BAYOU COMMUNITY 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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BAYOU COMMUNITY's 9 month CD of Deposit SPECIAL rates are at 4.00%, 6 month CD of Deposit rates are at 3.65%, 12 month CD of Deposit rates are at 3.60%, 12 month CD of Deposit (High Yield) rates are at 3.60%, 24 month CD of Deposit rates are at 3.50%. BAYOU COMMUNITY's Personal Loan Rates are at 5.75%.
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 by leaving a review below, or read customer reviews before you decide to use . BAYOU COMMUNITY Texas RatioBAYOU COMMUNITY's Texas Ratio is at 2.55%, which is considered excellent. The Texas Ratio for BAYOU COMMUNITY is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that BAYOU COMMUNITY 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
BAYOU COMMUNITY 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, BAYOU COMMUNITY 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.
Bank of Abbeville & Trust Co.
St Gabriel Branch 6190 Highway 74
Saint Gabriel, LA 70776 
BAYOU COMMUNITY CD Rates
BAYOU COMMUNITY Auto Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: BAYOU COMMUNITY
Website: http://www.bayoucfcu.com
Full Time Employees: 5Part Time Employees: 1 President: FRANK PANEPINTO CEO: MELISSA MALLET Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
6190 Highway 74
Saint Gabriel, LA 70776 Phone Number: 225-642-8663 Fax Number: 225-642-5909 FinancialsTotal 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:
96
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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About BAYOU COMMUNITYIs a member application needed to join BAYOU COMMUNITY?Yes, to access services at BAYOU COMMUNITY, a member application is required. Is there a first-time homebuyer program?Currently, BAYOU COMMUNITY provides a range of mortgage and home equity products. Is BAYOU COMMUNITY a safe place to deposit money?Yes, BAYOU COMMUNITY is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does BAYOU COMMUNITY offer online and mobile banking?Most modern institutions like BAYOU COMMUNITY provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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