Bayou Credit Union Baton Rouge LA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Bayou your trusted financial partner located at 5880 Florida Blvd, Baton Rouge, LA 70806. Established in 1954, we have been proudly serving our community for decades, with a commitment to providing exceptional financial services tailored to meet the needs of our 7,869 members. At Bayou, we believe in fostering a welcoming environment where everyone can achieve their financial goals. Our credit union boasts impressive assets totaling $81,682,058, with $1,640,712 in deposits and a solid net worth of $12,024,399. With a dedicated team of 23 employees, led by our passionate CEO Rhonda Linzy and Board President George Munn, we work tirelessly to offer personalized service and support to every member who walks through our doors. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, Bayou is here to help you make informed financial decisions. We also provide business banking solutions including merchant services and business loans. Plus, with convenient features like online and mobile banking, ATM access, and drive-thru services, managing your finances has never been easier. While members can visit us at our branch address above for face-to-face assistance, please direct any official correspondence to our mailing address: 5880 Florida Blvd, Baton Rouge, LA 70806-4247. Join us at Bayou and discover how we can support your financial journey. If you have any questions or need assistance, don't hesitate to reach out at (225) 925-8800. We look forward to serving you!

Branch History & Mission

Community Engagement

We take pride in being part of the Baton Rouge community. Our shared service center allows us to partner with other credit unions, further expanding the range of services available to our members. Additionally, we offer ATM access for easy cash withdrawals and basic drive-thru banking for quick transactions. As technology advances, so do we. With online and mobile banking options available, accessing your finances has never been easier. We aim to make banking accessible for everyone while ensuring ADA compliance across our services.

Join Us Today!

We invite you to become part of the Bayou family. Experience firsthand how we blend financial expertise with genuine care for our members and community. Together, let's work towards achieving your financial dreams while making a positive impact on those around us. For more information or to open an account, give us a call at 225-925-8800 or visit our website at www.bayoufcu.org.

Mission Statement

At Bayou Credit Union, our mission is clear: we strive to provide exceptional financial services while fostering community well-being. We believe in empowering our members by offering personalized financial solutions that help them achieve their goals. Our dedication goes beyond traditional banking; we actively engage in community outreach initiatives and partnerships that uplift those around us. While members can visit us at 5880 Florida Blvd, official correspondence should be sent to 5880 Florida Blvd, Baton Rouge, LA 70806-4247 if different from the branch address. Our operating hours are designed with convenience in mind: Monday and Friday from 8:00 AM to 6:00 PM for drive-thru service and lobby hours on Tuesday through Thursday from 9:00 AM to 4:30 PM.

Branch Location & Accessibility

Accessibility Features

At Bayou, we prioritize accessibility for everyone. Our branch is designed to be welcoming and user-friendly, featuring ADA-compliant ramps and spacious parking areas. If you need assistance, our team is always ready to help you navigate your visit smoothly.

Connect with Us

While you can easily stop by our branch at 5880 Florida Blvd for all your banking needs, remember that official correspondence should be sent to the same address or feel free to give us a call at 225-925-8800. We invite you to come in today and experience the difference with Bayou Credit Union! Your financial journey starts here!

Operating Hours

We know that your time is valuable. That's why we offer flexible operating hours tailored to fit your busy schedule. You can visit us Monday through Thursday from 9:00 AM to 4:30 PM, and on Friday, we're open until 5:30 PM. Plus, our drive-thru service is available Monday and Friday from 8:00 AM to 6:00 PM, making it even easier for you to manage your banking on the go.

Services Offered

At Bayou, we provide a range of services designed to meet your financial needs from checking and savings accounts to auto loans and mortgage refinancing. Whether you're looking for personal loans or business banking solutions, our friendly staff is here to guide you every step of the way. And if you need cash quickly, our ATM is readily available for withdrawals and balance checks.

Member Eligibility

At Bayou, we believe that becoming a member is like joining a family where your financial well-being comes first. If you're looking to join our supportive community, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the East Baton Rouge area. This means if you're part of our local community, you're already eligible! Plus, we offer a range of services designed to help you achieve your financial goals, from savings accounts to auto loans and more. Getting started is simple! Just visit us at 5880 Florida Blvd Baton Rouge La 70806 or give us a call at (225) 925-8800 for any questions. You can also find detailed eligibility information by visiting our website at . We are here to guide you through the easy account-opening process and welcome you as one of our valued members!

Business Banking & Commercial Services

Merchant Services That Work

In today's fast-paced world, having efficient payment processing is crucial for any business. Our merchant services empower you to accept payments easily whether it's through credit cards or mobile payments ensuring your customers have a smooth shopping experience. Imagine serving your clients without delays at checkout; that's the advantage we bring. Ready to elevate your business? Visit us at 5880 Florida Blvd Baton Rouge La 70806 or call us at (225) 925-8800 to learn more about how we can assist you on your journey to success!

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $354,900, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our local entrepreneurs and business owners, we offer comprehensive Business Banking services, including merchant services and business loans. We know running a business comes with its challenges, so we're here to provide support every step of the way.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards program! Enjoy cash back and other benefits while making everyday purchases. It's a smart way to manage your spending while earning rewards along the way.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we emphasize our robust Online & Mobile Banking platforms. With online banking, you can manage your accounts, transfer money, pay bills, and even send money to friends with person-to-person payment options all from the comfort of home or on-the-go. Plus, enjoy ATM and cash withdrawal services at locations near you. Our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without needing to leave your car.

Personal Banking

We understand that managing your finances can sometimes be overwhelming. That's why we offer Personal Banking options that include checking and savings accounts designed to help you save while enjoying easy access to your money. Imagine having a checking account that not only keeps your funds safe but also offers features like e-statements and mobile payments for quick transactions right from your phone. When it comes to financing your dreams, our Auto Loans & Vehicle Financing make purchasing a car more accessible than ever. With competitive rates and flexible terms, you can drive away in your new vehicle without the stress of complicated financing. If you're considering buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services provide personalized support throughout the process. We work closely with you to find a plan that fits your budget and goals. For those unexpected expenses or financial adjustments, our Personal Loans & Debt Consolidation options are here to help ease the burden. Whether it's consolidating debt or funding a special project, we can assist you in finding the right solution.

Shared Branching Services

If you're a member of another credit union that participates in shared branching, you'll be pleased to know that we facilitate basic shared branch transactions as well. This means you can easily deposit or withdraw funds when visiting us at 5880 Florida Blvd Baton Rouge La 70806, ensuring access no matter where you are. At Bayou, we're dedicated to making your banking experience as smooth as possible. If you're ready to take advantage of any of these services or have questions about how they can benefit you directly, don't hesitate to reach out! Call us at (225) 925-8800, visit us in person at 5880 Florida Blvd Baton Rouge La 70806, or check out our website at Main Office for more information. We look forward to serving you!

Digital & Online Banking

Convenient Online Banking Services

With 24/7 online banking available at https://www.bayoufcu.org/ , you can check balances, pay bills, and transfer money at any time. Whether you're at home or on the go, accessing your accounts has never been easier. Enjoy the flexibility of banking on your schedule!

Enhanced Security Features

Your security is our priority. While we currently do not offer electronic signature authorization, we ensure that your online transactions are protected with robust security measures. You can bank with peace of mind knowing that your information is safe with us. At Bayou, we believe in providing services that fit into your lifestyle. Embrace the ease of digital banking today and experience how simple managing your finances can be! For more information about our digital services, visit us at https://www.bayoufcu.org/ or give us a call at (225) 925-8800.

Secure E-Statements

Say goodbye to paper clutter with our e-statements! Available for all members, these secure electronic statements allow you to view your account activity online anytime. It's not just convenient; it's also a step towards a greener planet.

User-Friendly Mobile Application

Our mobile application makes banking even more accessible. Download it today and take advantage of features like mobile payments and person-to-person transfers. Need to send money to a friend? No problem! With just a few taps, you can quickly transfer funds without the hassle of cash or checks.

Financial Strength

A Growing Community

With a total of 13,556 share accounts, we are building a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $604,101, highlighting our capability to meet your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Bayou is your trusted partner. Visit us at 5880 Florida Blvd Baton Rouge La 70806 or call (225) 925-8800 to learn more about how we can help you achieve your financial goals.

Commitment to Service

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for you. We also take pride in having 19 full-time employees and 4 part-time employees ready to assist you with personalized service.

Member-Centric Savings

Your savings are in safe hands at Bayou. Members' savings are secured through $15,996,194 in share certificates and $4,340,003 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

We believe in reinvesting back into our community. With $11,761,866 in undivided earnings, we enhance our services with innovative banking tools and stronger lending options. This means you benefit from improved security measures and new products tailored for your needs.

Solid Financial Foundation

With a net worth of $12,024,399, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,472 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

At Bayou, we understand that every member has unique financial goals. That's why we offer substantial support through lending options. With $901 in used auto loans and $57,528,508 in total loans and leases, our lending capacity supports members' financial aspirations across various sectors.

Loan Offering

Additional Benefits

If you're considering refinancing any existing loans or exploring eligibility options for our various products, our dedicated staff is here to help guide you through that process. We believe in making finance accessible and understandable for everyone. Your financial journey matters to us at Bayou located at 5880 Florida Blvd Baton Rouge La 70806, Baton Rouge, LA. For more information about our loan offerings or to speak with one of our representatives, feel free to call us at (225) 925-8800. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us assist you in achieving your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $20,213,495 in used vehicle loans and $17,698,885 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier for you to hit the road with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $354,900 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your growth journey with tailored financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,534,255, make buying or refinancing simple. We work closely with you to navigate the process and ensure you find a mortgage that suits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $571,941 in loans helping members manage their finances effectively. These credit cards can be an excellent way to build or improve your credit while enjoying the convenience of cashless transactions.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that users receive fair and transparent offers. Each loan listing is backed by verified data, giving users confidence in their choices.

BAYOU FEDERAL CREDIT UNION