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Heart Of Louisiana Federal Credit Union

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Heart Of Louisiana Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heart Of Louisiana Federal Credit Union 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 17, 2026

Heart Of Louisiana Federal Credit Union's Personal Loan Rates are at 4.50%. MonitorBankRates evaluates the financial stability of Heart Of Louisiana Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.37%. Rates were last updated on 04/17/2026.

Heart Of Louisiana 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 Heart Of Louisiana Federal Credit Union? Share your experience about Heart Of Louisiana Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Heart Of Louisiana Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.37%

Excellent Lower than avg

Heart Of Louisiana Federal Credit Union
Corporate Office

303 Edgewood Dr
Pineville, LA 71360 5444

https://www.heartcu.org

Heart Of Louisiana Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.50%
Details As Low As Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Heart Of Louisiana 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 Heart Of Louisiana 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 Heart Of Louisiana Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Heart Of Louisiana Federal Credit Union

Website https://www.heartcu.org

Address 303 Edgewood Dr, Pineville, LA 71360 5444

Phone 318-619-1900

Fax 318-449-5519

President Michael Taylor

CEO Cynthia Beauregard

Full-Time Employees 42

Part-Time Employees 0

Branch Locations 4

ATM Locations 3

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

1.37%

Return on Assets (ROA)

0.7054%

Return on Equity (ROE)

4.1573%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

138,296,269

Total Amount of Shares and Deposits

115,740,674

Total Shares and Deposits < 1 Year

114,646,316

Total Shares and Deposits 1 3 Years

680,659

Total Shares and Deposits > 3 Years

413,699

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

1,904,177

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

1,904,177

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

113,836,497

Total Interest Expense (Sum of items 6 8)

243,544

Share Certificates

134

Number of Accounts for Share Drafts

8,996

IRA KEOGH Accounts

271

Number of Accounts for Regular Shares

19,941

All other shares

268

Non Member Deposits

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

975,535

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,299,189

Total Liabilities

115,076,141

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Heart Of Louisiana Federal Credit Union

Is Heart Of Louisiana Federal Credit Union a safe place to deposit money?

Yes, Heart Of Louisiana Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3697617281701%, 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 Heart Of Louisiana Federal Credit Union operate?

Heart Of Louisiana 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 Heart Of Louisiana Federal Credit Union?

Yes, to access services at Heart Of Louisiana 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, Heart Of Louisiana 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, Heart Of Louisiana Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Heart Of Louisiana Federal Credit Union offer online and mobile banking?

Most modern institutions like Heart Of Louisiana 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.heartcu.org.