,420
Total Uninsured Shares and Deposits > $250K (F+J)
4,059,420
Total Insured Shares and Deposits > $250K (item 17 less item K)
38,753,573
Total Interest Expense (Sum of items 6 8)
506,415
Share Certificates
219
Number of Accounts for Share Drafts
1,622
IRA KEOGH Accounts
57
Number of Accounts for Regular Shares
3,921
All other shares
127
Non Member Deposits
2
Money Market Shares
124
Net Income (unless the amount is already included in Undivided Earnings)
-118,248
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,104,129
Total Liabilities
43,222,866
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About 705 Federal Credit UnionIs 705 Federal Credit Union a safe place to deposit money?Yes, 705 Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 14.640185094853%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does 705 Federal Credit Union operate?705 Federal Credit Union 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 705 Federal Credit Union?Yes, to access services at 705 Federal Credit Union, 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, 705 Federal Credit Union 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, 705 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does 705 Federal Credit Union offer online and mobile banking?Most modern institutions like 705 Federal Credit Union 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: https://www.705fcu.com. Compare to Other Credit Unions
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