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Our Rates

Unlike big banks, we're not-for-profit. That means we're able to offer better rates!

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New/Used Autos


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as low as

6.24%

APR1


Apply for an Auto Loan

Personal Loans



as low as

9.74%

APR1


Apply for a Personal Loan

Credit Cards



as low as

12.00%

variable APR1


Compare Credit Cards

Share Certificates


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up to

4.33%

APY2


Open a Share Certificate

Checking Rewards


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up to

5.11 %

APY2


Compare Accounts


Financial wellness is within reach.

Did you know that in the U.S., Louisiana consistently ranks last in financial literacy? Pelican is on a mission to change that. We are passionate about equipping our members and communities with the financial resources they need to thrive.
Free Credit Counseling
All Pelican members have FREE access to credit counseling. Meet with one of our Nationally Certified Credit Counselors to go over your budget, learn more about credit and scores, or talk about a specific goal you want to meet.

Financial Wellness Program
For members who want to go above and beyond to transform their financial situation, we offer a dedicated Financial Wellness Program. You'll work with a credit counselor to develop a personalized plan, then meet with them periodically to track your progress. Graduates of this program move on to buying houses, cars, and escaping the spiral of debt!

Financial Wellness Workshops
From homebuying to credit scores, budgeting to buying your first car, we've got the answers you're looking for! Each month, we host virtual workshops where you can interact with our credit counselors and ask your questions about a specific topic.

Budgeting Tools
All members have access to MyFinances, a financial management tool within our app that let's you tag and categorize transactions, track progress toward your goals, ensure you're paying bills on time, and more!

Over the past 5 years, Pelican lent over $6 million out to members who previously didn't qualify before joining our Financial Wellness Program.

What Our Members Are Saying


"Ms. Gaines helped us achieve a goal of being homeowners in a matter of months. We’ve used a lot of companies in regard to credit repair and paid thousands with no results. We met Ms. Gaines at the end of September and she told us if we stay on track with the system she planned for us, we would be in a home by the following January. As promised, we built a brand new home in January 2017. Thanks so much, Ms. Gaines, for making our dreams come true!"

— Ashley, Addis

It's time to join a financial family worth celebrating.*


business owner

Over 750,000 Louisiana residents qualify for membership.

Are you one of them? All you have to do is meet just ONE of the following criteria!

You work for (or are retired from) one of our hundreds of Partners.

You live in Rapides, St. Landry, or St. Tammany Parish
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You are a Pelican State CU employee.
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You are a member of one of our partner associations.
You also qualify for membership if your immediate family member meets any of the criteria above!

Louisiana children are our future.

There is so much more we can do to prepare our children for the future. Pelican is dedicated to equipping our youth with tools, education, and resources to ensure a bright future.
Team Pelican Youth Savings Account
Saving is an essential, lifelong skill and the sooner kids learn it, the better! This account is designed for members under 17 and helps to prepare them for the future. Plus, students will earn cash for good grades on their report cards!


Teen Checking & Debit Cards
Whether they’re on a school trip, hanging out with friends, or going to the big game on Friday night, teens need quick and easy access to their money. Give them some independence and give yourself some peace of mind with a Teen Checking account!
 
Best Places to Work Logo 2020
Pelican has been consistently named one of the best places to work in Baton Rouge.
You can feel good knowing that you're with a credit union that takes care of its people. 






It's time to bust some credit union myths.

Do you believe one of these myths about credit unions? It's okay, because we're here to bust them! Download the full eBook or check out some of the most popular myths below.
 

FACT: While credit unions don’t have thousands of branches with their logo on them across the country, many of them are part of the CO-OP Shared Branch Network. This gives members access to thousands of branches, and in some cases, ATMs, across the United States.

The CO-OP Shared Branch logo signifies these branches. You can visit these credit unions or credit union service centers while you’re out of town to make deposits, payments or withdrawals. There are over 5,000 locations nationwide!

FACT: It’s not as difficult as people make it out to be. Most of the time, we get comfortable using one place, so it seems like a hassle to switch your money over. This isn’t the case!

Many credit unions have a switch kit to make the process easier. It helps you by making a short checklist of things you need to do to switch over to another financial institution. This way, nothing’s forgotten and there’s no stress (the way it should be)!

FACT: This one is really far from the truth. Many credit unions have online banking and mobile apps for their members to use. These aren’t some cut-and-paste mobile apps either—many of them have great features like transfers, card controls, quick balance, graphs to show what you’re spending and even remote deposit.


The next time someone says that credit unions only allow you to visit a branch to perform transactions, let them know that credit unions offer much, much more than just personalized service in a branch. They also have high tech digital services available to their members for convenient account access whenever, wherever.

FACT: There are so many differences between banks and credit unions. Banks have customers and credit unions have members. Credit unions are not-for-profit; they pass profits onto their members in the forms of lower loan rates and higher dividends, whereas banks are for-profit and pass profits onto their shareholders in the stock market.

As a not-for-profit financial institution, the credit union is democratically controlled by the members. The board of directors is made up of volunteers who are actual members of the credit union as well. These board members are voted on by other members of the credit union. Banks, however, are run by their shareholders, and their positions are paid.
FACT: Credit unions like Pelican have programs available for financial wellness that ultimately help members with their credit, but that isn’t the only thing we do. Credit unions offer a variety of products and services to people in all stages of life, whether that’s a youth account for the younger generation or IRAs for people planning for retirement.

They also give back through community service, constantly working with and supporting local businesses, and finding ways to spread financial education to people in their towns.

We Can't Wait to Meet You

Join over 60,000 other individuals who expect more from their credit union.*

Join Our Family


*Pelican State CU membership eligibility required to take advantage of all Pelican products and services. If you are not a Pelican member, you must be eligible to open a primary savings account with Pelican to become one. The deposit to open a primary savings account starts at a minimum of $10 ($5 to join + $5 minimum balance).
 

1APR = Annual Percentage Rate. Rates shown above are the lowest offered by Pelican State Credit Union for the advertised product. Loan approval is based on certain credit criteria. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. Not all applicants may be approved. Rates may change after account is opened. New/Used Autos: APR calculated using lowest interest rate offered for this product (5.24%), a 48-month term, and a $10,000 loan amount which includes a $55 document fee. Resulting APR of 5.52% at this term and loan amount equals an estimated monthly payment of $231.41. Payment may vary based on credit protection products added to the loan. Personal Loans: APR calculated using interest rate of 9.00%, a 12-month term, and a $3,000 loan amount which includes a $15 document fee. Resulting APR of 9.95% at this term and loan amount equals an estimated monthly payment of $262.36. Payment may vary based on credit protection products added to the loan.

2APY = Annual Percentage Yield. Rates shown above are the highest offered by Pelican State Credit Union for the advertised product. Share Certificates: APY listed reflects a 60 month term. Minimum opening balance $500.00. There could be a penalty imposed for early withdrawal. Rates are fixed for the term of the certificate, but may change after that. Rewards Checking: A minimum deposit of $25 is required to open Kasasa Cash account. APY = Annual Percentage Yield. APYs accurate as of 10/1/2022. Rates and rewards may change after account is opened. This account is a tiered rate account. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000 in your Kasasa Cash (tier 1) account earn a dividend rate of 5.00% resulting in an APY of 5.11%; and average daily balances over $10,000 (tier 2) earn a dividend rate of 1.00% on the portion of the average daily balance over $10,000, resulting in a range from 5.11% to 3.00% APY depending on the account's average daily balance. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. APY calculations are based on an assumed balance of $10,000 (tier 1) + $100,000 (tier 2) in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. The minimum service requirements include: (1) making 15 debit card point-of-sale purchases (ATM transactions and transfers between accounts do not qualify) that are cleared and posted to your account during the qualification period; (2) having direct deposit, ACH debit or credit, or Bill Pay transaction posted to your Kasasa Cash account; (3) accessing online or mobile banking once during qualification period; and (4) receiving your monthly statement electronically. Transactions may take 1 or more banking days from the date transaction was made to post to and settle account. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month. 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. Not everyone will qualify to open a Kasasa Cash rewards checking account. Pelican reserves the right to limit the number of accounts allowed per member, joint or individually. Federally insured by NCUA. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.