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Vermilion School Employees Credit Union Rates & Review October 2026

Vermilion School Employees Credit Union's top rate as of October 13, 2026 is auto loans from 3.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Vermilion School Employees Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.82%. Rates last updated and verified on 10/13/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.82%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Vermilion School Employees Credit Union
Main Office
108 S East St
Abbeville, LA 70510
https://vermilioncu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Vermilion School Employees Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New and Used Auto - New or Used 70% Financing 3.00% - 3.00%
Details Rating: A Plus
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.00% APR · checked 2 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 70% Financing 3.50% - 3.50%
Details Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 80% Financing 3.50% - 3.50%
Details Rating: A Plus
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 80% Financing 4.00% - 4.00%
Details Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 70% Financing 4.50% - 4.50%
Details Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used Above 8O% Financing 4.50% - 4.50%
Details Rating: A Plus
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 80% Financing 5.00% - 5.00%
Details Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used Above 8O% Financing 5.00% - 5.00%
Details Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used Above 8O% Financing 6.00% - 6.00%
Details Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 70% Financing 7.00% - 7.00%
Details Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Six Years Old 7.00% - 7.00%
Details Rating: A Plus
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 7.00% ▼ 0.50 pts · high 7.50% / low 7.00%
6.50%7.25%8.00%Sep 14, 2026: 7.50% APROct 9, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.00%▼ from 7.50%
  • Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 80% Financing 7.50% - 7.50%
Details Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Six Years Old 7.50% - 7.50%
Details Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Seven Years Old 8.00% - 8.00%
Details Rating: A Plus
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 8.00% ▼ 0.50 pts · high 8.50% / low 8.00%
7.50%8.25%9.00%Sep 14, 2026: 8.50% APROct 9, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.00%▼ from 8.50%
  • Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used Above 8O% Financing 8.50% - 8.50%
Details Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 2 times
8.00%8.50%9.00%Sep 18, 2026: 8.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Seven Years Old 8.50% - 8.50%
Details Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 2 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Six Years Old 8.50% - 8.50%
Details Rating: B
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 8.50% ▲ 1.00 pts · high 8.50% / low 7.50%
6.50%8.00%9.50%Sep 14, 2026: 7.50% APROct 9, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.50%▲ from 7.50%
  • Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 70% Financing 9.00% - 9.00%
Details Rating: D
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 9.00% APR · checked 2 times
8.50%9.00%9.50%Sep 18, 2026: 9.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Eight Years Old 9.00% - 9.00%
Details Rating: A Plus
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.50% → 9.00% ▼ 0.50 pts · high 9.50% / low 9.00%
8.50%9.25%10.00%Sep 14, 2026: 9.50% APROct 9, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20269.00%▼ from 9.50%
  • Sep 14, 20269.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 80% Financing 9.50% - 9.50%
Details Rating: D
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 9.50% APR · checked 2 times
9.00%9.50%10.00%Sep 18, 2026: 9.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Eight Years Old 9.50% - 9.50%
Details Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 2 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Seven Years Old 9.50% - 9.50%
Details Rating: B
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 9.50% ▲ 1.00 pts · high 9.50% / low 8.50%
7.50%9.00%10.50%Sep 14, 2026: 8.50% APROct 9, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20269.50%▲ from 8.50%
  • Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Nine Years Old 10.00% - 10.00%
Details Rating: A Plus
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.50% → 10.00% ▼ 0.50 pts · high 10.50% / low 10.00%
9.50%10.25%11.00%Sep 14, 2026: 10.50% APROct 9, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202610.00%▼ from 10.50%
  • Sep 14, 202610.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used Above 8O% Financing 10.50% - 10.50%
Details Rating: D
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 10.50% APR · checked 2 times
10.00%10.50%11.00%Sep 18, 2026: 10.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Eight Years Old 10.50% - 10.50%
Details Rating: B
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.50% → 10.50% ▲ 1.00 pts · high 10.50% / low 9.50%
8.50%10.00%11.50%Sep 14, 2026: 9.50% APROct 9, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202610.50%▲ from 9.50%
  • Sep 14, 20269.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Nine Years Old 10.50% - 10.50%
Details Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 2 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Six Years Old 11.00% - 11.00%
Details Rating: C
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 11.00% ▲ 3.50 pts · high 11.00% / low 7.50%
4.00%9.25%14.50%Sep 14, 2026: 7.50% APROct 9, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.00%▲ from 7.50%
  • Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Ten Years Old 11.00% - 11.00%
Details Rating: A Plus
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 11.00% ▼ 0.50 pts · high 11.50% / low 11.00%
10.50%11.25%12.00%Sep 14, 2026: 11.50% APROct 9, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.00%▼ from 11.50%
  • Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Nine Years Old 11.50% - 11.50%
Details Rating: B
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.50% → 11.50% ▲ 1.00 pts · high 11.50% / low 10.50%
9.50%11.00%12.50%Sep 14, 2026: 10.50% APROct 9, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.50%▲ from 10.50%
  • Sep 14, 202610.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Ten Years Old 11.50% - 11.50%
Details Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 2 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Seven Years Old 12.00% - 12.00%
Details Rating: C
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 12.00% ▲ 3.50 pts · high 12.00% / low 8.50%
5.00%10.25%15.50%Sep 14, 2026: 8.50% APROct 9, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.00%▲ from 8.50%
  • Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Ten Years Old 12.50% - 12.50%
Details Rating: B
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 12.50% ▲ 1.00 pts · high 12.50% / low 11.50%
10.50%12.00%13.50%Sep 14, 2026: 11.50% APROct 9, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.50%▲ from 11.50%
  • Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Eight Years Old 13.00% - 13.00%
Details Rating: C
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.50% → 13.00% ▲ 3.50 pts · high 13.00% / low 9.50%
6.00%11.25%16.50%Sep 14, 2026: 9.50% APROct 9, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202613.00%▲ from 9.50%
  • Sep 14, 20269.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Six Years Old 13.00% - 13.00%
Details Rating: D
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 13.00% ▲ 5.50 pts · high 13.00% / low 7.50%
2.00%10.25%18.50%Sep 14, 2026: 7.50% APROct 9, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202613.00%▲ from 7.50%
  • Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Nine Years Old 14.00% - 14.00%
Details Rating: C
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.50% → 14.00% ▲ 3.50 pts · high 14.00% / low 10.50%
7.00%12.25%17.50%Sep 14, 2026: 10.50% APROct 9, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202614.00%▲ from 10.50%
  • Sep 14, 202610.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Seven Years Old 14.00% - 14.00%
Details Rating: D
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 14.00% ▲ 5.50 pts · high 14.00% / low 8.50%
3.00%11.25%19.50%Sep 14, 2026: 8.50% APROct 9, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202614.00%▲ from 8.50%
  • Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Eight Years Old 15.00% - 15.00%
Details Rating: D
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.50% → 15.00% ▲ 5.50 pts · high 15.00% / low 9.50%
4.00%12.25%20.50%Sep 14, 2026: 9.50% APROct 9, 2026: 15.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202615.00%▲ from 9.50%
  • Sep 14, 20269.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Ten Years Old 15.00% - 15.00%
Details Rating: C
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 15.00% ▲ 3.50 pts · high 15.00% / low 11.50%
8.00%13.25%18.50%Sep 14, 2026: 11.50% APROct 9, 2026: 15.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202615.00%▲ from 11.50%
  • Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Nine Years Old 16.00% - 16.00%
Details Rating: D
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.50% → 16.00% ▲ 5.50 pts · high 16.00% / low 10.50%
5.00%13.25%21.50%Sep 14, 2026: 10.50% APROct 9, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202616.00%▲ from 10.50%
  • Sep 14, 202610.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Ten Years Old 17.00% - 17.00%
Details Rating: D
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 17.00% ▲ 5.50 pts · high 17.00% / low 11.50%
6.00%14.25%22.50%Sep 14, 2026: 11.50% APROct 9, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202617.00%▲ from 11.50%
  • Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 70% Financing 18.00% - 18.00%
Details Rating: E
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 2 times
17.50%18.00%18.50%Sep 18, 2026: 18.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used 80% Financing 18.00% - 18.00%
Details Rating: E
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 2 times
17.50%18.00%18.50%Sep 18, 2026: 18.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
New and Used Auto - New or Used Above 8O% Financing 18.00% - 18.00%
Details Rating: E
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 2 times
17.50%18.00%18.50%Sep 18, 2026: 18.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Eight Years Old 18.00% - 18.00%
Details Rating: E
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.50% → 18.00% ▲ 8.50 pts · high 18.00% / low 9.50%
1.00%13.75%26.50%Sep 14, 2026: 9.50% APROct 9, 2026: 18.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202618.00%▲ from 9.50%
  • Sep 14, 20269.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Nine Years Old 18.00% - 18.00%
Details Rating: E
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.50% → 18.00% ▲ 7.50 pts · high 18.00% / low 10.50%
3.00%14.25%25.50%Sep 14, 2026: 10.50% APROct 9, 2026: 18.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202618.00%▲ from 10.50%
  • Sep 14, 202610.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Seven Years Old 18.00% - 18.00%
Details Rating: E
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 18.00% ▲ 9.50 pts · high 18.00% / low 8.50%
0.00%13.75%27.50%Sep 14, 2026: 8.50% APROct 9, 2026: 18.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202618.00%▲ from 8.50%
  • Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Six Years Old 18.00% - 18.00%
Details Rating: E
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 18.00% ▲ 10.50 pts · high 18.00% / low 7.50%
0.00%14.25%28.50%Sep 14, 2026: 7.50% APROct 9, 2026: 18.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202618.00%▲ from 7.50%
  • Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%
Used Vehicles Ten Years Old 18.00% - 18.00%
Details Rating: E
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 18.00% ▲ 6.50 pts · high 18.00% / low 11.50%
5.00%14.75%24.50%Sep 14, 2026: 11.50% APROct 9, 2026: 18.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202618.00%▲ from 11.50%
  • Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.82%

Financial Health History

Vermilion School Employees Credit Union’s Texas Ratio rose from 5.49% in Q3 2023 to 10.82% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.49% A+ Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 10.82% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$15M10.82%5.0A
March 31, 2026$15M9.03%5.0A
December 31, 2025$14M7.80%5.0A
September 30, 2025$15M9.43%5.0A
June 30, 2025$14M6.49%5.0A
March 31, 2025$14M6.23%5.0A
December 31, 2024$15M7.38%5.0A
September 30, 2024$15M7.35%5.0A
June 30, 2024$15M7.91%5.0A
March 31, 2024$15M8.32%5.0A
December 31, 2023$15M8.51%5.0A
September 30, 2023$15M5.49%5.0A+
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 Vermilion School Employees 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 Vermilion School Employees 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 Vermilion School Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Vermilion School Employees Credit Union
Address 108 S East St, Abbeville, LA 70510
Phone 337-898-1388
Fax 337-898-6011
President Kirk Soileau
CEO Chasity Landry
Full-Time Employees 3
Part-Time Employees 0
Branch Locations 2
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 (95/100)
Texas Ratio
10.82%
Return on Assets (ROA)
0.3332%
Return on Equity (ROE)
2.1404%
Non-Performing Loans Ratio (NPL)
2.81%
Total Assets
14,619,425
Total Amount of Shares and Deposits
12,166,216
Total Shares and Deposits < 1 Year
12,166,216
Total Insured Shares and Deposits > $250K (item 17 less item K)
12,166,216
Total Interest Expense (Sum of items 6 8)
116,594
Number of Accounts for Regular Shares
2,329
Net Income (unless the amount is already included in Undivided Earnings)
48,706
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)
1,815,139
Total Liabilities
12,343,948
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Vermilion School Employees Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/vermilion-school-employees-credit-union-rates-review-61540">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Vermilion School Employees Credit Union

How many branches does Vermilion School Employees Credit Union operate?

Vermilion School Employees 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 Vermilion School Employees Credit Union?

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

Does Vermilion School Employees Credit Union offer online and mobile banking?

Most modern institutions like Vermilion School Employees 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://vermilioncu.org.