Carter Credit Union Simsboro LA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Carter, your trusted partner in financial wellness located at 2735 Martha St, Simsboro, LA 71275. Established in 1954, we've built a strong community presence with over 34,736 members who count on us for their banking needs. At Carter Credit Union, we prioritize your financial journey by providing personalized services that cater to your unique situation. As a member-focused credit union, we are proud to manage total assets of $763,835,042 and have facilitated over 29,130 loans and leases. With total deposits reaching $59,232,313, our commitment to safeguarding your finances is unwavering. We also maintain a healthy net worth of $66,839,468, which speaks volumes about our stability and reliability. Our dedicated team of 131 employees, led by CEO Joe Arnold and Board President Joyce Butler, is always ready to assist you. Whether you're looking for personal banking options like checking and savings accounts or need help with auto loans and mortgages, we're here to support you every step of the way. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address: 2735 Martha Street, Simsboro, LA 71275. We invite you to explore our website at Carter Credit Union for more information about our services or give us a call at 318-247-8077. Join us today and experience the difference that comes with being part of a community-oriented credit union!

Branch History & Mission

At Carter, we take pride in our rich history and commitment to serving the community of Simsboro, Louisiana. Founded in 1954, our branch has been a cornerstone of financial support for families and businesses alike. Over the years, we've grown significantly, now boasting a total membership of 34,736 and total assets reaching an impressive $763,835,042. Located at 2735 Martha St, Simsboro, LA 71275, our branch is easily accessible to everyone in the area. Our friendly team is dedicated to providing personalized service that makes banking simple and approachable. Whether you're visiting us for drive-thru banking or accessing our ATM services, we strive to create a welcoming environment for all. Our mission at Carter is clear: we aim to empower our members through accessible financial solutions while fostering community growth. We offer a range of services including personal banking accounts, auto loans, mortgage financing, and business banking options. Our goal is not just to assist with transactions but to build lasting relationships that help individuals achieve their financial dreams. As we look back on our journey from a small credit union to one that plays a vital role in the community's economic health, we're proud of our contributions. We actively participate in local events and outreach programs that support various causes within Simsboro and beyond. We believe that when our community thrives, we all benefit. While members can visit us at 2735 Martha St for their banking needs, official correspondence should be sent to 2735 Martha Street, Simsboro, LA 71275 if different. Our operating hours are convenient too Monday through Thursday from 10:00 AM to 4:00 PM and Friday from 8:30 AM to 12:00 PM. As we continue to adapt with digital advancements like online banking and mobile payments, we remain focused on meeting the diverse needs of our members. Join us at Carter and discover how we can help you navigate your financial journey with confidence. Experience the benefits of being part of a credit union that truly cares about its members!

Branch Location & Accessibility

Convenience and Accessibility

At Carter Credit Union, we prioritize your convenience. Our branch features a drive-thru service for quick transactions, allowing you to manage your banking without leaving your car. For those who prefer to come inside, our lobby is open Monday through Thursday from 10 AM to 4 PM and Friday from 8:30 AM to 12 PM. Whether you're stopping by for a deposit or to discuss loan options, our friendly staff is here to assist you. Accessibility is important to us; our branch complies with ADA standards, ensuring that everyone can comfortably visit us. We also offer ample parking spaces right outside the entrance.

Get In Touch

We're excited to serve you! Feel free to give us a call at 318-247-8077 if you have any questions or need assistance. Come visit us today at Carter Credit Union's Simsboro Branch your trusted partner in achieving financial success!

Services Offered

Our Simsboro Branch provides a full range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. If you're looking for business banking services or online and mobile banking options, we make it easy for you to manage your finances on the go. We also have an ATM available for cash withdrawals and balance checks whenever you need them. While members can visit us at our physical location, official correspondence should be sent to our mailing address at 2735 Martha Street, Simsboro, LA 71275 if it differs from where you bank.

Member Eligibility

At Carter, we believe that everyone deserves the chance to be part of a welcoming and supportive community. Becoming a member is simple and open to individuals who live, work, worship, or attend school in our local area. If you have a family member who is already part of our credit union, you're also eligible! This means you can enjoy all the benefits we offer, from competitive rates on loans to personalized service tailored just for you. For detailed eligibility criteria. Opening an account with us is straightforward and designed to make you feel right at home. You can start the process by visiting us at 2735 Martha St Simsboro La 71275 or simply give us a call at (318) 247-8077 for assistance. We're here to help you every step of the way as you join the Carter family! For more information on how to open an account, check out this link: http://www.cartercu.org/loans/auto/apply-for-a-loan.

Business Banking & Commercial Services

Business Loan Options

Imagine expanding your storefront or upgrading your equipment to better serve your customers. With our commercial loan options, this vision can become a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $457 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $16 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $62,694,009, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services that simplify transactions for your customers. Picture this: accepting payments seamlessly at your point of sale while gaining insights into your sales patterns. Our services make managing finances easier, allowing you to focus on what you do best running your business. Visit us at 2735 Martha St Simsboro La 71275 in Simsboro, LA, or call us at (318) 247-8077 to learn how we can support your business's financial needs today!

Comprehensive List Of Services

Business Banking Solutions

For local entrepreneurs, Carter offers business banking services including merchant services and business loans. We believe in supporting our community's businesses so they can thrive! If you're looking to expand or start a new venture, let us partner with you on this exciting journey.

Digital Access at Your Fingertips

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options so you can manage your finances anytime, anywhere. With features like ATM access for quick withdrawals and balance checks, as well as person-to-person payment options for easy transactions between friends or family members, banking has never been simpler.

Drive-Thru Convenience

For those who prefer face-to-face service without stepping inside the branch, our drive-thru banking allows you to complete deposits and withdrawals quickly and efficiently from your vehicle. At Carter in Simsboro, LA, we are proud of the comprehensive suite of services we offer to meet all your financial needs. Whether you're stopping by for basic shared branch transactions or taking advantage of our full array of products online or through mobile apps, we're here to serve you. Feel free to reach out at 318-247-8077 or visit us online at Carter CU for more information or assistance with any of our offerings!

Home Sweet Home

When it comes to homeownership, Carter offers mortgage loans and refinancing options to help make your dreams a reality. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we provide personalized support every step of the way. Picture yourself settling into a cozy new space with our guidance!

Personal Banking Made Easy

We understand that managing your money can be overwhelming at times. That's why our personal banking services are designed with you in mind. From checking and savings accounts that help you manage your daily expenses to auto loans and vehicle financing options that make purchasing your dream car achievable, we've got you covered. Imagine cruising down the road in a new vehicle thanks to our flexible financing solutions!

Rewarding Credit Options

Our credit cards come with rewards that fit your lifestyle. Whether you're earning points for travel or cash back on everyday purchases, having the right credit card can enhance your spending power while keeping track of expenses easy.

Support for Your Goals

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation services come in handy. We want to help ease your financial burden and guide you toward a brighter future. With competitive rates and straightforward terms, managing your finances becomes a simpler task.

Digital & Online Banking

Easy Account Access

With our 24/7 online banking services available at https://www.cartercu.org/, you can check balances, make transfers, and pay bills whenever it suits you. Our user-friendly interface ensures you can navigate through your options with ease, giving you real-time access to your financial information. Plus, you can enjoy the peace of mind that comes from knowing your data is secure.

Mobile Banking at Your Fingertips

Our mobile application is designed for those who want to bank on-the-go. With features like mobile payments, you can leave your wallet at home while still being able to make purchases securely. From checking account balances to depositing checks right from your phone, our app puts control in your hands. In summary, Carter's digital and online banking services are tailored to enhance your banking experience. Enjoy easy access, robust security measures, and modern features that fit seamlessly into your lifestyle. Banking has never been this convenient!

Modern Features for Your Convenience

We offer electronic signature authorization, so you can sign documents digitally without any hassle. E-statements are also available for those who prefer going paperless just another way we make managing your finances simpler. If you're looking to send money quickly to friends or family, our person-to-person transfer feature allows you to do just that with a few taps on your mobile device.

Financial Strength

A Solid Foundation

With a net worth of $66,839,468, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.72% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Comprehensive Lending Capacity

Our lending capacity is significant. With $8,572 in used auto loans and a total of $612,511,020 in loans and leases overall, we are here to assist you across various sectors. Our net income of $656,854 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

We also take pride in having 124 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. This dedicated staff is here to guide you through every step of your banking journey.

Member Trust

Total Share Accounts stand at an impressive 59,984, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $683,326, further indicating our capability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Carter is your trusted partner. Visit us at 2735 Martha St Simsboro La 71275 or call 318-247-8077 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $242,990,729 in share certificates and $39,406,617 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $110,507,208, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Better Services

With $41,305,971 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to support your financial goals with confidence.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $115,206,975 in used vehicle loans and $34,882,082 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new vehicle or a reliable used car, our team is here to assist you every step of the way.

Business Loans

For business owners, our outstanding commercial loans totaling $62,694,009 provide the capital needed to grow and expand. We understand how important it is for businesses to have access to funds when they need them most.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,514,164 in loans helping members manage their finances effectively. This product is perfect for those looking to consolidate debt or make purchases without immediate cash availability.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,964,635, make buying or refinancing simple. We provide various options tailored to meet your specific needs and financial situation.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, our team can guide you through the process. We aim to make it as straightforward as possible so you can take advantage of lower rates or better terms when available. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Carter in Simsboro, we prioritize your financial well-being and are dedicated to providing personalized service that meets your unique needs. For inquiries or assistance with our loan offerings, don't hesitate to call us at 318-247-8077. Let us help you take your next step toward achieving your financial goals!

Loan Aggregator

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CARTER FEDERAL CREDIT UNION - Simsboro, LA

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