At a glance
From its website, read 2 Nov 2026Instep Federal Credit Union is a credit union based in New Orleans, Louisiana. Its website describes auto loans and personal loans. The consumer loan APR it states is 4%. 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 | (504) 394-5547 source |
|---|---|
| Lending | (504) 394-5574 source |
| Apply online | Page with the application link |
| Website | www.instepmembers.com |
| Office (official list) | 400 Russell Ave Bldg 509, New Orleans, LA 70143 |
What their website says about applying
When you have completed the application, click Submit and your information will be reviewed for pre-qualification
sourceAn original credit application must be accompanied by the most recent original pay stub for applicants, co-applicants, and co-makers.
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 |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 4% APR | Auto loan and motorcycle rates as low as 4.00%* APR | 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.
Who qualifies, in their words
- Collateral flexible or not always required
No collateral necessary
source - Collateral required
The existing equity in your home is used as collateral backing
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 5 Apr 2021 |
| RSSD ID | 258490 |
| Address | 400 Russell Ave Bldg 509, New Orleans, LA 70143 Directions (Google Maps) |
| Website | www.instepmembers.com |
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. The pages state no loan amounts or service area, and the mobicint page is a login page unrelated to the lender. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | We offer both new and used auto/motorcycle loans. | source |
| Personal / consumer loans | — | Unsecured loans can be used for vacations, school expenses, extra cash, emergencies or anything you need! | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
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. Apply for an Auto Loan
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - 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 personal loans?
Their website does not state 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. - How long can I take to repay?
No repayment terms are stated on their website. - 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$1.5 million in 5 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2022 | CDFI Program, Financial Assistance | $425,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | Small Dollar Loan Program | $162,217 |
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 INSTEP (charter 24951). 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 | $52.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 4,795 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Louisiana (2 offices)
- Plaquemines Parish (2): 400 Russell Ave Bldg 509, New Orleans 70143 (main office); 8640 Highway 23, Belle Chasse 70037
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 Instep Federal Credit Union (NCUA charter 24951, filed as “INSTEP”). 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 | $39 million, 3,575 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 1.1% from $38.6 million on 30 Jun 2025 |
| Members | 4,795 (as of 30 Jun 2026); 5,038 (as of 30 Jun 2025) |
| Loans per member | $8,138 (total loans divided by members, 30 Jun 2026) |
| Total assets | $52.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $12 million | 30.7% |
| Used vehicle loans | $15.3 million | 39.2% |
| First-lien home mortgages (1-4 family) | $252,470 | 0.6% |
| Other real estate loans (junior liens, other) | $1.7 million | 4.3% |
| Credit cards | $2.7 million | 6.9% |
| Other unsecured loans | $5.2 million | 13.3% |
| Leases and other secured loans | $1.9 million | 4.9% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
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) | $52.9 million | Larger than 30% of the 20 other certified credit unions in Louisiana (median $173.5 million). |
| Loans as a share of assets | 74% | 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 | $38.6 million → $39 million (+1%) | Median change of 20 other certified credit unions in Louisiana: +4%. Rank by loans held among these 21: 15 → 15. |
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 30% |
| Loans held then vs now | certified credit unions in Louisiana reporting both dates | 20 | rank 15 → 15 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. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in New Orleans and Louisiana
- Liberty Bank and Trust CompanyBank or thrift · New Orleans, LAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- Liberty Financial Services, Inc.Bank holding company · New Orleans, LAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- NEWCORP, INC.Loan fund · New Orleans, LAMicroloansVerified
- UNO FEDERAL CREDIT UNIONCredit union · New Orleans, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
Work at Instep Federal Credit Union? Link to this page
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