Bayou Federal Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
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 $79.03 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9931
Date Established 1954
Assets $79.03 million
Loans $50.29 million
Deposits $70.09 million
Capital $10.84 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 - December 4, 2021

Your Current Location: Virginia, VA 20146

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 - December 4, 2021

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PADDIO
NMLS ID: 1907
3.126% 2.990% 0.75 $4,375 $1,053 Learn More
HomeLend Mortgage
NMLS ID: 138075
License#: MC-5650
2.752% 2.625% 0.75 $4,175 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$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:
Ashburn,Virginia



Climate Initiatives

BAYOU is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
3.82% 3.79

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 June 30, 2021, Bayou had $407,579 in non-current loans and $15,940 in owned assets. To cover these potential losses it had $10,836,637 in net worth and $260,428 in loans loss reserves. That gives it a Texas Ratio of 3.82%.

Net Worth
Bayou U.S. Average
13.71% 12.22%

Bayou FCU has a net worth of 13.71% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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