--- title: "Instep Credit Union Rates - Louisiana" description: "Current mortgage, vehicle loan, heloc, personal loan, student loan, credit card, and savings & cd rates from Instep Credit Union in Louisiana. Updated daily with source verification. See who can join Instep Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/louisiana/instep" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Instep Credit Union Rates - Louisiana ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Whole Home Generator** other | — APR | 5.990% | — | Standard | Instep Credit Union mortgage rates as of November 11, 2026 ### Auto & vehicle rates 20 offers | Product | Published | Rate | Term / condition | Status | | **New and Used Auto** auto_any_72mo | — APR | 3.750% | 72 mo · any | Standard | | **96-Month RV Loan** rv_any_96mo | — APR | 3.750% | 96 mo | Standard | | **Motorcycle Loan** motorcycle | — APR | 4.000% | — | Standard | | **35-Month New Auto Loan** auto_new_35mo | — APR | 4.000% | 35 mo · new | Standard | | **Auto Loan** auto | — APR | 4.000% | — | Standard | | **47-Month New Auto Loan** auto_new_47mo | — APR | 4.250% | 47 mo · new | Standard | | **35-Month Used Auto Loan (2022–2026)** auto_used_35mo | — APR | 4.250% | 35 mo · used | Standard | | **47-Month Used Auto Loan (2022–2026)** auto_used_47mo | — APR | 4.500% | 47 mo · used | Standard | | **71-Month New Auto Loan** auto_new_71mo | — APR | 4.500% | 71 mo · new | Standard | | **35-Month Used Auto Loan (2017–2021)** auto_used_35mo | — APR | 4.750% | 35 mo · used | Standard | | **71-Month Used Auto Loan (2022–2026)** auto_used_71mo | — APR | 4.750% | 71 mo · used | Standard | | **47-Month Used Auto Loan (2017–2021)** auto_used_47mo | — APR | 5.000% | 47 mo · used | Standard | | **71-Month Used Auto Loan (2017–2021)** auto_used_71mo | — APR | 5.250% | 71 mo · used | Standard | | **35-Month Used Auto Loan (2016 and Older)** auto_used_35mo | — APR | 5.250% | 35 mo · used | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 5.500% | 84 mo · new | Standard | | **47-Month Used Auto Loan (2016 and Older)** auto_used_47mo | — APR | 5.500% | 47 mo · used | Standard | | **84-Month Used Auto Loan (2022–2026)** auto_used_84mo | — APR | 5.750% | 84 mo · used | Standard | | **71-Month Used Auto Loan (2016 and Older)** auto_used_71mo | — APR | 5.750% | 71 mo · used | Standard | | **84-Month Used Auto Loan (2017–2021)** auto_used_84mo | — APR | 6.250% | 84 mo · used | Standard | | **84-Month Used Auto Loan (2016 and Older)** auto_used_84mo | — APR | 6.750% | 84 mo · used | Standard | Instep Credit Union auto & vehicle rates as of November 11, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Lines of Credit (HELOC)** heloc_variable | — APR | 7.000% | — | Standard | Instep Credit Union heloc rates as of November 11, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Personal/Signature** personal_unsecured_84mo | — APR | 9.000% | 84 mo | Standard | | **Home Improvement** personal_unsecured_60mo | — APR | 9.000% | 60 mo | Standard | | **Life Style Loan** personal_unsecured_12mo | — APR | 9.000% | 12 mo | Standard | | **84-Month Debt Consolidation Loan** personal_unsecured_84mo | — APR | 12.000% | 84 mo | Standard | Instep Credit Union personal loan rates as of November 11, 2026 ### Student loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Tuition** student | — APR | 7.000% | — | Standard | Instep Credit Union student loan rates as of November 11, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 8.900% | — | Standard | | **Visa Classic** credit_card | — APR | 10.900% | — | Standard | | **Secured Credit Card** credit_card_secured | — APR | 10.900% | — | Standard | Instep Credit Union credit card rates as of November 11, 2026 ### Savings & CD rates 20 offers | Product | Published | Rate | Term / condition | Status | | **Regular Share** savings | — APY | 0.50% | — | Standard | | **Patriotic Checking** checking | — APY | 1.15% | — | Standard | | **3-Month Certificate** share_certificate_3mo | — APY | 2.35% | 3 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 2.35% | 6 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 2.35% | 12 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 2.35% | 6 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 2.60% | 24 mo | Standard | | **9-Month Certificate** share_certificate_9mo | — APY | 2.60% | 9 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 2.60% | 12 mo | Standard | | **3 Months (Mini-Jumbo)** cd_3mo | — APY | 2.60% | 3 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 2.60% | 36 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 2.85% | 36 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 2.85% | 24 mo | Standard | | **1 Year (Mini-Jumbo)** cd_12mo | — APY | 2.85% | 12 mo | Standard | | **2 Years (Mini-Jumbo)** cd_24mo | — APY | 2.85% | 24 mo | Standard | | **3 Years (Mini-Jumbo)** cd_36mo | — APY | 2.85% | 36 mo | Standard | | **Christmas Club** savings | — APY | 3.00% | — | Specialty offer | | **9 Months (Mini-Jumbo)** cd_9mo | — APY | 3.10% | 9 mo | Standard | | **6 Months (Mini-Jumbo)** cd_6mo | — APY | 3.10% | 6 mo | Standard | | **Instep Kids & Teen Savings** savings | — APY | 4.25% | — | Eligibility restricted | Instep Credit Union savings & cd rates as of November 11, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Your Guide To Low Rates** other | — % | 4.000% | — | Standard | Instep Credit Union other rates as of November 11, 2026 Instep Credit Union is a credit union in Louisiana. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/louisiana/instep) , verified from [Instep Credit Union's official website](https://www.instepmembers.com/) Loading branch locator… ## About Instep Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.8K Assets $53.9M Founded 1948 Locations reported 2 NCUA charter 24951 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Payday Alternative Loans II 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. [**Campus** BioDistrict Branch · New Orleans · LA · 70119-7613 Nearby ZIP area](https://rateapi.dev/credit-unions/louisiana/campus) [**Credit Human** Elysian Fields Financial Health Center · New Orleans · LA · 70117 Nearby ZIP area](https://rateapi.dev/credit-unions/texas/credit-human) [**Eagle Louisiana** Jackson Barracks - Branch 5 · NEW ORLEANS · LA · 70117-1456 Nearby ZIP area](https://rateapi.dev/credit-unions/louisiana/eagle-louisiana) [**Epic** EPIC FCU · New Orleans · LA · 70119 Nearby ZIP area](https://rateapi.dev/credit-unions/louisiana/epic) [**Fleur-de-Lis** Benson Towers · New Orleans · LA · 70112 Nearby ZIP area](https://rateapi.dev/credit-unions/louisiana/fleur-de-lis) [**Hope** Elysian Fields · New Orleans · LA · 70117 Nearby ZIP area](https://rateapi.dev/credit-unions/mississippi/hope) Distance data is unavailable for this ZIP. Exact ZIP matches appear first; remaining results share the first three ZIP digits. ## Who Can Join Instep Credit Union Membership eligibility from Instep Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Instep Credit Union's website. Check the membership page below to confirm whether you qualify. **Cost to join:** About $6. Verified from [Instep Credit Union's membership page](https://www.instepmembers.com/become-a-member) . Final membership determination is always made by the credit union. ## Work at Instep 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 Instep Credit Union ranks against Louisiana peers. - See which AI assistants fetched Instep 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=instep&state=louisiana&code=LA&name=Instep%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Instep Credit Union offer? Instep Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified November 11, 2026 directly from the credit union's official website. ### How often are Instep Credit Union rates updated? RateAPI verifies Instep Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 11, 2026. ### Where does RateAPI get Instep Credit Union's rate data? Rate data is collected directly from Instep Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Instep Credit Union? Instep Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Instep Credit Union's rates against national credit-union benchmarks. [More Louisiana credit unions](https://rateapi.dev/credit-unions/louisiana) [Louisiana mortgage rate leaders](https://rateapi.dev/mortgage-rates/louisiana) [Louisiana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/louisiana) [Louisiana HELOC rate leaders](https://rateapi.dev/heloc-rates/louisiana) [Louisiana personal loan leaders](https://rateapi.dev/personal-loan-rates/louisiana) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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.instepmembers.com/) ### 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 Instep 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 Instep Credit Union curl "https://api.rateapi.dev/credit-unions/louisiana /instep " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Instep Credit Union locations Search, filter, and browse all 2 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/instep Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp