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Advertiser Disclosure
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SOUTHERN TEACHERS and PARENTS 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 22, 2026
SOUTHERN TEACHERS and PARENTS's Share Term CD - 6 month rates are at 3.75%, Share Term CD - 12 month rates are at 3.60%, Share Term CD - 24 month rates are at 3.50%. SOUTHERN TEACHERS and PARENTS's savings rates are at 0.25%. SOUTHERN TEACHERS and PARENTS's 1st Mortgage Home Loans rates are at 5.12%. SOUTHERN TEACHERS and PARENTS's Personal Loan Rates are as low as 9.00%. MonitorBankRates evaluates the financial stability of SOUTHERN TEACHERS and PARENTS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.31%. Rates last updated and verified on 10/22/2026. SOUTHERN TEACHERS and PARENTS 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 SOUTHERN TEACHERS and PARENTS? Share your experience about SOUTHERN TEACHERS and PARENTS by leaving a review below, or read customer reviews before you decide to use SOUTHERN TEACHERS and PARENTS. SOUTHERN TEACHERS and PARENTS
Southern Teachers & Parents FCU 728 Harding Blvd
http wwwstpfcucom Baton Rouge, LA 70807  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. SOUTHERN TEACHERS and PARENTS CD Rates
SOUTHERN TEACHERS and PARENTS Savings Rates
SOUTHERN TEACHERS and PARENTS Mortgage Rates
SOUTHERN TEACHERS and PARENTS Auto Loan Rates
SOUTHERN TEACHERS and PARENTS RV, Boat and Powersport Loan Rates
SOUTHERN TEACHERS and PARENTS Personal Loan Rates
SOUTHERN TEACHERS and PARENTS Other Rates
Financial Health HistorySOUTHERN TEACHERS and PARENTS’s Texas Ratio fell from 2.11% in Q3 2023 to 0.31% in Q2 2026, so its financial health has improved and is now 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 SOUTHERN TEACHERS and PARENTS 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 SOUTHERN TEACHERS and PARENTS 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 SOUTHERN TEACHERS and PARENTS's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SOUTHERN TEACHERS and PARENTS
Website
http wwwstpfcucom
Address
728 Harding Blvd,
Baton Rouge, LA 70807
Phone
225-775-8597
Fax
225-775-8614
President
David Hall
CEO
Jama Haynes
Full-Time Employees
12
Part-Time Employees
0
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+ (100/100)
Texas Ratio
0.31%
Return on Assets (ROA)
0.1059%
Return on Equity (ROE)
1.2089%
Non-Performing Loans Ratio (NPL)
0.06%
Total Assets
29,190,898
Total Amount of Shares and Deposits
26,411,610
Total Shares and Deposits < 1 Year
26,004,898
Total Shares and Deposits 1 3 Years
406,712
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
422,969
Total Uninsured Shares and Deposits > $250K (F+J)
422,969
Total Insured Shares and Deposits > $250K (item 17 less item K)
25,988,641
Total Interest Expense (Sum of items 6 8)
90,472
Share Certificates
176
Number of Accounts for Share Drafts
1,018
IRA KEOGH Accounts
83
Number of Accounts for Regular Shares
4,186
Non Member Deposits
1
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)
3,338,627
Total Liabilities
26,633,301
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About SOUTHERN TEACHERS and PARENTSDoes SOUTHERN TEACHERS and PARENTS offer CDs?Yes. SOUTHERN TEACHERS and PARENTS offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from SOUTHERN TEACHERS and PARENTS NCUA insured?Yes. SOUTHERN TEACHERS and PARENTS is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at SOUTHERN TEACHERS and PARENTS?The highest CD rate MonitorBankRates has verified for SOUTHERN TEACHERS and PARENTS is 3.75% APY on its Share Term CD - 6 month, as of October 22, 2026. What CD terms does SOUTHERN TEACHERS and PARENTS offer?The SOUTHERN TEACHERS and PARENTS CD terms we track include 6 month, 12 month and 2 year terms, with rates from 3.50% to 3.75% APY. The institution may offer other terms or specials that are not listed here, so check with SOUTHERN TEACHERS and PARENTS for its full lineup. What is the highest savings rate at SOUTHERN TEACHERS and PARENTS?The highest savings rate MonitorBankRates has verified for SOUTHERN TEACHERS and PARENTS is 0.25% APY on its Regular Savings, as of October 22, 2026. What is the lowest mortgage rate at SOUTHERN TEACHERS and PARENTS?The lowest mortgage rate MonitorBankRates has verified for SOUTHERN TEACHERS and PARENTS is 5.125% APR on its 1st Mortgage Home Loans, as of October 22, 2026. What is the lowest auto loan rate at SOUTHERN TEACHERS and PARENTS?The lowest auto loan rate MonitorBankRates has verified for SOUTHERN TEACHERS and PARENTS is 5.90% APR on its Leisure Recreational Vehicle Loan, as of October 22, 2026. What is the lowest personal loan rate at SOUTHERN TEACHERS and PARENTS?The lowest personal loan rate MonitorBankRates has verified for SOUTHERN TEACHERS and PARENTS is 9.00% APR on its Unsecured/Signature Loans, as of October 22, 2026. How many branches does SOUTHERN TEACHERS and PARENTS operate?SOUTHERN TEACHERS and PARENTS 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 SOUTHERN TEACHERS and PARENTS?Yes, to access services at SOUTHERN TEACHERS and PARENTS, 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, SOUTHERN TEACHERS and PARENTS 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, SOUTHERN TEACHERS and PARENTS provides members with tools to manage their accounts and build a solid financial history. Does SOUTHERN TEACHERS and PARENTS offer online and mobile banking?Most modern institutions like SOUTHERN TEACHERS and PARENTS 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 wwwstpfcucom. 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 SOUTHERN TEACHERS and PARENTS rates compare?SOUTHERN TEACHERS and PARENTS's top rates are 3.75% APY on its Share Term CD - 6 month, 0.25% APY on savings, 5.125% on its 1st Mortgage Home Loans and personal loans from 9.00% APR, verified by MonitorBankRates on October 22, 2026. To compare SOUTHERN TEACHERS and PARENTS with the top rates nationwide, see our best CD rates, best savings rates, best mortgage rates and best personal loan rates, updated daily from banks and credit unions across the country. Current SOUTHERN TEACHERS and PARENTS Rates
Retrieved from our database of financial products. Rates subject to change.
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