Credit union · NCUA insured
Acadian FCU Carrot Score
A $20.7M credit union headquartered in Lafayette, LA, with 2,725 members and 1 branch in Louisiana.
Acadian FCU Carrot Score
82
Carrot Score
Higher than 61% of U.S. banks and credit unions
- CDs66
- Savings68
- Auto loans80
- Credit cards88
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where Acadian FCU ranks
By Carrot score, in each area where it has branches
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
66beats 16% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 1.76% | 17% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 3.20% | 27% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 3.04% | 39% | 3.35% | 3.85% | 4.20% |
| 31-60 months | Not offered | 0% | 3.05% | 3.65% | 4.07% |
| Qualified | 3.20% | 17% | 3.85% | 4.15% | 4.35% |
Best rates 33.0 · all terms 22.2 → 28.7 → 66
Savings
68beats 22% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 0.10% | 33% | 0.20% | 0.50% | 1.51% |
| $10,000 | 0.20% | 27% | 0.50% | 1.15% | 2.20% |
| $100,000 | 0.20% | 18% | 1.00% | 2.01% | 2.93% |
| Qualified | 0.20% | 23% | 0.60% | 1.31% | 2.43% |
Best rates 24.8 · all balances 25.6 → 25.1 → 68
Auto loans
80top 48% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 4.99% | 59% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 5.49% | 45% | 5.39% | 4.99% | 4.49% |
Best rates 59.1 · all vehicles 52.1 → 56.3 → 80
Credit cards
88top 20% nationally
| Card | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| Purchase APR | 9.20%counts as 9.40% | 81% | 10.90% | 9.90% | 8.90% |
Best rates 80.5 · all rates 80.5 → 80.5 → 88
Where the score could improve
- Auto loans, Used vehicle4.99%5.49% today, lower than 45% of U.S. institutions. 4.99% would reach the top quarter; 4.49% the top 10%.
- Auto loans, New vehicle4.74%4.99% today, lower than 59% of U.S. institutions. 4.74% would reach the top quarter; 4.25% the top 10%.
- Savings, $10,0001.15%0.20% today, higher than 27% of U.S. institutions. 1.15% would reach the top quarter; 2.20% the top 10%.
- To score in the 90s3.83%At least one product needs a rate near the best in the country, like 3.83% or more on a 9-15 month CD (3.20% today), and strong rates on its other terms.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How Acadian FCU got its score
Its products stand at 80.5 for credit cards, 56.3 for auto loans, 28.7 for CDs and 25.1 for savings, out of 100. Its best two, credit cards and auto loans, average 68.4. Publishing four products adds 3.0, for 71.4. That puts it in the top 39% nationally: a Carrot Score of 82.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.