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Zellco Federal Credit Union

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Zellco Federal Credit Union Rates & Review August 2026

Q: Is a member application needed to join Zellco Federal Credit Union?

Yes, to access services at Zellco 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Zellco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Zellco Federal Credit Union's Personal Loan Rates are at 5.49%. MonitorBankRates evaluates the financial stability of Zellco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.71%. Rates last updated and verified on 08/30/2026.

Zellco 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 Zellco Federal Credit Union? Share your experience about Zellco Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Zellco Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.71%

Excellent Lower than avg

Zellco Federal Credit Union
Ave V

520 Avenue V
Bogalusa, LA 70427 4414

https://zellcofcu.org

Zellco Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Autos	-	-	5.49%
Details As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.71%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Zellco 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 Zellco 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 Zellco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Zellco Federal Credit Union

Website https://zellcofcu.org

Address 520 Avenue V, Bogalusa, LA 70427 4414

Phone 985-732-7522

Fax 985-732-2361

President RODNEY WASCOM

CEO BRIAN KING

Full-Time Employees 22

Part-Time Employees 0

Branch Locations 4

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.71%

Return on Assets (ROA)

1.6940%

Return on Equity (ROE)

5.4882%

Non-Performing Loans Ratio (NPL)

0.87%

Total Assets

92,762,249

Total Amount of Shares and Deposits

64,711,593

Total Shares and Deposits < 1 Year

63,850,781

Total Shares and Deposits 1 3 Years

860,816

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,975,609

Total Uninsured Shares and Deposits > $250K (F+J)

2,975,609

Total Insured Shares and Deposits > $250K (item 17 less item K)

61,735,984

Total Interest Expense (Sum of items 6 8)

570,294

Share Certificates

332

Number of Accounts for Share Drafts

3,497

IRA KEOGH Accounts

Number of Accounts for Regular Shares

8,279

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)

18,373,188

Total Liabilities

65,237,112

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Zellco Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Zellco Federal Credit Union

How many branches does Zellco Federal Credit Union operate?

Zellco 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 Zellco Federal Credit Union?

Yes, to access services at Zellco 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, Zellco 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, Zellco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Zellco Federal Credit Union offer online and mobile banking?

Most modern institutions like Zellco 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://zellcofcu.org.