Credit union · NCUA insured
705 FCU
Top CarrotA $44.7M credit union headquartered in Lafayette, LA, with 3,744 members and 1 branch in Louisiana. Best rates: CDs 2.53% and savings 1.00% APY.
705 FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#1 of 19 in Lafayette, LA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 705 FCU
705 Federal Credit Union began in 1968 in Crowley, Louisiana, chartered by postal employees to serve postal workers in the 705 zip code area.
The member-owned financial institution is certified as a Community Development Financial Institution serving economically disadvantaged and low-income communities.
- Headquarters
- 1455 W Willow St, Lafayette, LA 70506-1026
- NCUA charter
- 18749
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current and retired employees of partner Select Employer Groups (SEGs) are eligible for membership.
Military, government and schools
- Current and retired employees of specified federal government entities and the USPS in the 705 Zip Code Area are eligible for membership.
- Current and retired employees of eligible local government entities (such as Lafayette Clerk of Court, Iberia Clerk of Court, City of Carencro, and contracted Lafayette Sheriff Department deputies) are eligible for membership.
Family and household
- Family members of a current 705 FCU member and spouses of deceased employees who qualified for membership are eligible to join.
Cost to join
- Members must maintain a $25 share deposit in their savings account at all times.
Branches
1 branch in Louisiana
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Louisiana
1 branch
- 705 FcuMain office1455 W Willow St, Lafayette, LA 70506Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.91% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.23% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio7.91%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.23%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$77Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 705 FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.