Formation Credit Union
Verified rate book
Current Formation Credit Union rates
20 published offers verified as of August 4, 2026.
Auto & vehicle rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 36-Month Auto Loanauto_any_36mo | 5.500% APR | 5.500% | 36 mo | Standard |
| Up to 60-Month Auto Loanauto_any_60mo | 5.750% APR | 5.750% | 60 mo | Standard |
| Up to 48-Month Auto Loanauto_any_48mo | 5.750% APR | 5.750% | 48 mo | Standard |
| Up to 72-Month Auto Loanauto_any_72mo | 6.250% APR | 6.250% | 72 mo | Standard |
| Up to 84-Month Auto Loanauto_any_84mo | 6.550% APR | 6.550% | 84 mo | Standard |
| Up to 96-Month Auto Loanauto_any_96mo | 9.250% APR | 9.250% | 96 mo | Standard |
| Up to 120-Month Auto Loanauto_any_120mo | 10.250% APR | 10.250% | 120 mo | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Certificate-Secured Loanpersonal_secured | 2.000% APR | 2.000% | — | Standard |
| Shared Securedpersonal_secured | 3.000% APR | 3.000% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 10.500% APR | 10.500% | — | Standard |
| Revolving Loanpersonal | 11.000% APR | 11.000% | — | Standard |
Student loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Student Loanstudent | 7.500% APR | 7.500% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Rewards Credit Cardcredit_card_rewards | 8.000% APR | 8.000% | — | Standard |
Savings & CD rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 60-Month Certificatecd_60mo | 2.50% APY | 2.50% | 60 mo | Standard |
| 48-Month Certificatecd_48mo | 2.50% APY | 2.50% | 48 mo | Standard |
| 36-Month Certificatecd_36mo | 2.75% APY | 2.75% | 36 mo | Standard |
| 3-Month Certificatecd_3mo | 2.75% APY | 2.75% | 3 mo | Standard |
| 6-Month Certificatecd_6mo | 3.00% APY | 3.00% | 6 mo | Standard |
| 24-Month Certificatecd_24mo | 3.00% APY | 3.00% | 24 mo | Standard |
| 12-Month Certificatecd_12mo | 3.25% APY | 3.25% | 12 mo | Standard |
Auto loans available from 5.5% APR for 36 months. Personal loan rates from 2% APR. Credit card rates from 8% APR. Savings and certificate yields up to 3.25% APY.
Source: RateAPI.dev, verified from Formation Credit Union's official website
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About Formation Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 9.1K
- Assets
- $95.2M
- Founded
- 1939
- Locations reported
- 2
- NCUA charter
- 3061
- 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
- Payday Alternative Loans I
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join Formation Credit Union
Membership eligibility from Formation Credit Union's own published criteria. How we verify this.
Membership criteria are published on Formation Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from Formation Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Formation Credit Union offer?
Formation Credit Union currently offers Auto loan, personal loan, student loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Formation Credit Union rates updated?
RateAPI verifies Formation Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Formation Credit Union's rate data?
Rate data is collected directly from Formation 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 Formation Credit Union's auto loan rates?
As of August 4, 2026, Formation Credit Union offers auto loans from 5.5% APR.
What is Formation Credit Union's personal loan rate?
As of August 4, 2026, Formation Credit Union offers personal loans from 2% APR.
What is Formation Credit Union's best CD rate?
As of August 4, 2026, Formation Credit Union offers savings and certificate (CD) yields up to 3.25% APY.
Related Rate Data
Compare Formation Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Formation Credit Union rates
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# Get rates for Formation Credit Union
curl "https://api.rateapi.dev/credit-unions/louisiana/formation" \
-H "Authorization: Bearer YOUR_API_KEY"