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your Dreams into Reality is our pleasure!
Dreams can quite easily become realities with a loan from
Bayou Federal. With our low interest rates and attractive
terms, combined with easy applications and quick approvals,
we make it easy for you to make your wishes come true!
We offer several loan products with the terms and rates that
fit your personal budget, including:
A Bayou FCU loan has convenience features to enhance your
lending experience with us:
- Online
applications – quick and easy
- No prepayment penalties
- All loans are simple interest
- Easy payments can be made automatically with Payroll
deduction, online at E-Teller, or over the phone with Personal
Teller 24-hour Account-by-Phone Automated Access
- Skip-a-Payment seasonal specials – For a small
fee, skip your loan payment for a month! (credit card and
real estate loans excluded)
- Payment Protection Plans
- Online Loan Calculators
Auto
Loans
Bayou FCU offers financing on new vehicles up to 100% of vehicle
purchase price plus tax, title, and license fees. Before you
become dazzled by the brilliance of the dealer showroom, contact
our Loan Officers for pre-approval information so you have
the controlled, purchase power you need, right at hand.
And remember, if you already have a vehicle financed at another
financial institution, you can refinance at Bayou FCU to structure
the term that fits your payment plan and a rate that will
save you money!
New, Used, and Refinanced Vehicles
- 100% financing available
- Terms up available up to 84 months
- Pre-approval before you shop
- Payment Protection Plans
- Affordable
Extended Warranties and GAP Insurance
Recreational
Vehicle Loans
Whether you’re looking for Boats, Campers, Motor Coaches
or 4-wheelers, we can finance your adventure on wheels!
- New and Used boats & RV’s qualify
- Up to 100% financing available
Share
Secured Loans
By using your credit union shares as security, you can build
your credit history, continue to save with interest, and borrow
what you need. No need to “cash in” when you can
use your savings as collateral!
- Share Savings or CD funds can be used as security
- Rate is 3% above what you are earning on your deposit
- Funds used as security for the life of the loan
Personal
Loans
Your signature is the only collateral we need! Personal loans
can be used for many purposes, including vacations, home appliances,
and holiday gifts. It’s simply up to you – that’s
what makes it so personal!
- Competitive rates
- Repay with convenient Payroll Deduction or automatic
debit from a credit union account
Education
Loans
With our Federal Family Education Loans
(including the Stafford and PLUS program and our Jump
Start Educational Loan, members can cover nearly
any and all education related expenses.
Our Jump Start Educational Revolving Line-of-Credit provides
members a jump start on private school tuition, college or
community college fees, nursing and medical school fees, and
specialized training programs. And don’t forget all
those other educational related purchases. This is the perfect
loan to use for computers, school rings, supplies, uniforms,
and so much more!
VISA
Credit Cards – Classic or Gold
Too many high interest plans with additional fees and charges
attached? You deserve better! Bayou FCU’s VISA®
is the one credit card program you can trust for value and
worldwide convenience. Our Classic or Gold VISA® card
provides members with:
- Credit limits up to $10,000.00
- Competitive interest rates
- Same low rates for purchase, cash advances, and balance
transfers
- No annual fees
- No fees for balance transfers or convenience checks
- Online account access
- Auto rental insurance
- 100% Liability protection on purchases
- Travel & Emergency Assistance, Warranty Protection
and Travel Accident Insurance on Gold Card
- Verified by Visa
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