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Peoples Credit Union Rayne, LA

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Peoples Credit Union Rayne, LA Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples Credit Union Rayne, LA 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: September 23, 2026

Peoples Credit Union Rayne, LA's Auto Loan Rates are as low as 4.50%. MonitorBankRates evaluates the financial stability of Peoples Credit Union Rayne, LA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.46%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.46%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Peoples Credit Union Rayne, LA
People's Credit Union

904 E TEXAS AVE
Rayne, LA 70578

https://peoplescu.info/

Peoples Credit Union Rayne, LA Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	4.50%	Up to 72 mo.
Details Annual Percentage Rate (APR) as low as 4.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.46%
Used Vehicle Loan	-	-	5.75%	Up to 60 mo.
Details Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.46%
Find a Vehicle - Loan	-	-	9.00%
Details Credit Score: Above 749 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.46%
Find a Vehicle - Loan	-	-	12.00%
Details Credit Score: 700-749 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.46%
Find a Vehicle - Loan	-	-	13.00%
Details Credit Score: 650-699 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.46%
Find a Vehicle - Loan	-	-	14.00%
Details Credit Score: 600-649 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.46%
Find a Vehicle - Loan	-	-	18.00%
Details Credit Score: Under 599 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.46%

Peoples Credit Union Rayne, LA Other Rates

Product	Rate	Points	APY/APR	Term
Farm & Lawn Equipment	-	-	15.00%	1-5 years
Details Annual Percentage Rate (APR) 15.00% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.46%
Share accounts	0.85%	-	0.85%
Min Balance $100 Details Dividend rate determined the last month of each quarter for that quarter. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.46%

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.
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Financial Health History

Peoples Credit Union Rayne, LA’s Texas Ratio rose from 0.17% in Q2 2023 to 3.46% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
March 31, 2026	$25M	3.46%	5.0	A+
December 31, 2025	$24M	2.69%	5.0	A+
September 30, 2025	$24M	1.82%	5.0	A+
June 30, 2025	$24M	3.50%	5.0	A+
March 31, 2025	$24M	3.04%	5.0	A+
December 31, 2024	$24M	4.94%	5.0	A+
September 30, 2024	$24M	1.68%	5.0	A+
June 30, 2024	$25M	1.43%	5.0	A+
March 31, 2024	$25M	0.97%	5.0	A+
December 31, 2023	$25M	1.29%	5.0	A+
September 30, 2023	$24M	0.78%	5.0	A+
June 30, 2023	$25M	0.17%	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 Peoples Credit Union Rayne, LA 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 Peoples Credit Union Rayne, LA 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 Peoples Credit Union Rayne, LA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Peoples Credit Union Rayne, LA

Website https://peoplescu.info/

Address 904 E TEXAS AVE, Rayne, LA 70578

Phone 337-393-2495

Fax 337-393-2492

President Jeffrey Bouillion

CEO Tina Simon

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.46%

Return on Assets (ROA)

0.0442%

Return on Equity (ROE)

0.2283%

Non-Performing Loans Ratio (NPL)

1.71%

Total Assets

24,817,471

Total Amount of Shares and Deposits

19,936,251

Total Shares and Deposits < 1 Year

19,936,250

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

162,840

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

162,840

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

19,773,411

Total Interest Expense (Sum of items 6 8)

33,750

Number of Accounts for Share Drafts

1,368

Number of Accounts for Regular Shares

2,363

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)

1,792,437

Total Liabilities

20,013,887

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Peoples Credit Union Rayne, LA earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Peoples Credit Union Rayne, LA

How many branches does Peoples Credit Union Rayne, LA operate?

Peoples Credit Union Rayne, LA 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 Peoples Credit Union Rayne, LA?

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

Does Peoples Credit Union Rayne, LA offer online and mobile banking?

Most modern institutions like Peoples Credit Union Rayne, LA 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://peoplescu.info/.