2024 Overview
General Credit Union Information
Carter is an NCUA insured institution located in Springhill, LA. It was founded in 1954 and has approximately $721.54 millions in assets.
Who can join?
If you live, work, worship or attend school, or are a business or other legal entity in Caddo, Bossier, Webster, Bienville, Claiborne, DeSoto or Red River Parishes, and Columbia or Lafayette Counties, you can join Carter Federal. Your family members, co-workers and neighbors may also be eligible.
if you belong to a particular church, you may be eligible to join Carter Federal. Most catholic churches in the Northern Louisiana Catholic Diocese, as well as churches of other denominations in the area, provide you with access to Carter Federal Credit Union membership.
iI you work at one of their Select Employee Groups (SEGs) you are eligible to join. To find out, check with your Human Resources department. If your company is not an SEG, have them call Carter at 1-800-367-5026. Companies can add Carter Federal membership as a FREE employee benefit at no cost.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 9164 |
| Date Established | 1954 |
| Assets | $721.54 million |
| Loans | $557.87 million |
| Deposits | $543.09 million |
| Capital | $68.60 million |
Field of Membership Restrictions
Membership in Carter Federal Credit Union is open to those who live, work, worship or attend school, or are a business or other legal entity in Caddo, Bossier, Webster, Bienville, Claiborne, DeSoto and Red River Parishes in Louisiana or in Columbia and Lafayette Counties in Arkansas.
Deposit Rates - April 20, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $2,500 | $4,999 |
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|
|
Money Market
|
0.35% | $2,500 | $2,999 |
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|
|
Money Market
|
0.45% | $10,000 | $14,999 |
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|
|
Money Market
|
0.45% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.30% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.30% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.40% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.40% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.50% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.50% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.55% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.55% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.50% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.15% | $1 | $99 | Learn More |
| Int Ckg
|
0.15% | $2,500 | $3,499 | Learn More |
Loan Rates - April 20, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Carter
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Carter
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Branches
Below are Carter 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:
Columbus,Ohio
Climate Policy and Initiatives
CARTER is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Carter Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Carter. 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
| Carter | U.S. Average |
|---|---|
| 21.49% | 6.97 |
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, 2023, Carter had $15,583,342 in non-current loans and $183,386 in owned assets. To cover these potential losses it had $68,600,132 in net worth and $4,752,128 in loans loss reserves. That gives it a Texas Ratio of 21.49%.
Net Worth
| Carter | U.S. Average |
|---|---|
| 9.46% | 13.62% |
Carter FCU has a net worth of 9.46% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Carter
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