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Access Of Louisiana Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 12, 2026
Access Of Louisiana Federal Credit Union's top rates as of October 12, 2026 are 3.91% APY on its 1 Year Silver CDs CD, 0.25% APY on savings, 7.50% on its Farm & Garden Equipment - New mortgage, and rv, boat and powersport loans from 7.20% APR, according to rates verified by MonitorBankRates. Other Access Of Louisiana Federal Credit Union CD rates include 1 Year IRA CD Accounts at 3.75%, IRA CD Account - 1 Year at 3.75%, and 1 Year CDs at 3.65%. MonitorBankRates evaluates the financial stability of Access Of Louisiana Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.68%. Rates last updated and verified on 10/12/2026.
Access Of Louisiana 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 Access Of Louisiana Federal Credit Union? Share your experience about Access Of Louisiana Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Access Of Louisiana Federal Credit Union.
Access Of Louisiana Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 95/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Access Of Louisiana Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
10.68%
ExcellentHigher than avg
Access Of Louisiana Federal Credit Union Texas Ratio
Access Of Louisiana Federal Credit Union's Texas Ratio is 10.68%, which is considered excellent and is higher than the national average of 6.13%.
Access Of Louisiana Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Access Of Louisiana Federal Credit Union Health Trend
4.64% to 10.68% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Access Of Louisiana Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
1 Year Silver Share Certificates
3.84%
3.908%
1 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.91% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
1 Year IRA Certificate Accounts
3.69%
3.753%
1 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
IRA Certificate Account - 1 Year
3.69%
3.753%
1 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
1 Year Share Certificates
3.59%
3.65%
1 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
2 Year Silver Share Certificates
3.14%
3.186%
2 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.19% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
2 Year IRA Certificate Accounts
2.99%
3.031%
2 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.03% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
IRA Certificate Account - 2 Year
2.99%
3.031%
2 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.03% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
2 Year Share Certificates
2.89%
2.929%
2 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.93% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
6 Month Silver Share Certificates
2.44%
2.467%
6 Month
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.47% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
3 Year Silver Share Certificates
2.34%
2.365%
3 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.37% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
6 Month IRA Certificate Accounts
2.29%
2.314%
6 Month
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.31% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
IRA Certificate Account - 6 Month
2.29%
2.314%
6 Month
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 2.31% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
3 Year IRA Certificate Accounts
2.19%
2.212%
3 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.21% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
6 Month Share Certificates
2.19%
2.212%
6 Month
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.21% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
IRA Certificate Account - 3 Year
2.19%
2.212%
3 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 2.21% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
3 Year Share Certificates
2.09%
2.11%
3 Year
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.11% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Access Of Louisiana Federal Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
0.25%
0.25%
Min Deposit$25
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Christmas Club Savings
0.15%
0.15%
No additional details.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Regulare Share Savings
0.15%
0.15%
Min Deposit$25
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Access Of Louisiana Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Farm & Garden Equipment - New
-
-
7.50%
Up to 120 Months
DetailsPublished APR range: 7.50-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Access Of Louisiana Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Closed End
-
-
8.00%
60 Months
DetailsPublished APR range: 8.00-13.75%. Limits: Maximum Amount; 90% of the appraisal; Member is responsible for appraisal / attorney fees
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Home Equity Closed End
-
-
8.30%
84 Months
DetailsPublished APR range: 8.30-14.05%. Limits: $500,000.00; 90% of the appraisal; Member is responsible for appraisal / attorney fees
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 8.30% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Home Equity Closed End
-
-
8.60%
120 Months
DetailsPublished APR range: 8.60-14.35%. 90% of the appraisal; Member is responsible for appraisal / attorney fees
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 8.60% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Home Equity Closed End
-
-
8.90%
180 Months
DetailsPublished APR range: 8.90-15.65%. 90% of the appraisal; Member is responsible for appraisal / attorney fees
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Access Of Louisiana Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Car Loan
-
-
3.75%
24 Months
DetailsPublished APR range: 3.75-16.15%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
New Car Loan
-
-
4.00%
36 Months
DetailsPublished APR range: 4.00-17.40%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
New Car - 48 Months Loan
-
-
4.25%
48 Months
DetailsPublished APR range: 4.25-17.65%. Vehicles 1 or 2 years old, with less than 40,000 miles may be financed at new car rate
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
New Car Loan
-
-
4.25%
48 Months
DetailsPublished APR range: 4.25-17.65%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Car Loan
-
-
4.60%
36 Months
DetailsPublished APR range: 4.60-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 4.60% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
New Car Loan
-
-
4.75%
60 Months
DetailsPublished APR range: 4.75-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Car - 48 Months Loan
-
-
4.90%
48 Months
DetailsPublished APR range: 4.90-17.95%. Used Car loan; APR range shown as APR Limits; rates effective as of 08/01/2026
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.90% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Car Loan
-
-
4.90%
48 Months
DetailsPublished APR range: 4.90-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 4.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Car Loan
-
-
5.20%
60 Months
DetailsPublished APR range: 5.20-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 5.20% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
New Car Loan
-
-
5.25%
72 Months
DetailsPublished APR range: 5.25-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Car Loan
-
-
5.70%
72 Months
DetailsPublished APR range: 5.70-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
New Car - 84 Months Loan
-
-
5.75%
84 Months
DetailsPublished APR range: 5.75-9.75%.
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 5.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
New Car Loan
-
-
5.75%
84 Months
DetailsPublished APR range: 5.75-9.75%. Vehicles 1 or 2 years old, with less than 40,000 miles, may be financed at new car rate
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Car - 84 Months Loan
-
-
6.25%
84 Months
DetailsPublished APR range: 6.25-10.35%. Used Car loan; APR range as printed
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Car Loan
-
-
6.25%
84 Months
DetailsPublished APR range: 6.25-10.35%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Access Of Louisiana Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycles/4-Wheelers - New Loan
-
7.00%
60 Months
DetailsPublished APR range: 7.00-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Motorcycles/4-Wheelers - New Loan
-
7.00%
72 Months
DetailsPublished APR range: 7.00-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Boat, Motor, Trailer & Personal Watercraft - New Loan
-
7.20%
Up to 180 Months
DetailsPublished APR range: 7.20-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 7.20% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
RV's, Travel Trailers, Campers & Motorhomes - New Loan
-
7.20%
Up to 180 Months
DetailsPublished APR range: 7.20-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 7.20% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Motorcycles/4-Wheelers - Used Loan
-
8.00%
60 Months
DetailsPublished APR range: 8.00-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 8.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Motorcycles/4-Wheelers - Used Loan
-
8.00%
72 Months
DetailsPublished APR range: 8.00-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 8.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Boat, Motor, Trailer & Personal Watercraft - Used Loan
-
8.20%
Up to 180 Months
DetailsPublished APR range: 8.20-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 8.20% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
RV's, Travel Trailers, Campers & Motorhomes - Used Loan
-
8.20%
Up to 180 Months
DetailsPublished APR range: 8.20-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 8.20% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Access Of Louisiana Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Boat, Motor, Trailer & Personal Watercraft - New Loan
7.20%
Up to 180 Months
DetailsPublished APR range: 7.20-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 7.20% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Boat, Motor, Trailer & Personal Watercraft - Used Loan
8.20%
Up to 180 Months
DetailsPublished APR range: 8.20-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 8.20% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Personal - 12 Months Loan
10.55%
12 Months
DetailsPublished APR range: 10.55-17.95%. Loan limit: Up to $1,000.00
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 10.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Personal - 24 Months Loan
10.55%
24 Months
DetailsPublished APR range: 10.55-17.95%. Loan limit: Up to $1,000.00
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 10.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Personal - 48 Months Loan
10.55%
48 Months
DetailsPublished APR range: 10.55-17.95%. Loan limit: Up to $5,000.00
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 10.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Personal Loan
10.55%
12 Months
DetailsPublished APR range: 10.55-17.95%. Limits: Up to $1,000.00
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 10.55% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Personal Loan
10.55%
24 Months
DetailsPublished APR range: 10.55-17.95%. Limits: Up to $1,000.00
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 10.55% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Personal Loan
10.55%
36 Months
DetailsPublished APR range: 10.55-17.95%. Limits: Up to $2,500.00
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 10.55% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Personal Loan
10.55%
48 Months
DetailsPublished APR range: 10.55-17.95%. Limits: Up to $5,000.00
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 10.55% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Personal Loan
10.55%
60 Months
DetailsPublished APR range: 10.55-17.95%. Limits: Up to $15,000.00
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 10.55% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Access Of Louisiana Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Farm & Garden Equipment - Used
-
-
8.50%
Up to 120 Months
DetailsPublished APR range: 8.50-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Household Goods - 24 Months Loan
-
-
9.25%
24 Months
DetailsPublished APR range: 9.25-17.95%. Limits: $500 - $2,000; Plus mortgage fee; Any new item with a serial number
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 9.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Household Goods - 36 Months Loan
-
-
10.25%
36 Months
DetailsPublished APR range: 10.25-17.95%. Limits: $2,001 - $5,000; Plus mortgage fee; Any new item with a serial number
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 10.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Household Goods - 48 Months Loan
-
-
11.25%
48 Months
DetailsPublished APR range: 11.25-17.95%. Limits: $5,001 - $20,000; Plus mortgage fee; Any new item with a serial number
No change since Sep 14, 2026 · 10.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Household Goods Loan
-
-
11.25%
48 Months
DetailsPublished APR range: 11.25-17.95%. Limits: $5,001 - $20,000; Any new item with a serial number; Plus mortgage fee
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Land Only - 120 Months Loan
-
-
7.25%
120 Months
DetailsPublished APR range: 7.25%-17.25%. Limit: Up to $50,000.00; 90% of the appraisal or selling price, whichever is less; Member is responsible for appraisal/attorney fees; Rates effective as of 08/01/2026
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Land Only Loan
-
-
7.25%
120 Months
DetailsPublished APR range: 7.25%-17.25%. Limits: Up to $50,000.00; 90% of the appraisal or selling price, whichever is less; Member is responsible for appraisal / attorney fees
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 7.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Land Only Loan
-
-
7.25%
180 Months
DetailsPublished APR range: 7.25%-17.25%. Limits: $50,000.01 to $200,000; 90% of the appraisal or selling price, whichever is less; Member is responsible for appraisal / attorney fees
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 7.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Line Of Credit
-
-
11.55%
60 Months
DetailsPublished APR range: 11.55-17.95%. Variable Rates; Limits: Up to $15,000.00
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 11.55% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Mobile Homes - New Loan
-
-
8.25%
Up to 240 Months
DetailsPublished APR range: 8.25-17.25%.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Mobile Homes - Used Loan
-
-
10.25%
Up to 96 Months
DetailsPublished APR range: 10.25-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 10.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Mobile Homes - Used Loan
-
-
10.25%
Up to 120 Months
DetailsPublished APR range: 10.25-17.95%.
Last Updated10/12/2026
Rate History
No change since Sep 17, 2026 · 10.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Financial Health History
Access Of Louisiana Federal Credit Union’s Texas Ratio rose from 4.64% in Q3 2023 to 10.68% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ 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)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$44M
10.68%
5.0
A
March 31, 2026
$45M
5.77%
5.0
A+
December 31, 2025
$44M
19.05%
4.7
B+
September 30, 2025
$42M
20.01%
4.6
B
June 30, 2025
$43M
19.69%
4.6
B
March 31, 2025
$48M
15.99%
4.9
A-
December 31, 2024
$47M
22.34%
4.4
B-
September 30, 2024
$46M
11.32%
5.0
A
June 30, 2024
$46M
17.15%
4.8
B+
March 31, 2024
$45M
5.34%
5.0
A+
December 31, 2023
$45M
8.74%
5.0
A
September 30, 2023
$46M
4.64%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Access Of Louisiana 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 Access Of Louisiana 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 Access Of Louisiana Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameAccess Of Louisiana Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,359,199
Total Uninsured Shares and Deposits > $250K (F+J)
1,360,504
Total Insured Shares and Deposits > $250K (item 17 less item K)
38,581,500
Total Interest Expense (Sum of items 6 8)
327,433
Share Certificates
299
Number of Accounts for Share Drafts
1,322
IRA KEOGH Accounts
58
Number of Accounts for Regular Shares
4,032
All other shares
47
Non Member Deposits
12
Net Income (unless the amount is already included in Undivided Earnings)
34,271
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)
7,770,636
Total Liabilities
40,068,619
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Access Of Louisiana Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Frequently Asked Questions About Access Of Louisiana Federal Credit Union
How many branches does Access Of Louisiana Federal Credit Union operate?
Access Of Louisiana 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 Access Of Louisiana Federal Credit Union?
Yes, to access services at Access Of Louisiana 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, Access Of Louisiana 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, Access Of Louisiana Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Access Of Louisiana Federal Credit Union offer online and mobile banking?
Most modern institutions like Access Of Louisiana 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.access.coop/.
Current Access Of Louisiana Federal Credit Union Rates
12-Month CD3.65%
24-Month CD2.93%
Savings0.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
