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BAYOU COMMUNITY

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BAYOU COMMUNITY Rates & Review April 2026

Q: How many branches does BAYOU COMMUNITY operate?

BAYOU COMMUNITY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join BAYOU COMMUNITY?

Yes, to access services at BAYOU COMMUNITY, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, BAYOU COMMUNITY does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BAYOU COMMUNITY provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 19, 2026

You can compare BAYOU COMMUNITY rates to other rates in our database, including 12-month share certificate rates currently at 3.30%, 6-month share certificate rates at 3.63% and 3-month share certificate rates at 3.80%. Savings rates are at 0.05% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to BAYOU COMMUNITY rates. MonitorBankRates evaluates the financial stability of BAYOU COMMUNITY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.55%. Rates were last updated on 04/19/2026.

BAYOU COMMUNITY money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BAYOU COMMUNITY? Share your experience about BAYOU COMMUNITY by leaving a review below, or read customer reviews before you decide to use BAYOU COMMUNITY.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.55%

Excellent Lower than avg

Bank of Abbeville & Trust Co.
St Gabriel Branch

6190 Highway 74
Saint Gabriel, LA 70776

http://www.bayoucfcu.com

Current Rate Availability

We do not have BAYOU COMMUNITY rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for BAYOU COMMUNITY is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather BAYOU COMMUNITY rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BAYOU COMMUNITY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BAYOU COMMUNITY

Website http://www.bayoucfcu.com

Address 6190 Highway 74, Saint Gabriel, LA 70776

Phone 225-642-8663

Fax 225-642-5909

President FRANK PANEPINTO

CEO MELISSA MALLET

Full-Time Employees 5

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.55%

Return on Assets (ROA)

0.8945%

Return on Equity (ROE)

9.4023%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

17,624,449

Total Amount of Shares and Deposits

15,865,307

Total Shares and Deposits < 1 Year

13,170,445

Total Shares and Deposits 1 3 Years

1,012,212

Total Shares and Deposits > 3 Years

1,682,650

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,292,945

Total Uninsured Shares and Deposits > $250K (F+J)

2,292,945

Total Insured Shares and Deposits > $250K (item 17 less item K)

13,572,362

Total Interest Expense (Sum of items 6 8)

185,598

Share Certificates

Number of Accounts for Share Drafts

707

Number of Accounts for Regular Shares

1,873

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

922,295

Total Liabilities

15,947,806

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for BAYOU COMMUNITY yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About BAYOU COMMUNITY

Is BAYOU COMMUNITY a safe place to deposit money?

Yes, BAYOU COMMUNITY is considered a safe financial institution. With a Texas Ratio of 2.5463977722151%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does BAYOU COMMUNITY operate?

BAYOU COMMUNITY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join BAYOU COMMUNITY?

Yes, to access services at BAYOU COMMUNITY, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, BAYOU COMMUNITY does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BAYOU COMMUNITY provides members with tools to manage their accounts and build a solid financial history.

Does BAYOU COMMUNITY offer online and mobile banking?

Most modern institutions like BAYOU COMMUNITY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.bayoucfcu.com.