At a glance
From its website, read 2 Nov 2026University of Louisiana Federal Credit Union is a credit union based in Lafayette, Louisiana. Its website describes auto loans, small-dollar emergency loans, home mortgages and 1 other loan type. Stated loan amounts run from $200 to $600,000. The consumer loan APR it states is 6.95%. 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 | (337) 482-6956 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.ulfcu.com |
| Office (official list) | 805 Bertrand Drive, Lafayette, LA 70506 |
What their website says about applying
Get Started Today! Apply online or visit a branch.
sourceHere is a list of documents you and your co-borrower(s) need to provide to begin the home loan application process.
sourcePay stub(s) for the previous 90 days
sourceW-2 forms for the previous two years
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 stated, not as an APR: see their wording | New Vehicle 4.99% 5.49% 5.59% 5.99% 6.99% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Used Vehicle 5.99% 6.49% 6.59% 6.99% 7.99% | source |
| Personal / consumer loans | Rate: from 6.95% APR | Rates as low as 6.95% APR* after the special discount | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Personal Loan Up to 60 Months 8.95% | source |
| Auto / vehicle loans | Term: see their wording | up to 7 years (84 months) | source |
| Personal / consumer loans | Term: up to 4 mo | Must pay back within 4 months | source |
| Personal / consumer loans | Term: up to 2 yr | Choose a repayment term up to 24 months | 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
- First-time homebuyer program
A great option for first-time home buyers.
source - Membership required
Financing is subject to ULFCU membership and credit approval.
source - Collateral flexible or not always required
No collateral required (unsecured loan)
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) | 26 Sep 2014 |
| RSSD ID | 621384 |
| Address | 805 Bertrand Drive, Lafayette, LA 70506 Directions (Google Maps) |
| Website | www.ulfcu.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: high. The pages fetched do not state a membership or geographic service area for the credit union. 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 | — | New and Used Auto Loans | source |
| Small-dollar / emergency loans | up to $500 | Borrow up to $500 | source |
| Home mortgages | up to $600,000 | Borrow up to 80% of the appraised value without Private Mortgage Insurance, not to exceed $600,000 (certain qualifications apply) | source |
| Personal / consumer loans | $200 – $15,000 | Loan amounts range from $200 – $15,000 | source |
Loan sizes
Loan amounts range from $200 – $15,000
sourceBorrow up to $500
sourceBorrow up to 80% of the appraised value without Private Mortgage Insurance, not to exceed $600,000
sourceBorrow up to $5,000 for your wish list!
source
Range used for the size filter: $200 to $600,000
Service area
Not stated on the pages we read.
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Get Started Today! Apply online or visit a branch.
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 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. - 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$5.4 million in 7 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $650,000 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Program, Financial Assistance | $401,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $737,500 |
| 2018 | CDFI Program, Financial Assistance | $950,000 |
| 2017 | CDFI Program, Financial Assistance | $686,500 |
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 UNIVERSITY OF LOUISIANA (charter 12570). 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 | $61.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 6,437 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Louisiana (3 offices)
- Lafayette Parish (3): 805 Bertrand Dr, Lafayette 70506 (main office); 2235 S College Rd, Lafayette 70508; 619 Mckinley St Ste 101, Lafayette 70503
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 University of Louisiana Federal Credit Union (NCUA charter 12570, filed as “UNIVERSITY OF LOUISIANA”). 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 | $40.3 million, 2,705 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 7.1% from $43.4 million on 30 Jun 2025 |
| Members | 6,437 (as of 30 Jun 2026); 6,569 (as of 30 Jun 2025) |
| Loans per member | $6,265 (total loans divided by members, 30 Jun 2026) |
| Total assets | $61.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $8.6 million | 21.3% |
| Used vehicle loans | $8.1 million | 20.0% |
| First-lien home mortgages (1-4 family) | $16.1 million | 39.9% |
| Other real estate loans (junior liens, other) | $1.7 million | 4.1% |
| Credit cards | $1.6 million | 3.9% |
| Other unsecured loans | $3.4 million | 8.4% |
| Leases and other secured loans | $973,353 | 2.4% |
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 |
|---|---|---|
| Largest loan its website states | $600,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 91% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $61.5 million | Larger than 40% of the 20 other certified credit unions in Louisiana (median $173.5 million). |
| Loans as a share of assets | 66% | 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 | $43.4 million → $40.3 million (-7%) | Median change of 20 other certified credit unions in Louisiana: +4%. Rank by loans held among these 21: 13 → 14. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 91% |
| Call Report total assets | other certified credit unions in Louisiana | 20 | larger than 40% |
| Loans held then vs now | certified credit unions in Louisiana reporting both dates | 20 | rank 13 → 14 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 Lafayette and Louisiana
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- First Pioneers FCUCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
Work at University of Louisiana Federal Credit Union? Link to this page
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