Why Join Pelican?

We take time to listen.

couple smiling with pelican employee

We know that bad things happen to good people. At Pelican, we look at each and every member’s individual story—not just their credit score! We always take time to listen so that we can find the right product or service to help meet our members' needs. 

Quick Fact:  Because of our dedication to our members and their individual situations, Pelican has been recognized as a Low-Income Designated Credit Union (LID) and Community Development Financial Institution (CDFI).


Relationship-Based Lending
Our lending team is trained to listen to your story to get a total picture of your financial situation and will also consider your history with the credit union. Apply for a Loan >

Horizon Second-Chance Checking
Did you know that if you had credit or account issues in the past, most financial institutions won’t allow you to open a checking account? Because of this, we developed a checking account that gives our members a second chance! Get a Second Chance >

Pelican Pledge Visa® Credit Card
Creating and building credit can be hard! With our Pelican Pledge Visa®, use your savings account to secure a low variable APR! Learn About Our Pledge Visa® >

Skip Loan Payments
Unexpected costs come up in all of our lives! Skip your qualifying loan payment when YOU need to for just $25 per loan with our Skip-A-Pay program. Skip Your Next Loan Payment >

We are committed to financial wellness.

young woman meditating outside in sunlight

Your finances touch every single part of your life. If you’re not financially well, other areas of your life can also suffer. Pelican is committed to providing free financial wellness services and resources so you can achieve a happier future!

Quick Fact: In the last 5 years, our credit counselors have held almost 10,000 one-on-one credit counseling sessions with members, and over 100 members have graduated from our Financial Wellness Program as they achieved goals such as buying a home!


Free Credit Counseling
Any member of Pelican can take advantage of our award-winning, FREE Financial Wellness Program! Meet face-to-face with one of our Nationally Certified Credit Counselors and equip yourself with the knowledge and tools you need to make financially sound decisions and, in some cases, consolidate debt or improve credit. Schedule a Credit Counseling Session >

Free Community Workshops
Pelican regularly hosts Financial Wellness Workshops across the state, all at no cost! Get tips on budgeting, buying a home or car, and improving your credit score at a workshop near you! Attend a Workshop >

Pelican State of Mind Blog
We have so much to share with our members and community, we created a special place to keep it all! Our official blog covers all things family, fun and finance. Get financial life hacks, plan for the future, #AskPelican your most pressing questions, or read spotlights on businesses from around the state—all for free! Read Our Blog >

We are not-for-profit and member-owned.

young couple with daughter and pelican employee smiling

That means that our earnings are passed on to you in the form of dividends, competitive rates, high-quality products and services, and of course—giveaways!

Quick Fact: In 2017, Pelican members received over $2.6 million in dividends and over $24,000 worth of giveaways!


High Dividends on Checking Accounts
With a completely free checking account from Pelican, you could earn up to 4.01% APY* on balances up to $7,500 and unlimited ATM fee refunds—all for doing everyday things like swiping your debit card and receiving electronic statements instead of paper statements! Explore Checking Accounts >

Savings for All Ages and Stages of Life
Whether it's a Team Pelican account for your child, an IRA for retirement or anything in-between, we have savings accounts designed for every financial stage in your life. Explore Savings Accounts >

Unique Loan Products to Fit Your Needs
Do you want to finance a vehicle, home or even your child’s education? Maybe you're thinking about consolidating debt or are trying to establish or repair your credit. Whatever your goal is, we have a loan that can make that dream come true. View Our Rates >

We have a heart for service in our communities.

college of petey pelican and employees at service project

We live and work in Louisiana communities just like you do! Pelican is committed to making your community a better place to live by giving back to charity organizations, volunteering and sponsoring local organizations and schools.

Quick Fact: In 2017, Pelican committed over $39,000 to sponsorships, volunteered 808 hours of community service and raised $4,932 for our charity of the year!


The Beak Squad
Pelican’s Beak Squad is a volunteer and fundraising committee consisting of team members across the state. Each year, the Beak Squad encourages our team to become more involved in our communities. The committee also organizes fundraising events to benefit our Charity of the Year, selected by Pelican team members! Learn More About the Beak Squad >

College Scholarships
Each year, college-bound members apply for our Team Pelican Scholarship Program! In 10 years, we have awarded $56,000 in scholarships to 102 Louisiana high school graduates! Meet Our 2018 Scholarship Winners >

We make account access simple and convenient.

young man and woman looking at computer screen

It’s your money—access it when YOU need it! We devote time and resources to expanding our reach across the state, both in-person and online!

Branches Across the State
Pelican is the most geographically dispersed credit union in Louisiana! Whatever part of Louisiana you’re from (or if you’re lucky enough to frequently travel the great state) a Pelican branch is close by, ready to serve you. Find a Branch Near You >

Access to CO-OP Shared Branching
As much as we love Louisiana, most of us have to leave it every now and then! Because we are a part of the CO-OP Shared Branching Network, our members have free access to their Pelican accounts nationwide. Learn More >   or   Find a Shared Branch >

Anywhere Account Access
Access your account 24/7 without ever having to step into a branch! With Pelican@Net Online Banking and Bill Pay on your computer, or our PelicanMobile app on your smart phone, you can do things like apply for loans and make payments, deposit checks remotely, transfer balances to your Pelican Visa® credit cards, and even add travel notes to your account! Sign up for Pelican@Net >   or  Download PelicanMobile >

Online Chat
Need help with your account and don’t feel like waiting to speak on the phone? Use our convenient MyBranch Chat for account assistance, available Monday through Friday from 7 am to 6 pm! Click or tap the pink “CHAT NOW” icon to get started!

We invest in our employees.

large group of pelican employees

Working at Pelican is like being a part of a big, happy family—just ask any of our team members! Through our dedication to providing a positive culture and out-of-this-world benefits for the Pelican team, we believe they will return that same quality of care and service back to our members. Learn More About Careers at Pelican >

Quick Fact:  Pelican has been named Best Places to Work in Baton Rouge for 5 straight years by the Business Report!


More Team Members to Serve You
Compared to our peers who average 362 members per employee, Pelican has 208 members per employee, meaning we have more team members to serve you!*

Largest Credit Union Call Center in Louisiana
On average, we handle 3 times the number of calls per year compared to our peers—that’s 339,101 calls per year!

 

BECOME A MEMBER!

 


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*APY = Annual Percentage Yield. APYs accurate as of 10/02/2018. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) ATM fees (up to $4.99 per single transaction) incurred during qualification cycle will be reimbursed and credited to account by the second business day following the end on the last day of the statement cycle; (2) balances up to $7,500 receive APY up to 4.01%; and (3) balances over $7,500 earn 0.50% dividends on the portion of the balance over $7,500, resulting in an APY range up to 4.01% - 0.74% APY depending on the balance maintained, assuming a maximum $100,000 in 2nd tier. If qualifications are not met on Kasasa Cash, all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count toward qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher within 30 days after the statement cycle where the reimbursement was applicable in order to receive a refund. The advertised Kasasa Cash APY is based on compounding dividends. If member has a Kasasa Saver account, dividends earned on Kasasa Cash balances are automatically transferred to Kasasa Saver each statement cycle and do not compound. Actual dividends paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. Pelican reserves the right to restrict the number of Kasasa accounts per member.
*Loan Products: Pelican State CU membership required. Loan approval based on certain credit criteria and credit worthiness. Not everyone will qualify.
*Horizon Checking Account: Pelican State CU membership is required to open a Horizon checking account. If you are not a Pelican State CU member, you must be eligible to open a primary savings account with Pelican State CU to become a member. The deposit to open a primary savings account and become a member starts at a minimum of $10 ($5 to join + $5 minimum balance). Horizon minimum opening deposit is $25 with a $10 monthly fee. After 6 month period of acceptable account management, you can contact Pelican to request to move to a free checking account. To request to move to a free checking account, you must keep your Horizon checking account active and managed acceptably for 6 months and pay the fee of $10 for 6 consecutive months.
*Skip-A-Pay: Pelican State CU membership and loan required. Restrictions and requirements for Skip-A-Pay eligibility apply to each individual loan. Skipped payments will be deferred and extended to the end of the original term of the loan. The $25.00 processing fee per loan is due before any payments will be deferred. Additional interest will accrue on the deferred payment throughout this deferred payment period. One skipped payment equals: one monthly payment, two consecutive bi-weekly payments, two consecutive semi-monthly payments or four consecutive weekly payments. Skipped payment fees will affect the loan's annual percentage rate (APR) for the statement period. Not available on Opportunity Lines of Credit (OLOC), all types of Mobile Home Loans, Fresh Start Loans, Visa® Credit Cards, Mortgages, Home Equity Loans, Commercial Loans, Bridge Loans, Bridge Plus Loans, Balloon Loans or Single Pay Loans. Your loan is NOT eligible for Skip-A-Pay if: you have already skipped 3 payments on the loan; you have skipped a payment on the loan within the last 6 months; the loan payment due date is over 45 days away (you cannot skip future payments—only the next payment due); you have made less than 3 months’ worth of payments on a new loan; you are enrolled in Pelican’s Financial Wellness Program; your payment is more than 10 days late; and/or your Pelican account is not in good standing. If the skipped payment is paid by direct deposit or payroll deduction automatically, the funds will be transferred to a checking account (savings, if checking not available) instead of going toward the loan. Skipping a payment may reduce the amount received on GAP claims on a vehicle. No more than 3 skipped payments will be permitted through the term of each individual loan. If the loan payment you would like to skip comes to Pelican via ACH from another financial institution, you must request your skip at least 5 days before the loan payment is due. See a Pelican Representative or visit pelicanstatecu.com/skip for details and questions.
*Credit Counseling: You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law. Credit counseling is not intended to give you financial advice, but the financial education you need to make informed decisions. Results may vary. Pelican and its employees are not responsible for any claim, suit, action or damage resulting from credit counseling.
*As of December 31, 2017.