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Southwest Louisiana Credit Union

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Southwest Louisiana Credit Union Rates & Review July 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southwest Louisiana 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: July 15, 2026

You can compare Southwest Louisiana Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.20%, 6-month share certificate rates at 1.46% and 3-month share certificate rates at 1.26%. Savings rates are at 0.04% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 5.97%. All these rates can be compared to Southwest Louisiana Credit Union rates. MonitorBankRates evaluates the financial stability of Southwest Louisiana Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.66%. Rates were last updated on 07/15/2026.

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

Verified Strong 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

4.66%

Excellent Lower than avg

Southwest Louisiana Credit Union
McNeese Corporate Office

2255 E McNeese St
Lake Charles, LA 70607

https://www.swlacu.com

Current Rate Availability

We do not have Southwest Louisiana Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Southwest Louisiana 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 Southwest Louisiana 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 Southwest Louisiana Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southwest Louisiana Credit Union

Website https://www.swlacu.com

Address 2255 E McNeese St, Lake Charles, LA 70607

Phone 337-477-9190

Fax

President Robert Collins

CEO Chad Miller

Full-Time Employees 66

Part-Time Employees 3

Branch Locations 4

ATM Locations 5

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

4.66%

Return on Assets (ROA)

0.4358%

Return on Equity (ROE)

2.7537%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

177,120,456

Total Amount of Shares and Deposits

149,383,866

Total Shares and Deposits < 1 Year

148,157,342

Total Shares and Deposits 1 3 Years

1,226,523

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

4,898,131

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

4,898,131

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

144,485,735

Total Interest Expense (Sum of items 6 8)

1,494,254

Share Certificates

1,278

Number of Accounts for Share Drafts

10,579

IRA KEOGH Accounts

188

Number of Accounts for Regular Shares

21,601

Non Member Deposits

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

771,863

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

778,895

Total Liabilities

154,391,981

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Southwest Louisiana Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Southwest Louisiana Credit Union

How many branches does Southwest Louisiana Credit Union operate?

Southwest Louisiana 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 Southwest Louisiana Credit Union?

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

Does Southwest Louisiana Credit Union offer online and mobile banking?

Most modern institutions like Southwest Louisiana 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.swlacu.com.