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Old Spanish Trail Credit Union

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Old Spanish Trail Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Old Spanish Trail 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: August 30, 2026

Old Spanish Trail Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Old Spanish Trail Credit Union, and you can see how they compare in the Old Spanish Trail Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Old Spanish Trail Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.28%. Database rates last updated and verified on 08/30/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.28%

Excellent Lower than avg

Old Spanish Trail Credit Union
Old Spanish Trail Credit Union

2200 Old Spanish Trl
Westlake, LA 70669 7800

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Old Spanish Trail 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 Old Spanish Trail 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 Old Spanish Trail Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Old Spanish Trail Credit Union

Website N/A

Address 2200 Old Spanish Trl, Westlake, LA 70669 7800

Phone 337-491-5025

Fax 337-491-5901

President Alberto Maxwell

CEO Kim Goodman

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

1.28%

Return on Assets (ROA)

0.5318%

Return on Equity (ROE)

1.7955%

Non-Performing Loans Ratio (NPL)

0.51%

Total Assets

5,685,385

Total Amount of Shares and Deposits

3,975,618

Total Shares and Deposits < 1 Year

3,975,618

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

3,975,618

Total Interest Expense (Sum of items 6 8)

3,035

Number of Accounts for Regular Shares

1,017

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)

767,591

Total Liabilities

4,001,370

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Old Spanish Trail Credit Union

How many branches does Old Spanish Trail Credit Union operate?

Old Spanish Trail 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 Old Spanish Trail Credit Union?

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

Does Old Spanish Trail Credit Union offer online and mobile banking?

Most modern institutions like Old Spanish Trail Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.