--- title: "Bayou Credit Union: #1 New Auto Loan in Louisiana" description: "Bayou Credit Union has the lowest tracked new-car loan rate in Louisiana (6.24% APR) among 21 credit unions we verify. Bayou Credit Union rates today: auto loans from 6.24% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Bayou Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/louisiana/bayou" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Bayou Credit Union: #1 New Auto Loan in Louisiana ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | 6.240% APR | 6.240% | new | Standard | | **Used Auto Loan** auto_used | 6.440% APR | 6.440% | used | Standard | Bayou Credit Union auto & vehicle rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Gold Visa Credit Card** credit_card | 9.900% APR | 9.900% | — | Standard | Bayou Credit Union credit card rates as of November 12, 2026 Auto loans available from 6.24% APR. Credit card rates from 9.9% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/louisiana/bayou) , verified from [Bayou Credit Union's official website](https://www.bayoufcu.org/) Best product position **#1 of 21** new-car loan Gap to state best **0 bp** State market leader Vs. state median **99 bp behind median** new-car loan Products ranked **2** across tracked Louisiana markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 6.24% | #1 of 21 · lowest in Louisiana | State market leader | 99 bp behind median | | used-car loan | 6.44% | #1 of 15 · lowest in Louisiana | State market leader | 95 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Bayou Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=bayou&state=louisiana&code=LA&name=Bayou%20Credit%20Union) Loading branch locator… ## About Bayou Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.6K Assets $83.7M Founded 1954 Locations reported 4 NCUA charter 9931 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**La Capitol** Florida Blvd · Baton Rouge · LA · 70806 About 0.5 miles away](https://rateapi.dev/credit-unions/louisiana/la-capitol) [**Pelican** Mid-City · Baton Rouge · LA · 70806-2967 About 0.9 miles away](https://rateapi.dev/credit-unions/louisiana/pelican) [**Ascension** Eagle Federal Credit Union · Baton Rouge · LA · 70808-1839 About 1.3 miles away](https://rateapi.dev/credit-unions/louisiana/ascension) [**Eagle Louisiana** College Drive Branch 1 · Baton Rouge · LA · 70808-1839 About 1.3 miles away](https://rateapi.dev/credit-unions/louisiana/eagle-louisiana) [**Essential** Towne Center-Operations Center · Baton Rouge · LA · 70806 About 1.3 miles away](https://rateapi.dev/credit-unions/louisiana/essential) [**Les** LES Federal Credit Union · Baton Rouge · LA · 70815 About 1.6 miles away](https://rateapi.dev/credit-unions/louisiana/les) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Bayou Credit Union Membership eligibility from Bayou Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Bayou Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Bayou Credit Union's membership page](https://www.bayoufcu.org/) . Final membership determination is always made by the credit union. ## Work at Bayou Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Bayou Credit Union ranks against Louisiana peers. - See which AI assistants fetched Bayou Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Louisiana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=bayou&state=louisiana&code=LA&name=Bayou%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Bayou Credit Union offer? Bayou Credit Union currently offers Auto loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Bayou Credit Union rates updated? RateAPI verifies Bayou Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Bayou Credit Union's rate data? Rate data is collected directly from Bayou Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Bayou Credit Union's auto loan rates? As of November 12, 2026, Bayou Credit Union offers auto loans from 6.24% APR. ### Who can join Bayou Credit Union? Bayou Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Bayou Credit Union's rates against national credit-union benchmarks. [More Louisiana credit unions](https://rateapi.dev/credit-unions/louisiana) [Louisiana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/louisiana) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.bayoufcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Bayou Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Louisiana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Bayou Credit Union curl "https://api.rateapi.dev/credit-unions/louisiana /bayou " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Bayou Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/louisiana/bayou Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp