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 Carter Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 12, 2026
Carter Federal Credit Union's top rates as of October 12, 2026 are 4.25% APY on its 36 Month CD/IRA CD, 2.02% APY on savings, 2.25% APY on checking, 7.00% on its 15 Year Fixed mortgage, personal loans from 11.05% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other Carter Federal Credit Union CD rates include 48 Month CD/IRA CD at 4.25%, 60 Month CD/IRA CD at 4.25%, and 24 Month CD/IRA CD at 4.15%. Other Carter Federal Credit Union mortgage rates include Mortgage - 20 Year Fixed at 7.25%, VA 30 Year Fixed at 7.12%, and Mortgage - 30 Year Fixed at 7.50%. MonitorBankRates evaluates the financial stability of Carter Federal Credit Union with a 3.8 Star Rating, an C- Overall Health Grade, and a Texas Ratio of 29.75%. Rates last updated and verified on 10/12/2026. Carter Federal Credit Union 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 Carter Federal Credit Union? Share your experience about Carter Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Carter Federal Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Carter Federal Credit Union CD Rates
Carter Federal Credit Union Savings Rates
Carter Federal Credit Union Business Savings Rates
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Carter Federal Credit Union Business Checking Rates
Carter Federal Credit Union Mortgage Rates
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Carter Federal Credit Union RV, Boat and Powersport Loan Rates
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Financial Health HistoryCarter Federal Credit Union’s Texas Ratio rose from 14.18% in Q3 2023 to 29.75% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.8 and its Health Grade from A- to C-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Carter Federal Credit Union 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 Carter Federal Credit Union 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 Carter Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Carter Federal Credit Union
Website
https://www.cartercu.org
Address
133 S Main St,
Springhill, LA 71075
Phone
318-539-4655
Fax
318-539-5104
President
Joyce Butler
CEO
Joe Arnold
Full-Time Employees
104
Part-Time Employees
2
Branch Locations
14
ATM Locations
12
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.8 / 5.0 ★
Overall Health & Safety Grade
C- (73/100)
Texas Ratio
29.75%
Return on Assets (ROA)
0.3230%
Return on Equity (ROE)
3.7541%
Non-Performing Loans Ratio (NPL)
3.66%
Total Assets
762,919,060
Total Amount of Shares and Deposits
587,564,612
Total Shares and Deposits < 1 Year
414,123,662
Total Shares and Deposits 1 3 Years
93,611,614
Total Shares and Deposits > 3 Years
79,829,336
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
43,211,074
Total Uninsured Shares and Deposits > $250K (F+J)
43,459,074
Total Insured Shares and Deposits > $250K (item 17 less item K)
544,105,538
Total Interest Expense (Sum of items 6 8)
9,811,774
Share Certificates
3,481
Number of Accounts for Share Drafts
16,565
IRA KEOGH Accounts
740
Number of Accounts for Regular Shares
35,419
All other shares
83
Non Member Deposits
143
Money Market Shares
702
Net Income (unless the amount is already included in Undivided Earnings)
2,463,885
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
81,897,456
Total Liabilities
719,833,044
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Carter Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Carter Federal Credit Union
Frequently Asked Questions About Carter Federal Credit UnionHow many branches does Carter Federal Credit Union operate?Carter Federal Credit Union 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 Carter Federal Credit Union?Yes, to access services at Carter Federal Credit Union, 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, Carter Federal Credit Union 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, Carter Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Carter Federal Credit Union offer online and mobile banking?Most modern institutions like Carter Federal Credit Union 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: https://www.cartercu.org. Current Carter Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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