705 Federal Credit Union Rates and Review February 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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705 Federal Credit Union's CDs rates are at 2.53%, CDs rates are at 2.37%, CDs rates are at 2.37%, CDs rates are at 2.22%, CDs rates are at 2.02%. 705 Federal Credit Union's Personal Loan Rates are at 11.50%.
705 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 705 Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . 705 Federal Credit Union Texas Ratio705 Federal Credit Union's Texas Ratio is at 14.64%, which is considered excellent. The Texas Ratio for 705 Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that 705 Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
705 Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, 705 Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
705 Federal Credit Union CD Rates
705 Federal Credit Union Savings Rates
705 Federal Credit Union Checking Rates
705 Federal Credit Union Mortgage Rates
705 Federal Credit Union Auto Loan Rates
705 Federal Credit Union Credit Card Rates
705 Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for 705 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 705 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 705 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: 705 Federal Credit Union
Website: https://www.705fcu.com
Full Time Employees: 14Part Time Employees: 0 President: Ronald Girouard CEO: Cassie Theriot Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
1455 W Willow St
Lafayette, LA 70506 1026 Phone Number: 337-232-8450 Fax Number: 337-232-2786 FinancialsTotal Assets:
46,566,398
Total Amount of Shares and Deposits:
42,812,993
Total Shares and Deposits < 1 Year:
41,032,203
Total Shares and Deposits 1 3 Years:
1,733,012
Total Shares and Deposits > 3 Years:
47,777
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
4,059,420
Total Uninsured Shares and Deposits > $250K (F+J):
4,059,420
Total Insured Shares and Deposits > $250K (item 17 less item K):
38,753,573
Total Interest Expense (Sum of items 6 8):
506,415
Share Certificates:
219
Number of Accounts for Share Drafts:
1,622
IRA KEOGH Accounts:
57
Number of Accounts for Regular Shares:
3,921
All other shares:
127
Non Member Deposits:
2
Money Market Shares:
124
Net Income (unless the amount is already included in Undivided Earnings):
-118,248
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
3,104,129
Total Liabilities:
43,222,866
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsfrPM
December 17, 2025
ZiqS
Add Your Rating and Review for 705 Federal Credit Union
Frequently Asked Questions About 705 Federal Credit UnionIs a member application needed to join 705 Federal Credit Union?Yes, to access services at 705 Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, 705 Federal Credit Union provides a range of mortgage and home equity products. Is 705 Federal Credit Union a safe place to deposit money?Yes, 705 Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does 705 Federal Credit Union offer online and mobile banking?Most modern institutions like 705 Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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