At a glance
From its website, read 2 Nov 2026Engage Federal Credit Union is a credit union based in Natchitoches, Louisiana. Its website describes farm loans, auto loans, small-dollar emergency loans and 2 other loan types. Where it lends: Natchitoches, Sabine, Winn, Grant, Red River and Rapides parishes in North Central Louisiana. The business loan rate it states is 5%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (318) 238-7762 source |
|---|---|
| Phone | (318) 592-6186 source |
| loans@engagefcu.org source | |
| Apply online | Page with the application link |
| Website | www.engagefcu.org |
| Office (official list) | 256 Highway 3175, Natchitoches, LA 71457 |
What their website says about applying
At least the last two check stubs are needed. The loan application will not be complete until this is provided.
sourceIf you only have the physical copies, you will have to bring them into the credit union.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | New/Used Recreational (2016 - Current) As low as 5.00% | source |
| Agriculture / farm loans | Rate: from 5% | Farm Equipment, Lawn Tractors and Lawn Mowers As low as 5.0% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Auto and Motorcycle 2023 and Newer As low as 5.5% financing | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Used Auto and Motorcycle (2018 - 2022) As low as 6.50% financing | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Used Auto and Motorcycle (2011 - 2017) As low as 8.00% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Signature Loans As low as 9.99% | source |
| Agriculture / farm loans | Term: 6 yr–7 yr | 72 months financing on all loans 84 months financing on all loans over $25,000 | source |
| Auto / vehicle loans | Term: see their wording | Auto and Motorcycle 2023 and Newer As low as 5.5% financing 60 months on all loans 61-75 months financing on loans over $20,000 76-84 months financing on loans over $40,000 | source |
| Personal / consumer loans | Term: see their wording | Signature Loans As low as 9.99% 36 months financing on all loans 48 months financing on loans over $6,000 | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 29 Jul 2026 |
| RSSD ID | 891084 |
| Address | 256 Highway 3175, Natchitoches, LA 71457 Directions (Google Maps) |
| Website | www.engagefcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts are not stated on the pages; the merger with Legacy Financial FCU effective April 1, 2025 is mentioned on the home page. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Farm Equipment, Lawn Tractors and Lawn Mowers | source |
| Auto / vehicle loans | — | We offer very low rates and competitive terms for new and used autos, trucks and SUVs. | source |
| Small-dollar / emergency loans | — | Needing to get out of the payday loan cycle? We offer an alternative to help pay those loans with lower interest rates. | source |
| Personal / consumer loans | — | Our unsecure personal/signature loans can cover you for a variety of borrowing needs. | source |
| Small-business loans | — | Whether you’re starting a new business, need cash to meet ongoing expenses, or you’re ready to expand or purchase equipment for your business | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Natchitoches, Sabine, Winn, Grant, Red River and Rapides parishes in North Central Louisiana
Everyone who lives or works in Natchitoches, Sabine, Winn, Grant, Red River and Rapides parishes in North Central Louisiana is eligible to join our credit union.
source
Counties this matches: Grant Parish, LA, Natchitoches Parish, LA, Rapides Parish, LA, Red River Parish, LA, Sabine Parish, LA, Winn Parish, LA
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. By Submitting This Application You Affirm The Following:
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and small-dollar emergency loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.4 million in 9 awards from the U.S. Treasury's CDFI Fund, 2015–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $991,535 |
| 2021 | CDFI Rapid Response Program | $500,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Financial Assistance | $637,500 |
| 2018 | CDFI Program, Financial Assistance | $650,000 |
| 2017 | CDFI Program, Financial Assistance | $350,000 |
| 2016 | CDFI Program, Financial Assistance | $500,000 |
| 2015 | CDFI Program, Financial Assistance | $300,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as ENGAGE (charter 22005). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $28.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 4,432 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Louisiana (2 offices)
- Natchitoches Parish (1): 256 Highway 3175 Byp, Natchitoches 71457 (main office)
- Rapides Parish (1): 8034 Shreveport Hwy, Pineville 71360
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Engage Federal Credit Union (NCUA charter 22005, filed as “ENGAGE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $21.4 million, 1,983 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 0.7% from $21.3 million on 30 Jun 2025 |
| Members | 4,432 (as of 30 Jun 2026); 4,041 (as of 30 Jun 2025) |
| Loans per member | $4,828 (total loans divided by members, 30 Jun 2026) |
| Total assets | $28.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $9.9 million | 46.4% |
| Used vehicle loans | $6.3 million | 29.3% |
| Commercial (business) loans | $165,613 | 0.8% |
| Credit cards | $268,022 | 1.3% |
| Other unsecured loans | $1.3 million | 5.9% |
| Leases and other secured loans | $3.5 million | 16.4% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other).
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $28.5 million | Larger than 5% of the 20 other certified credit unions in Louisiana (median $173.5 million). |
| Loans as a share of assets | 75% | Median of the same 20 credit unions: 76%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $21.3 million → $21.4 million (+1%) | Median change of 20 other certified credit unions in Louisiana: +4%. Rank by loans held among these 21: 19 → 19. |
| Business loan rate its website stated (2 Nov 2026) | 5.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 2 pts below prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Louisiana | 20 | larger than 5% |
| Loans held then vs now | certified credit unions in Louisiana reporting both dates | 20 | rank 19 → 19 of 21 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Prime rate: FRED DPRIME.
Other certified CDFIs in Natchitoches and Louisiana
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
- Exchange Bancshares, Inc.Bank holding company · Natchitoches, LAOfficial list only
- Exchange Bank and Trust Co.Bank or thrift · Natchitoches, LAOfficial list only
- Grant Bancshares, Inc.Bank holding company · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
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