Rates & Fees

Savings

Rates and terms quoted below are subject to change without notice and are effective as of July 1, 2020.

Savings
SAVINGS ACCOUNT Minimum to Open Minimum Balance to Earn Dividends Dividend Rate APY* Compounded / Credited
¹Kasasa Saver® $5.00 $0.01 – $10,000

$10,000.01 and up

0.50%

0.25%

0.50%

0.25%

Monthly / Monthly
Regular Share Account $5.00 $100.00 0.05% 0.05% Monthly / Monthly
Super Saver Account $2,500.00 $2,500.00 – $7500.99

$7,501.00 – $25,000.99

$25,001.00 and up

0.10%

0.15%

0.20%

0.10%

0.15%

0.20%

Monthly / Monthly
Christmas Club Account $5.00 $100.00 0.05% 0.05% Monthly / Monthly
Vacation Club Account $5.00 $100.00 0.05% 0.05% Monthly / Monthly
Coverdell Education Savings Account $25.00 $1.00 0.20% 0.20% Monthly / Monthly
Lucky Lagniappe Savings Account $5.00 $100.00 0.05% 0.05% Monthly/Monthly
Louisiana Ring Savings Account Amount of first semester deposit Not applicable

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*APY = Annual Percentage Yield. Fees may reduce earnings on account. Dividend rates are subject to change after account opening. 

¹View Kasasa Saver® Terms & Conditions

View fees that may reduce earnings.

Certificates

Rates and terms quoted below are subject to change without notice and are effective as of November 1, 2022.

Certificates
SHARE CERTIFICATES Minimum to Open Minimum Balance to Earn Dividends Dividend Rate APY* Compounded / Credited
6-Month $500.00 $500.00 1.736% 1.750% Monthly / Monthly
12-Month $500.00 $500.00 1.982% 2.000% Monthly / Monthly
24-Month $500.00 $500.00 2.472% 2.500% Monthly / Monthly
36-Month $500.00 $500.00 2.959% 3.000% Monthly / Monthly
60-Month $500.00 $500.00 3.445% 3.500% Monthly / Monthly
Coverdell Education Savings Certificate Account
Coverdell Education Savings Certificate Account Minimum to Open Minimum Balance to Earn Dividends Dividend Rate APY* Compounded / Credited
6-Month $500.00 $500.00 1.736% 1.750% Monthly / Monthly
12-Month $500.00 $500.00 1.982% 2.000% Monthly / Monthly
24-Month $500.00 $500.00 2.472% 2.500% Monthly / Monthly
36-Month $500.00 $500.00 2.959% 3.000% Monthly / Monthly
60-Month $500.00 $500.00 3.445% 3.500% Monthly / Monthly

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*APY=Annual Percentage Yield. The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change.

IRAs

Rates and terms quoted below are subject to change without notice and are effective as of November 1, 2022.

IRAs
IRA Savings (Traditional or Roth) Minimum to Open Minimum Balance to Earn Dividends Dividend Rate APY* Compounded / Credited
IRA Savings Account $25.00 $1.00 0.20% 0.20% Monthly / Monthly
IRA Certificates
IRA Certificates (Traditional or Roth) Minimum to Open Minimum Balance to Earn Dividends Dividend Rate APY* Compounded / Credited
6-Month $500.00 $500.00 1.736% 1.750% Monthly / Monthly
12-Month $500.00 $500.00 1.982% 2.000% Monthly / Monthly
24-Month $500.00 $500.00 2.472% 2.500% Monthly / Monthly
36-Month $500.00 $500.00 2.959% 3.000% Monthly / Monthly
60-Month $500.00 $500.00 3.445% 3.500% Monthly / Monthly

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*APY=Annual Percentage Yield. The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change.

You may be subject to a 10 percent early distribution penalty tax on any taxable amount taken from either a Traditional or Roth IRA before you reach the age 59 1/2, unless you qualify for one of these penalty exceptions: disability, certain health insurance costs, certain medical expenses, higher education expenses, first-time homebuyers expenses, substantially equal periodic payments, IRS tax levy, qualified military reservist distributions, or death (beneficiary distributions). Contact your tax professional for complete details.

Checking

Rates and terms quoted below are subject to change without notice and are effective as of July 1, 2020.

Checking
Checking Account Minimum to Open Minimum Balance to Earn Dividends Dividend Rate APY* Compounded / Credited
¹ Kasasa Cash® $50.00 $0.01 – $5,000 2.959% 3.00% Monthly / Monthly
Regular Checking $50.00 $1,000.00 0.049% 0.05% Monthly / Monthly

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*APY=Annual Percentage Yield. Fees may reduce earnings on account. Must maintain a minimum daily balance of $1,000 to earn dividends. Offering rates may change. Average daily balance to earn dividends is $1,000. Dividends paid monthly. Please refer to our “Truth In Savings and Electronic Services Disclosure and Agreement” for specific details about any account. Penalty may be imposed for early withdrawal. Dividend rates are subject to change after account opening. 

¹When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the dividend rate earned on the entire average daily balance in the account will be 0.049% resulting in an APY of 0.05%. Kasasa Cash® Terms and Conditions 

Loans

Rates and terms quoted below are subject to change without notice and are effective as of April 1, 2021.

Loans
Secured/Collateralized Loan Repayment Term APR*
New Auto Up to 84 months 2.75% APR – 17.95% APR
Used Auto Up to 84 months 2.75% APR – 17.95% APR
New Motorcycle Up to 60 months 2.75% APR – 17.95% APR
Used Motorcycle Up to 48 months 2.75% APR – 17.95% APR
New RV or Travel Trailer Up to 144 months 2.75% APR – 17.95% APR
Used RV or Travel Trailer Up to 96 months 2.75% APR – 17.95% APR
New Boat Rig Up to 120 months 2.75% APR – 17.95% APR
Used Boat Rig Up to 84 months 2.75% APR – 17.95% APR
New Purchase (ATV, etc.) Up to 60 months 2.75% APR – 17.95% APR
Used Purchase (ATV, etc.) Up to 48 months 2.75% APR – 17.95% APR

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Secured/Collateralized Loan Disclaimer: APR = Annual Percentage Rate. Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. At 2.75% APR, pay 24 monthly payments of $42.88 per $1,000 borrowed. Your APR may differ based on your loan amount, repayment method, and other factors. There is a Loan Processing Fee of $20.00 for all loan application requests.

APR does not increase after the consummation of the loan. 

Down payment may be necessary.

New/Used Boat Rig Disclaimer: Boats must be purchased and registered in the state of Louisiana.


Personal Loans
PERSONAL LOANS Repayment Term APR*
Share (Savings) Secured Up to 120 months 2.00% APR1 above share APY1
Share Certificate Secured Up to 120 months 2.00% APR1 above share APY1
Line of Credit Up to 60 months 8.95% APR2 – 17.95% APR2
Signature / Personal Loan Up to 60 months 8.95% APR3 – 17.95% APR3

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1APR = Annual Percentage Rate. APY = Annual Percentage Yield. Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. At 3.11% APR (based on current APY), pay 120 monthly payments of $9.71 per $1,000 borrowed. Your APR may differ based on your loan amount, repayment method, and other factors. There is a Loan Processing Fee of $20.00 for all loan application requests. APR does not increase after consummation of the loan. 

2Line of Credit repayment is based on 60 month repayment term. This is an open-ended loan. Additional draws on line of credit may result in a longer repayment period based on the balance of the line of credit. At 8.95% APR, pay 60 monthly payments of $20.74 per $1,000 borrowed. Your APR may differ based on our internal credit criteria. There is a Loan Processing Fee of $20.00 for all loan application requests. Once line of credit is established, there is no fee for additional draws.

3Signature/Personal loans at 8.95% APR, pay 60 monthly payments of $20.74 per $1,000 borrowed. Your APR may differ based on our internal credit criteria. There is a Loan Processing Fee of $20.00 for all loan application requests.


Fixed-Rate Credit Card

Fixed-Rate Credit Card Grade Credit Score APR*
Mastercard® Platinum Rewards (Unsecured or Savings Secured) A+ 760+ 9.95% APR*
Mastercard® Platinum Rewards (Unsecured or Savings Secured) A 700-759 10.95% APR*
Mastercard® Platinum Rewards (Unsecured or Savings Secured) B 660-699 12.95% APR*
Mastercard® Platinum Rewards (Unsecured or Savings Secured) C 630-659 15.95% APR*
Mastercard® Platinum Rewards (Unsecured or Savings Secured) D 600-629 17.95% APR*
Mastercard® Platinum Rewards (Unsecured or Savings Secured) E 599 or Less 17.95% APR*
Mastercard® Platinum Rewards (Unsecured or Savings Secured) No Score No Score 17.95% APR*

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*APR = Annual Percentage Rate. Rates quoted are subject to change. Qualification is based on term (as applicable), credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval.

Mortgages

Contact our Mortgage Team at (337) 482-6956 or visit a branch for current rates.

Terms quoted below are subject to change without notice and are effective as of September 1, 2019.

Mortgage Products

Product Repayment Term
Fixed Rate Mortgage (Up to 90% CLTV, maximum of $400,000) Up to 30 years
Adjustable Rate Mortgage (Up to 90% CLTV, maximum of $400,000) Up to 30 years
Real Estate/Mobile Home Combination Loan (Up to 90% CLTV, maximum of $400,000) Up to 15 years
Vacant/Raw Land (Up to 90% CLTV, maximum of $150,000) Up to 15 years
Home Equity Line of Credit (Up to 90% CLTV, maximum of $150,000) Up to 15 years
Second Mortgage (Up to 90% CLTV, maximum of $400,000) Up to 15 years

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Payment Sample:
A Fixed-Rate loan of $100,000 for 15 years at 2.42% APR will have a monthly payment of $663.07.
A Fixed-Rate loan of $100,000 for 30 years at 2.89% APR will have a monthly payment of $415.78.

Fixed-Rate Mortgages do not adjust after consummation of the loan.

*Rates are based on an evaluation of credit history, so your rate may differ.
*Taxes and insurance not included; therefore, the actual payment obligation will be greater.
APR = Annual Percentage Rate

Loan approval: CLTV = Combined Loan to Value. All applicants MUST meet loan approval criteria which are based on credit history, debts, ability to repay, home ownership and home value. If pre-approved, a $200 non-refundable fee will be required to complete your loan process. A $200 Non-Refundable Application fee is charged once Member indicates their Intent to Proceed with the transaction, after the Loan Estimate has been delivered in any manner. Acceptable forms of intent to proceed include, verbal communication by phone or in person, email, or a signed pre-printed form. Terms are subject to change without notice based on factors such as, but not limited to, expiration of pre-approval, loan to value evaluation, and type of property. Contact a mortgage loan officer for complete details. ULFCU NMLS #411258.

Account Fees

Fees quoted below are subject to change without notice and are effective as of May 1, 2020.

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Savings (Share) and Checking (Share Draft) Fees

Fee Description Amount
Savings (Share) Withdrawal $5.00 per withdrawal after 2 per month
Super Saver Withdrawal $5.00 per withdrawal after 3 per month
Lucky Lagniappe Savings Account Early Withdrawal $10.00 for first withdrawal from account early
$25.00 for second withdrawal from account early
Vacation Club Withdrawal $5.00 per withdrawal after 2 per month
Christmas Club Early Withdrawal $25.00 for withdrawing from account early
Louisiana Ring Savings Account Withdrawal $5.00 for every withdrawal not intended for Ring Purchase. Submit Withdrawal Application to request funds.
Check Cashing $5.00 (waived for members that have accounts with balances over $100.00, loans or checking accounts)
Tax Levy $50.00
Regular Checking (Share Draft) Account Monthly Service Fee $5.00 per month (waived with $500 or more average daily balance OR direct deposit monthly)
Order for Personal Check Printing Prices vary depending on style
Share Backup Withholding Fee $25.00
Telephone Check $2.00 per check
Electronic Check Problem $20.00 per check
Return Deposit Item $5.00 per item
Check History $2.00 per printed page (free through Online Banking)
Draft Collection $5.00 to $20.00 per draft
Copy of Cleared Check $5.00 per copy
Share Draft Return (NSF) $29.00 per check
Daily Negative Balance Fee $1.50 per day
Overdraft Privilege $29.00 per transaction
Debit Card Fee $12.00 annually
Debit Card Dispute $10.00 per occurrence for valid charges
Dormant Share Savings Account Fee $5.00 per quarter (members age 18 to 62 with less than $5,000.00, no activity in 12 months, and no other ULFCU products)
Share Savings Account Early Closure Fee $25.00 (if closed within 6 months of opening account)
Account Re-Opening Fee $20.00
ACH One Time Set-Up Fee $5.00 per set up
Duplicate 1098 and/or 1099 $2.00
Letter of Credit $10.00
Statement Incorrect Address $5.00 per month
eStatement Incorrect Address $5.00 per month
Online Banking Fees (applicable to all accounts)
Fee Description Amount
Online Banking Free
Bill Pay Free
Bill Pay Check Copy Free
Other Service Fees (applicable to all accounts)
Fee Description Amount
Account Research $25.00 per hour
Account Reconciliation $25.00 per hour
Statement Copy $2.00 per page
Untraceable Accounts $50.00 per month after 12 months
Stop Payment $29.00 per request
Stop Payment Series of Checks $29.00 per request
Temporary/Counter Checks $5.00 per 12
Cashier/Credit Union Checks $1.00 per check
Reissue Cashier/Credit Union Check $10.00 per check
Lost or Stolen Cashier/Credit Union Check $28.00 per check
Wire Transfer-Continental U.S. $20.00 per transfer
Wire Transfer-International $50.00 per transfer
ATM Withdrawal-Foreign Machine (Non-MoneyPass® ATMs) $1.00 per withdrawal (surcharge free at MoneyPass® ATMs)
ATM Overdraft Privilege $29.00 per item
Debit Card Replacement $20.00 per replacement card
Debit Card Expedited Shipping $50.00 per card plus shipping cost
Debit Card PIN Replacement No charge
Telephone Banking Withdrawal No charge
Certified Checks $1.50 per check
ACH Electronic Return $29.00 per transaction
Pre-authorized EFT NSF $29.00 per transaction
Money Order $0.00 – $249.99 = $1.50 each $250.00 – $499.99 = $2.00 each $500.00 – $749.99 = $2.50 each $750.00 – $1,000.00 = $3.00 Money Orders over $1,000.00 are not available.
Share Value $5.00 per membership
Membership Fee $5.00 per membership
Garnishment $50.00
Fax for Member (Personal) $1.00 per page
Federal & State Refund Checks
Fee Description Amount
Federal Refund Check Cashing 1% of value of the check, any amount
State Refund Check Cashing 1% of value of check over $500.00
Other
Fee Description Amount
Loan Payment by Phone $9.00 per transaction using a credit card or debit card

Loan Fees

Fees quoted below are subject to change without notice and are effective as of May 1, 2020.

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Loan Servicing Fees
Fee Description Amount
Consumer Loan Application $20.00 per application
Mortgage Loan Application $200.00 per application
Mortgage Loan Origination Fee 1.50% of the amount of the loan
HELOC Application Fee $50.00 per application
Mortgage Loan Credit Report Fee $20.00 per credit report
Pay by Phone Fee $9.00 per loan payment
Loan Refinance Fee $20.00 per loan
Returned Check Fee $29.00 each loan payment reversed due to NSF
Late Fee 5% of the payment amount (minimum of $25.00)
Skip a Payment Promotion Fee $35.00 per loan for monthly payments below $499.99
$50.00 per loan for monthly payments $500.00 or over
Title Processing $18.00 per loan
Loan Payment Coupon Book $5.00
Loan Changed from Auto-Pay to Coupon Book $25.00 for loans less than $10,000.00
$50.00 for loans greater than $10,000.00
Member Loan Modification and/or Extension Fee $35.00
Member Loan Extension Fee $35.00
Research Loan History $15.00 for each year researched
Credit Card Fees
Fee Description Amount
Cash Advances Available upon request for ULFCU Credit Cards only
Pay by Phone Fee $9.00 per loan payment
Late Payment Fee $25.00
Over the Limit Fee $25.00
Expedited Shipping $50.00 per card + shipping cost
Card Replacement Fee $10.00
Duplicate Credit Card Statement $2.00 for first page, $1.00 per page after the first page
Rush Request for Temporary Credit Card Limit $5.00
Letter of Credit $10.00
Statement Incorrect Address $5.00 per month