Credit union · NCUA insured
La Terre Federal Credit Union
A $25.4M credit union headquartered in Houma, LA, with 4,924 members and 1 branch in Louisiana. Best rates: CDs 3.75% and savings 0.10% APY.
La Terre Federal Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#4 of 11 in Houma, LA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About La Terre Federal Credit Union
La Terre Federal Credit Union is headquartered in Houma, Louisiana, serving the communities of Lafourche and Terrebonne Parishes.
The financial institution operates as a member-owned credit union dedicated to providing affordable financial services to its member-owners.
- Headquarters
- 701 Barrow St, Houma, LA 70360-4701
- NCUA charter
- 20002
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work (or regularly conduct business in), worship, or attend school in Lafourche or Terrebonne Parishes are eligible for membership.
Family and household
- Immediate family members—including spouse, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, step-siblings, or adoptive relationships—of eligible individuals are eligible for membership.
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- A $5.00 deposit is required to open an account.
- A $5.00 membership fee is required with the membership application.
Branches
1 branch in Louisiana
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Louisiana
1 branch
- Downtown OfficeMain office701 Barrow St, Houma, LA 70360Directions
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
Adequately capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 6.65% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.68% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $88 | $59 | — |
- CapitalNet worth ratio6.65%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.68%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$88Peers’ 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 La Terre Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.