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Turning 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 90% 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

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