Southwest Louisiana Credit Union Lake Charles LA | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Southwest Louisiana, your trusted financial partner since 1952. Located at 317 W 18th St, Lake Charles, LA 70601, we take pride in serving our community with a warm and personal touch. With over 18,900 members, we're dedicated to providing financial services that meet the unique needs of each individual and business in our area. At Southwest Louisiana, we understand that financial well-being is about more than just numbers. It's about building relationships and helping you achieve your goals. Our total assets stand strong at $175,347,384, while our commitment to our members shines through in the $5,059,842 we've secured in total deposits. Whether you're looking for auto loans, mortgages, or personal banking solutions, we're here to help you navigate your financial journey with confidence. Our CEO, Chad Miller, alongside Board President Robert Collins, leads a team of 69 dedicated employees who are ready to assist you. With robust offerings including checking and savings accounts, business banking options, and online services like mobile banking and person-to-person transfers, we strive to provide convenience and accessibility for all your banking needs. While members can visit us at our branch location for personalized service, please note that official correspondence should be sent to our mailing address at 2255 E McNeese St, Lake Charles, LA 70607. Ready to take the next step? Give us a call at (337) 477-9190 or explore more about what we offer on our website: swlacu.com. Join us today and experience the difference of banking with a credit union that truly cares!

Branch History & Mission

Community Commitment

We believe that true success comes from uplifting those around us. Our partnerships with local organizations allow us to contribute positively to the community through outreach programs and initiatives that support education, health care, and economic development. Our drive-thru service provides an additional layer of convenience for those busy days when you need quick access to your funds or want assistance without stepping inside. And even though we do not currently offer ATM services at this branch location, our online banking features ensure you can manage your finances anytime from anywhere.

Join Us Today!

As we look toward the future, we're excited about what lies ahead for both our branch and our members. We invite you to become part of our growing family at Southwest Louisiana. Experience firsthand the benefits of membership where you're not just another number but part of something bigger a community dedicated to each other's success. For more information about joining or accessing our services, feel free to contact us at 337-477-9190 or visit us online at www.swlacu.com. Let's build a brighter financial future together!

Our Journey

From modest beginnings, Southwest Louisiana has evolved significantly over the years. We started as a small credit union dedicated to providing essential financial services to our local community. As we expanded our offerings and resources, we embraced modern banking technologies while maintaining our core values of service and accessibility. Today, we continue to prioritize member needs through innovative solutions like online banking and mobile applications. Our headquarters in Lake Charles stands as a testament to our commitment to the community. While you can visit us at our branch location for personal assistance or drive-thru services, official correspondence can be sent to our mailing address at 2255 E McNeese St, Lake Charles, LA 70607.

Our Mission

At Southwest Louisiana, our mission is clear: we aim to provide exceptional financial services that enhance the well-being of our members while giving back to the community we cherish. We understand that every member's journey is unique. That's why we offer tailored solutions ranging from checking and savings accounts to auto loans and business banking services. We take pride in being a responsible financial partner by offering guidance on loans and credit options that best suit your needs. Whether you're looking for a new vehicle or planning for your future through mortgage loans, we're here every step of the way.

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility for all our members. Our branch is equipped with ADA-compliant features to ensure everyone can navigate easily. There's ample parking available, so you won't have to worry about finding a spot when you visit us. If you're in a hurry or prefer staying in your car, our drive-thru service allows you to complete deposits, withdrawals, and simple transactions without leaving your vehicle.

Get In Touch!

Have questions or want to learn more? Feel free to give us a call at 337-477-9190. We look forward to welcoming you at our branch soon! Your financial journey starts here at Southwest Louisiana come see us today!

Operating Hours

Our friendly team is here to assist you Monday through Friday from 8 AM to 5 PM. Whether you need help opening an account or discussing loan options, we are ready to serve you during these hours.

Services Offered

At Southwest Louisiana, we offer a wide range of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Our online and mobile banking options make it even easier for you to manage your finances on the go!

Member Eligibility

At Southwest Louisiana, we believe that joining our community should feel welcoming and inclusive. Becoming a member is straightforward and open to anyone who lives, works, worships, or attends school in the area. You'll find that our doors are always open to individuals and families looking for a supportive financial partner. By choosing Southwest Louisiana, you're not just gaining access to great financial products; you're also becoming part of a community dedicated to helping each other thrive. To kick off your membership journey, simply visit us at 317 W 18Th St Lake Charles La 70601 or give us a call at (337) 477-9190 for more information. If you want to dive deeper into the eligibility criteria, check out our website at . When you're ready to take the next step, opening an account is easy! You can start the process online by visiting https://online.swlacu.com/auth/enrollment . We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services

Imagine having a reliable partner who helps you process payments effortlessly while you focus on what you do best. Our merchant services provide the tools you need to accept payments seamlessly, whether online or in-store. This convenience can help improve customer satisfaction and boost your sales. Located at 317 W 18Th St Lake Charles La 70601 in Lake Charles, LA, we're here to support the local business community. If you're ready to explore how we can help your business thrive, give us a call at (337) 477-9190 today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $53 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $6,182,121, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking services are crafted to support your entrepreneurial spirit. From merchant services to business loans, we have the tools needed to help your business thrive. We recognize the hard work that goes into running a business and want to be your partner in success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. With features like person-to-person payments and e-statements, managing your finances has never been easier. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go.

Drive-Thru Services

For members who prefer face-to-face interactions but need quick access, our drive-thru service allows for basic transactions like deposits and withdrawals without leaving your vehicle. At Southwest Louisiana, we pride ourselves on being more than just a credit union; we're part of the fabric of Lake Charles. Our dedicated team is here to provide personalized service that makes banking simple and effective. Ready to take control of your financial future? Visit us at 317 W 18th St or give us a call at 337-477-9190 today! Let us show you how we can support your financial goals with our wide range of services tailored just for you!

Home Loans

For those considering homeownership or refinancing an existing mortgage, our mortgage loans offer flexible terms and competitive rates. We know that buying a home is one of the biggest decisions you'll make, so our team is here to guide you through every step of the process.

Personal Banking

Whether you're looking to open a checking or savings account, we have personal banking options that fit your lifestyle. Our accounts come with competitive interest rates, making it easy for you to grow your savings over time. If you're in the market for a new vehicle, our auto loans and vehicle financing solutions are tailored to help you hit the road without breaking the bank. Imagine driving off in your dream car with a loan designed just for you!

Personal Loans and Credit Cards

In times of need, personal loans and debt consolidation options can provide a helping hand. Our credit cards come with rewards that allow you to earn while you spend perfect for everyday purchases or special occasions. Picture yourself enjoying rewards on every swipe!

Digital & Online Banking

E-Statements

Say goodbye to paper clutter with e-statements! We provide electronic statements that keep your account information organized and accessible. You'll receive notifications when your statements are ready, allowing you to review them securely online whenever it suits you.

Mobile Application

For those on the go, our mobile application makes banking even more convenient. Easily download our app to manage your accounts directly from your smartphone. From checking balances to making deposits or utilizing person-to-person transfers, everything is just a few taps away.

Mobile Payments

While we currently do not offer mobile payments, our focus remains on ensuring that all other digital tools work seamlessly for you. We strive to enhance your experience with features like person-to-person transfers, allowing you to send money quickly and securely to friends or family without the need for cash. At Southwest Louisiana, we prioritize security with robust measures in place to protect your personal information as you navigate our online services. Our user-friendly interface ensures that whether you're tech-savvy or new to online banking, you will find it easy to manage your finances effectively. Explore all these great features and more by visiting us at https://www.swlacu.com/ today! Your financial journey deserves the best tools available, and we're here to provide just that.

Financial Strength

Growing Member Base

Total Share Accounts stand at 33,480, showing a strong and growing member base that trusts us with their finances. This reflects not only our commitment to service but also the confidence our members have in us as their trusted partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southwest Louisiana is your trusted partner. Visit us at 317 W 18Th St Lake Charles La 70601 or call 337-477-9190 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income of $345,128 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 65 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Better Services

With $20,934,466 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $41,340,000 in total loans and leases, including 2,067 used auto loans, we support our members' financial goals across various sectors.

Secured Savings Opportunities

Members' savings are secured through $38,239,802 in share certificates and $1,209,504 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,849,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $27,428,241, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 15.62% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Information

If you're considering refinancing any of your existing loans or want to know about eligibility options, our team is ready to assist you. We strive to make the lending process as straightforward as possible. For more information on our loan offerings or to speak with one of our representatives, feel free to contact us at 337-477-9190 or visit us at 317 W 18Th St Lake Charles La 70601. You can also explore more about our services online at Southwest Louisiana. Remember, all 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're here to support your financial journey every step of the way!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $35,879,624 in used vehicle loans and $12,823,120 in new vehicle loans already helping members get on the road. We have options for both new and used vehicles, ensuring you can find financing that suits your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $6,182,121 provide the capital needed to grow and expand. We know how crucial it is for businesses to have access to funds when they need them most.

Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $5,572,548 in loans helping members manage their finances effectively. These credit cards come with benefits that can help you make the most out of your purchases while keeping your budget in check.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,448,164, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our knowledgeable team is here to guide you through the process.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness of our platform in delivering valuable insights. Ready to explore your options? 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.*

Ensuring Accurate Loan 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 to using verified sources ensures that the offers presented are fair and transparent. You can trust that the information you receive reflects actual rates from legitimate financial institutions.

SOUTHWEST LOUISIANA CREDIT UNION