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 First Street Federal Credit Union Rates & Review October 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: October 23, 2026
First Street Federal Credit Union's Personal Loan Rates are as low as 8.50%. MonitorBankRates evaluates the financial stability of First Street Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.57%. Rates last updated and verified on 10/23/2026. First Street 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 First Street Federal Credit Union? Share your experience about First Street Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Street Federal Credit Union. First Street Federal Credit Union
FIRST STREET FEDERAL CREDIT UNION 709 W 1ST ST
https://www.1stfcu.com DERIDDER, LA 70634  Customer Reviews
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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. First Street Federal Credit Union Auto Loan Rates
First Street Federal Credit Union Personal Loan Rates
Financial Health HistoryFirst Street Federal Credit Union’s Texas Ratio rose from 0.03% in Q3 2023 to 0.57% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 First Street 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 First Street 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 First Street Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Street Federal Credit Union
Website
https://www.1stfcu.com
Address
709 W 1ST ST,
DERIDDER, LA 70634
Phone
337-463-7529
Fax
337-463-0116
President
JAMES CRAIN
CEO
KATHY POWELL
Full-Time Employees
8
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.57%
Return on Assets (ROA)
0.6567%
Return on Equity (ROE)
4.0360%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
60,639,347
Total Amount of Shares and Deposits
50,713,803
Total Shares and Deposits < 1 Year
50,713,803
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
832,953
Total Uninsured Shares and Deposits > $250K (F+J)
832,953
Total Insured Shares and Deposits > $250K (item 17 less item K)
49,880,850
Total Interest Expense (Sum of items 6 8)
602,962
Number of Accounts for Share Drafts
1,193
Number of Accounts for Regular Shares
3,694
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)
7,305,417
Total Liabilities
50,772,535
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for First Street Federal Credit Union
Frequently Asked Questions About First Street Federal Credit UnionWhat is the lowest personal loan rate at First Street Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for First Street Federal Credit Union is 8.50% APR on its Unsecured / Signature Loan, as of October 23, 2026. How many branches does First Street Federal Credit Union operate?First Street 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 First Street Federal Credit Union?Yes, to access services at First Street 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, First Street 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, First Street Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Street Federal Credit Union offer online and mobile banking?Most modern institutions like First Street 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.1stfcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do First Street Federal Credit Union rates compare?First Street Federal Credit Union's top rate is personal loans from 8.50% APR, verified by MonitorBankRates on October 23, 2026. To compare First Street Federal Credit Union with the top rates nationwide, see our best CD rates and best personal loan rates, updated daily from banks and credit unions across the country. Compare to Other Credit Unions
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