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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Meritus Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 26, 2026
Meritus Federal Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Meritus Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.17%. Rates were last updated on 04/26/2026. Meritus 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 Meritus Federal Credit Union? Share your experience about Meritus Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Meritus Federal Credit Union. Meritus Federal Credit Union
Meritus FCU Main Office 515 Guilbeau Rd
https://www.merituscu.net Lafayette, LA 70506 6089 
Meritus Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Meritus 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 Meritus 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 Meritus Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Meritus Federal Credit Union
Website
https://www.merituscu.net
Address
515 Guilbeau Rd,
Lafayette, LA 70506 6089
Phone
337-989-2800
Fax
337-989-2816
President
Dale Henderson
CEO
Brian Leger
Full-Time Employees
75
Part-Time Employees
1
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.17%
Return on Assets (ROA)
-0.1594%
Return on Equity (ROE)
-1.2166%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
243,856,446
Total Amount of Shares and Deposits
207,289,140
Total Shares and Deposits < 1 Year
201,622,442
Total Shares and Deposits 1 3 Years
5,666,698
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
847,333
Total Uninsured Shares and Deposits > $250K (F+J)
847,333
Total Insured Shares and Deposits > $250K (item 17 less item K)
206,441,807
Total Interest Expense (Sum of items 6 8)
1,588,320
Share Certificates
1,226
Number of Accounts for Share Drafts
12,926
IRA KEOGH Accounts
309
Number of Accounts for Regular Shares
23,641
All other shares
2,141
Money Market Shares
446
Net Income (unless the amount is already included in Undivided Earnings)
-388,609
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,905,384
Total Liabilities
213,571,307
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Meritus Federal Credit UnionIs Meritus Federal Credit Union a safe place to deposit money?Yes, Meritus Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.1669525671501%, 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 Meritus Federal Credit Union operate?Meritus 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 Meritus Federal Credit Union?Yes, to access services at Meritus 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, Meritus 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, Meritus Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Meritus Federal Credit Union offer online and mobile banking?Most modern institutions like Meritus 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.merituscu.net. Compare to Other Credit Unions
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