Bayou

Headquarters

5880 Florida Blvd
Baton Rouge, LA 70806
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Bayou is an NCUA insured institution located in Baton Rouge, LA. It was founded in 1954 and has approximately $75.71 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9931
Date Established 1954
Assets $75.71 million
Loans $48.21 million
Deposits $67.03 million
Capital $10.65 million
 

Field of Membership Restrictions

Open to any person who is an employee of one of our Select Employee Groups, their immediate family members, and other household members. Those who live, work, worship, or attend school in the City of Baton Rouge.

Deposit Rates - April 11, 2021

Your Current Location: California, CA 92111

We do not yet have rates for Bayou

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Bayou
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Advertiser Disclosure

Loan Rates - April 11, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for BAYOU

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to BAYOU
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Bayou branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Financial Details

Bayou Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bayou. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Bayou U.S. Average
4.83% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Bayou had $469,620 in non-current loans and $58,474 in owned assets. To cover these potential losses it had $10,647,286 in net worth and $283,763 in loans loss reserves. That gives it a Texas Ratio of 4.83%.

Net Worth
Bayou U.S. Average
14.06% 12.67%

Bayou FCU has a net worth of 14.06% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Bayou

Branches and Savings

What is Bayou?

A federal credit union, registered with the NCUA under certificate #9931.
Learn more about credit unions here.

Is Bayou FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Bayou is insured by the NCUA.

Who can join Bayou?

Please see Field of Membership information above for information on who is eligible to join.

What are Bayou's share account and share certificate rates?

Bayou's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Bayou?

Bayou has total capital of $10.65 million. Full information on Bayou's financial position is located above.

Who owns Bayou?

Credit Unions are owned by their members.

Where are Bayou branches located?

See branch locations nearby.

Are Bayou ATMs Open 24/7?

Do Bayou ATMs accept cash deposits?

Can Bayou customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Bayou have a mobile app?

Does Bayou have mobile deposit?

Does Bayou have quick pay?

How can Bayou transfer money to other banks or credit unions?

Does Bayou report to credit bureaus?

Does Bayou use Chexsystems?

Does Bayou use Equifax?

What is Bayou's toll free phone number?

What is Bayou's ACH Routing Number?

What is Bayou's SWIFT code?

Where can I find Bayou's wire transfer form?

What is the Bayou address for deposits?

What Products Does Bayou Offer

Does Bayou offer mortgages?

Compare mortgage rates here.

Does Bayou offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bayou offer auto and RV loans?

Compare auto loan rates here.

Does Bayou offer student loans or personal loans?

Compare personal loan rates here.

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