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Pelican State Credit Union

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Pelican State Credit Union Rates & Review October 2026

Q: Is a member application needed to join Pelican State Credit Union?

Yes, to access services at Pelican State 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pelican State 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 and Verified: October 13, 2026

Pelican State Credit Union's top rates as of October 13, 2026 are personal loans from 9.09% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Pelican State Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.93%. Rates last updated and verified on 10/13/2026.

Pelican State 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 Pelican State Credit Union? Share your experience about Pelican State Credit Union by leaving a review below, or read customer reviews before you decide to use Pelican State Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.93%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Pelican State Credit Union
Corporate Headquarters

2675 ONeal Ln
Baton Rouge, LA 70816-3124

https://www.pelicanstatecu.com

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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.

Pelican State Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	3.99%
Details As Low As; Sample auto loan is $50,000 for 36 months at a rate of 3.89%. APR is 3.99%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,473.89, with a maximum LTV of 100%, and a minimum credit score of 775. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

Pelican State Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat Loans	-	5.98%
Details As Low As; Sample boat loan is $50,000 for 48 months at a rate of 5.90%. APR is 5.98%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,172.15, with a maximum LTV of 110%, and a minimum credit score of 775. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.98% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
RV Loans	-	7.80%
Details As Low As; Sample RV loan is $50,000 for 72 months at a rate of 7.75%. APR is 7.80%, which includes a $75.00 Loan Documentation Fee, estimated payment of $870.78, with a maximum LTV of 110%, and a minimum credit score of 730. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%
Motorcycle Loans	-	9.20%
Details As Low As; Sample Motorcycle loan is $25,000 for 48 months at a rate of 9.04%. APR is 9.20%, which includes a $75.00 Loan Documentation Fee, estimated payment of $622.75, with a maximum LTV of 110%, and a minimum credit score of 730. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.20% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

Pelican State Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	13.00%
Details Currently rate as low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 9, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

Pelican State Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.09%
Details As Low As; Advertised rate is for an unsecured loan with a qualified rate of 8.9% for a $25,000 loan amount at 12 months. APR = Annual Percentage Rate. APR and the estimated monthly payment of $2,185.37 does include a $25 document fee. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.93%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Pelican State Credit Union’s Texas Ratio stayed near 12.52% in Q3 2023 to 12.93% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$885M	12.93%	5.0	A
March 31, 2026	$827M	13.54%	5.0	A
December 31, 2025	$801M	16.72%	4.9	A-
September 30, 2025	$820M	15.95%	4.9	A-
June 30, 2025	$812M	14.69%	5.0	A-
March 31, 2025	$769M	14.89%	5.0	A-
December 31, 2024	$725M	16.79%	4.9	A-
September 30, 2024	$735M	16.05%	4.9	A-
June 30, 2024	$749M	14.45%	5.0	A-
March 31, 2024	$738M	13.03%	5.0	A
December 31, 2023	$668M	12.25%	5.0	A
September 30, 2023	$678M	12.52%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Pelican State 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 Pelican State 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 Pelican State Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pelican State Credit Union

Website https://www.pelicanstatecu.com

Address 2675 ONeal Ln, Baton Rouge, LA 70816-3124

Phone 225-408-6100

Fax

President David Gill

CEO Jeffrey Conrad

Full-Time Employees 340

Part-Time Employees 4

Branch Locations 19

ATM Locations 19

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.93%

Return on Assets (ROA)

-0.1111%

Return on Equity (ROE)

-1.3498%

Non-Performing Loans Ratio (NPL)

1.54%

Total Assets

885,234,807

Total Amount of Shares and Deposits

797,243,713

Total Shares and Deposits < 1 Year

660,945,333

Total Shares and Deposits 1 3 Years

134,545,481

Total Shares and Deposits > 3 Years

1,752,899

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

34,102,437

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

34,102,437

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

763,141,276

Total Interest Expense (Sum of items 6 8)

8,899,826

Share Certificates

5,401

Number of Accounts for Share Drafts

49,136

IRA KEOGH Accounts

1,012

Number of Accounts for Regular Shares

100,608

All other shares

10,332

Non Member Deposits

Money Market Shares

162

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)

38,795,509

Total Liabilities

811,394,843

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Pelican State Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/pelican-state-credit-union-rates-review-62710">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Pelican State Credit Union

How many branches does Pelican State Credit Union operate?

Pelican State 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 Pelican State Credit Union?

Yes, to access services at Pelican State 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, Pelican State 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, Pelican State Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Pelican State Credit Union offer online and mobile banking?

Most modern institutions like Pelican State 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.pelicanstatecu.com.