Credit union · NCUA insured
Southwest Louisiana CU Savings Rates
Southwest Louisiana CU’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Southwest Louisiana CU’s savings rates compare
Compared with banks and credit unions near Lake Charles, LA, where Southwest Louisiana CU has the most branches. $10,000, best rate first.
This credit union’s best
Southwest Louisiana CU
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Home Bank
3.04%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $304
Southwest Louisiana CU savings score
84
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.75%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Southwest Louisiana CU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Savings Account with Extended Insurance
Up to 3.75%APY
Deposits are divided into portions under $250,000 and placed across partner credit unions in the ModernFi network for extended NCUA insurance coverage up to $15 million. $25,000 minimum.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25,000 – $100,000 | 2.50% | — |
| $100,000 – $250,000 | 2.75% | — |
| $250,000 – $500,000 | 3.00% | — |
| $500,000 – $1,000,000 | 3.25% | — |
| $1,000,000 and up | 3.75% | — |
Money Market
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $50,000 | 1.00% | $100 |
| $50,000 – $100,000 | 1.15% | — |
| $100,000 and up | 1.25% | — |
Sources (1)
- swlacu.com/savings-rates · captured Sep 18, 2026
Smart Share Savings
0.10%APY
Membership at Southwest Louisiana Credit Union required. Dividends compounded and paid quarterly on an average daily balance of $25 or more. Minimum required balance of $25.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends compounded and paid quarterly on an average daily balance of $25 or more. Minimum required balance of $25.$25 and up | 0.10% | $10 | Dividends compounded and paid quarterly on an average daily balance of $25 or more. Minimum required balance of $25. |
Special-purpose accounts
Christmas Club
0.35%APY
Dividends compounded and paid quarterly on an average daily balance of $5 or more. Minimum required balance of $5. Funds available for withdrawal penalty-free from November 1 through December 31; withdrawals made between January 1 and October 31 incur a $15 early withdrawal fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and paid quarterly on an average daily balance of $5 or more. Minimum required balance of $5. Funds available for withdrawal penalty-free from November 1 through December 31; withdrawals made between January 1 and October 31 incur a $15 early withdrawal fee.$5 and up | 0.35% | $35 | Dividends compounded and paid quarterly on an average daily balance of $5 or more. Minimum required balance of $5. Funds available for withdrawal penalty-free from November 1 through December 31; withdrawals made between January 1 and October 31 incur a $15 early withdrawal fee. |
Vacation Club
0.30%APY
Dividends compounded and paid quarterly on an average daily balance of $5 or more. Minimum required balance of $5. Funds available for withdrawal penalty-free during the first seven calendar days of each month; withdrawals made after the seventh calendar day incur a $15 early withdrawal fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and paid quarterly on an average daily balance of $5 or more. Minimum required balance of $5. Funds available for withdrawal penalty-free during the first seven calendar days of each month; withdrawals made after the seventh calendar day incur a $15 early withdrawal fee.$5 and up | 0.30% | $30 | Dividends compounded and paid quarterly on an average daily balance of $5 or more. Minimum required balance of $5. Funds available for withdrawal penalty-free during the first seven calendar days of each month; withdrawals made after the seventh calendar day incur a $15 early withdrawal fee. |
$mart IRA Share Account
0.20%APY
Individual retirement share savings account. Dividends compounded and paid monthly on an average daily balance of $250 or more. Minimum required balance of $250.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDividends compounded and paid monthly on an average daily balance of $250 or more. Minimum required balance of $250.$250 and up | 0.20% | $20 | Dividends compounded and paid monthly on an average daily balance of $250 or more. Minimum required balance of $250. |
Who can join Southwest Louisiana CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, or worship in Calcasieu, Cameron, Beauregard, or Evangeline Parish.
Employers and groups
- Eligibility is open to employees (or family members of employees) of one of the credit union's Select Employee Groups (SEGs).
Military, government and schools
- Eligibility is open to students at McNeese State University.
Family and household
- Eligibility is open to family members of an existing member, including spouse, child, sibling, parent, grandparent, grandchild, step-parent, step-child, step-sibling, and adoptive relationships.
Other ways
- Eligibility is open to individuals who make a one-time donation to the McNeese Foundation supporting the McNeese Athletic Foundation (MAF).
Cost to join
- Opening a share savings account requires a $25 deposit to start.
Membership information collected October 5, 2026.