Calcasieu Teachers Credit Union Lake Charles LA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Calcasieu Teachers And Employees, your trusted financial partner in the heart of Lake Charles, Louisiana. Established in 1954, we have been dedicated to serving our community and helping members achieve their financial goals for nearly seven decades. With a strong membership base of 4,727 and total assets exceeding $57 million, we pride ourselves on being a stable and reliable choice for personal and business banking. Located at 1690 E Mcneese St, Lake Charles, LA 70607, our branch is designed with your convenience in mind. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, our team is here to assist you every step of the way. For those who prefer to reach us by mail, please send official correspondence to PO Box 16134, Lake Charles, LA 70616. Our commitment to excellence is reflected in our impressive financial standing: we hold over $6.29 million in deposits and maintain a net worth of $9.39 million. We also have total loans amounting to 1,540, ensuring that we can meet the diverse needs of our members while maintaining a solid financial foundation. Led by our experienced CEO, Jesse Busby, and Board President, Craig Barber, our passionate team of 13 employees is here to provide personalized service tailored just for you. We understand that trust is earned through relationships, which is why we prioritize your satisfaction above all else. At Calcasieu Teachers And Employees, we're not just about numbers; we're about making a difference in our community. We invite you to explore the range of services we offer, from personal loans and credit cards with rewards to business banking solutions. Our online and mobile banking platforms make it easier than ever to manage your finances from anywhere. Ready to take the next step? Contact us today at 337-433-4525 or visit us at our branch. We're excited to help you embark on your financial journey!

Branch History & Mission

Embracing Innovation

In this fast-changing world, we've embraced digital advancements while ensuring accessibility for all members. With features like online banking and mobile payments available at your fingertips, managing your finances has never been easier. We also offer ATM access and drive-thru banking for those who prefer face-to-face interactions without leaving their vehicles. As we move forward into the future, our focus remains on enhancing member experiences while maintaining compliance with ADA standards. We aim to ensure that everyone can enjoy equal access to our services. We invite you to join Calcasieu Teachers And Employees and experience firsthand the benefits of being part of a community-focused credit union. Together, let's build a brighter financial future!

Our Mission

At the heart of Calcasieu Teachers And Employees is our mission: to empower our members through exceptional financial services while actively supporting the communities we serve. We understand that banking is not just about transactions; it's about building relationships based on trust and support. Whether it's helping someone purchase their first car or providing guidance through mortgage loans and refinancing options, we are here every step of the way. Our commitment extends beyond banking. We believe in giving back to the community that has supported us throughout the years. Through various outreach programs and partnerships with local organizations, we aim to make a positive impact on lives around us. While members can visit us at 1690 E Mcneese St Lake Charles La 70607, official correspondence should be sent to PO Box 16134, Lake Charles, LA 70616. Our lobby hours are Monday through Friday from 9 AM to 4:30 PM, making it convenient for you to stop by or give us a call at (337) 433-4525.

Branch Location & Accessibility

Convenient Access and Features

At our Lake Charles location, we prioritize your convenience. With ample parking available, you won't have to worry about finding a spot when you visit us. Our branch is fully compliant with ADA standards, ensuring that all members can access our services comfortably. Whether you prefer visiting us in person or utilizing our drive-thru service for quick transactions like deposits and withdrawals, we've got you covered. If you need to conduct official business or send correspondence, please note that while you can visit us at our branch address, any mail should be directed to PO Box 16134, Lake Charles, LA 70616.

Friendly Hours and Services

We understand that life can get busy! That's why our lobby hours are designed to fit into your schedule. We're open Monday through Friday from 9:00 AM to 4:30 PM, providing plenty of time for you to stop by after work or during your lunch break. Our branch offers a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Plus, we provide essential services like ATM access and cash withdrawal services for added convenience.

Ready to Assist You

We're always here to help! If you have questions or need assistance with your banking needs, don't hesitate to give us a call at 337-433-4525. Our team is ready and eager to assist you. We invite you to come visit us soon and experience the friendly service that makes Calcasieu Teachers And Employees not just a credit union but a part of your community!

Member Eligibility

At Calcasieu Teachers And Employees, we believe in creating a warm and welcoming community where everyone can thrive. Becoming a member is straightforward and open to those who live, work, or attend school in the Calcasieu Parish area, as well as their family members. Whether you're looking for friendly banking solutions, low-interest loans, or simply a place that puts your needs first, you'll find it here with us. Our members enjoy personalized service and a variety of financial products tailored just for them. To learn more about the eligibility requirements and how you can join our community, please visit http://www.calteacherscu.com/join. If you're ready to take the next step or have any questions, feel free to reach out at (337) 433-4525. We're excited to welcome you into the Calcasieu Teachers And Employees family!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

Managing transactions smoothly is crucial for any business. Our merchant services offer practical tools that help you accept payments quickly and securely, allowing you to focus on what matters most serving your customers. Imagine effortlessly processing payments at the counter or online while keeping track of sales data in real time. That's how we simplify daily operations for businesses just like yours. Explore how Calcasieu Teachers And Employees can be your partner in success! Visit us at 1690 E Mcneese St Lake Charles La 70607, Lake Charles, LA, or call us at (337) 433-4525 to learn more about our business banking options today!

Supporting Your Growth with Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

We also ensure that you have access to cash when needed through our ATM services available at our branch and locations throughout Lake Charles. If you prefer face-to-face interactions but value efficiency, our basic drive-thru banking provides a quick way to handle deposits, withdrawals, and other simple transactions without leaving your car. At Calcasieu Teachers And Employees, located at 1690 E Mcneese St Lake Charles La 70607, we strive to be more than just a credit union; we're a supportive partner in your financial journey. For more information about any of our services or to speak with one of our friendly representatives, feel free to call us at 337-433-4525 during lobby hours from 9 AM to 4:30 PM. Ready to take the next step? Visit us online at calteacherscu.com or stop by our branch today! We look forward to serving you!

Business Banking Services

For our business members, we offer comprehensive business banking solutions including merchant services and business loans. These services are designed to help local businesses thrive by providing the necessary financial support they need for growth.

Digital Banking Features

Understanding the importance of convenience in today's world, we proudly offer robust online and mobile banking features. With easy access to your accounts anytime, anywhere, you can manage your finances on the go. Our online banking platform allows you to check balances, transfer funds, and pay bills at your convenience. Additionally, our mobile app supports features such as person-to-person payments and mobile payments, making transactions quick and hassle-free.

Flexible Loan Options

In addition to auto and mortgage loans, we provide personal loans and debt consolidation services that can assist you in achieving your financial goals. Whether you're looking to fund a special project or need extra cash for unexpected expenses, our loan products come with competitive rates and flexible terms. Plus, if you're interested in building credit while earning rewards, our credit cards with rewards programs are an excellent choice.

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to help you manage your money effectively. You can choose from various account types that fit your lifestyle. If you're planning to purchase a new car or need to refinance your existing vehicle, our auto loans and vehicle financing options make it simple and affordable. For those considering home ownership, we offer mortgage loans and refinancing solutions that can help turn your dream into reality.

Digital & Online Banking

Key Features for Your Convenience

Our commitment to ease-of-use is reflected in our user-friendly mobile application, which is available for both Android and iOS devices. This app allows you to bank on the go, making it easier than ever to manage your finances from anywhere. Plus, with our mobile payments feature, you can make quick transactions right from your smartphone. Whether it's splitting a bill with friends through person-to-person transfers or simply paying for groceries, we've got you covered.

Secure and Accessible Banking

Security is always a priority at Calcasieu Teachers And Employees. Our online banking services incorporate advanced security measures to keep your information safe while giving you peace of mind. While we currently do not offer electronic signature authorization, we ensure that all other features maintain high-security standards. We also provide e-statements for those who prefer a paperless option. This not only helps the environment but also allows you to access your statements anytime, anywhere no need to wait for them to arrive in the mail! With our focus on real-time account management and accessibility, banking with us means you're always connected and in control of your finances. Explore the full range of services at https://www.calteacherscu.com/ and discover how we can support you in achieving your financial goals!

Financial Strength

At Calcasieu Teachers And Employees, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our commitment to sound financial practices, you can trust that your money is in good hands. With a net worth of $9,387,565, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 16.35% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $10,743,878 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. With $6,992,141 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $25,792,853 in total loans and leases and 317 used auto loans. Our $444,999 net income reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 6,374, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Calcasieu Teachers And Employees is your trusted partner. Visit us at 1690 E Mcneese St Lake Charles La 70607 or call 337-433-4525 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,059,880 in used vehicle loans and $6,326,815 in new vehicle loans already helping members get on the road. We offer financing solutions for both new and used vehicles to ensure you find the perfect fit for your budget and lifestyle.

Business Financing

For business owners in our community, we recognize that access to capital is crucial for growth. Although we currently do not have any outstanding commercial loans available at this time, we encourage interested members to reach out for potential future offerings. If you're unsure about eligibility or refinancing options available for any of our loan products, please don't hesitate to contact us directly at (337) 433-4525. Our dedicated team is ready to assist you in finding the right solutions based on your unique circumstances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial dreams with our comprehensive loan offerings!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,277,113, make buying or refinancing simple. We are here to guide you through the mortgage process and provide you with competitive rates that can help you secure your dream home.

Personal Loans and Credit Lines

For those looking for flexibility in managing their finances, we also offer substantial credit lines totaling $6,000,000. This option allows you to borrow what you need while only paying interest on what you use. Additionally, if you're considering consolidating debt or funding personal projects, our unsecured credit card loans can provide you with necessary financial support.

Loan Aggregator

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Call to Action

Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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 ensures that users receive fair and transparent offers. Each loan listing is verified for accuracy, providing peace of mind that you are comparing legitimate options.

Calcasieu Teachers And Employees