Instep Credit Union

New Orleans, Louisiana
Last verified: August 4, 2026
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Verified rate book

Current Instep Credit Union rates

66 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

1 offer
Instep Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Whole Home Generatorother5.990% APR5.990%—Standard

Auto & vehicle rates

7 offers
Instep Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto2.500% APR2.500%—Advertised floor
96-Month RV Loanrv_any_96mo3.250% APR3.250%96 moStandard
New and Used Autoauto_any_72mo3.250% APR3.250%72 mo · anyStandard
48-Month Auto Loanauto_any_48mo3.250% APR3.250%48 moStandard
Motorcycle Loanmotorcycle3.250% APR3.250%—Standard
36-Month Auto Loanauto_any_36mo4.240% APR4.240%36 moStandard
Auto Loanauto7.250% APR7.250%—Standard

HELOC rates

1 offer
Instep Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Lines of Credit (HELOC)heloc_variable7.000% APR7.000%—Standard

Personal loan rates

5 offers
Instep Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
84-Month Debt Consolidation Loanpersonal_unsecured_84mo7.250% APR7.250%84 moStandard
Personal Line of Creditploc_variable7.250% APR7.250%—Standard
Life Style Loanpersonal_unsecured_12mo7.250% APR7.250%12 moStandard
Lifestyle Loanpersonal7.250% APR7.250%—Standard
Home Improvementpersonal_unsecured_96mo7.500% APR7.500%96 moStandard

Student loan rates

1 offer
Instep Credit Union student loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Tuitionstudent6.500% APR6.500%—Standard

Credit card rates

3 offers
Instep Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum8.900% APR8.900%—Standard
Secured Credit Cardcredit_card_secured10.900% APR10.900%—Standard
Visa Classiccredit_card10.900% APR10.900%—Standard

Savings & CD rates

47 offers
Instep Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Regular Sharesavings0.40% APY0.40%—Standard
Patriotic Checkingsavings1.10% APY1.10%—Standard
United Checkingsavings1.11% APY1.10%—Standard
IRAira1.26% APY1.25%—Standard
12-Month IRA Certificateira_cd_12mo2.35% APY2.35%12 moStandard
6-Month IRA Certificateira_cd_6mo2.35% APY2.35%6 moStandard
6-Month Certificatecd_6mo2.35% APY2.35%6 moStandard
3-Month Certificatecd_3mo2.35% APY2.35%3 moStandard
Certificateshare_certificate2.38% APY2.35%—Standard
3-Month Certificateshare_certificate_3mo2.38% APY2.35%3 moStandard
6-Month Certificateshare_certificate_6mo2.38% APY2.35%6 moStandard
24-Month IRA Certificateira_cd_24mo2.60% APY2.60%24 moStandard
6 Months (Mini-Jumbo)cd_6mo2.60% APY2.60%6 moStandard
9-Month Certificatecd_9mo2.60% APY2.60%9 moStandard
12-Month Certificatecd_12mo2.60% APY2.60%12 moStandard
36-Month IRA Certificateira_cd_36mo2.60% APY2.60%36 moStandard
3 Months (Mini-Jumbo)cd_3mo2.60% APY2.60%3 moStandard
9-Month Certificateshare_certificate_9mo2.63% APY2.60%9 moStandard
Share Certificates (3 Months (Mini-Jumbo))share_certificate_3mo2.63% APY2.60%3 moStandard
12-Month Certificateshare_certificate_12mo2.63% APY2.60%12 moStandard
Share Certificates (6 Months (Mini-Jumbo))share_certificate_6mo2.63% APY2.60%6 moStandard
1 Year (Mini-Jumbo)cd_12mo2.85% APY2.85%12 moStandard
24-Month Certificatecd_24mo2.85% APY2.85%24 moStandard
36-Month Certificatecd_36mo2.85% APY2.85%36 moStandard
9 Months (Mini-Jumbo)cd_9mo2.85% APY2.85%9 moStandard
Share Certificates (6 Months (Jumbo))share_certificate_6mo2.89% APY2.85%6 moStandard
24-Month Certificateshare_certificate_24mo2.89% APY2.85%24 moStandard
Share Certificates (1 Year (Mini-Jumbo))share_certificate_12mo2.89% APY2.85%12 moStandard
Share Certificates (3 Months (Jumbo))share_certificate_3mo2.89% APY2.85%3 moStandard
Share Certificates (9 Months (Mini-Jumbo))share_certificate_9mo2.89% APY2.85%9 moStandard
36-Month Certificateshare_certificate_36mo2.89% APY2.85%36 moStandard
Christmas Clubsavings3.00% APY3.00%—Specialty offer
3 Years (Mini-Jumbo)cd_36mo3.10% APY3.10%36 moStandard
2 Years (Mini-Jumbo)cd_24mo3.10% APY3.10%24 moStandard
Share Certificates (6 Months (Super Jumbo))share_certificate_6mo3.15% APY3.10%6 moStandard
Share Certificates (9 Months (Jumbo))share_certificate_9mo3.15% APY3.10%9 moStandard
Share Certificates (1 Year (Jumbo))share_certificate_12mo3.15% APY3.10%12 moStandard
Share Certificates (3 Years (Mini-Jumbo))share_certificate_36mo3.15% APY3.10%36 moStandard
Share Certificates (3 Months (Super Jumbo))share_certificate_3mo3.15% APY3.10%3 moStandard
Share Certificates (2 Years (Mini-Jumbo))share_certificate_24mo3.15% APY3.10%24 moStandard
Share Certificates (1 Year (Super Jumbo))share_certificate_12mo3.40% APY3.35%12 moStandard
Share Certificates (9 Months (Super Jumbo))share_certificate_9mo3.40% APY3.35%9 moStandard
Share Certificates (2 Years (Jumbo))share_certificate_24mo3.41% APY3.35%24 moStandard
Share Certificates (3 Years (Jumbo))share_certificate_36mo3.41% APY3.35%36 moStandard
Share Certificates (3 Years (Super Jumbo))share_certificate_36mo3.67% APY3.60%36 moStandard
Share Certificates (2 Years (Super Jumbo))share_certificate_24mo3.67% APY3.60%24 moStandard
Instep Kids & Teen Savingssavings4.00% APY4.00%—Eligibility restricted

Other rates

1 offer
Instep Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Your Guide To Low Ratesother3.250% %3.250%—Standard

As of August 4, 2026, Instep Credit Union offers mortgage rates from 5.99% APR. Vehicle loans available from 3.25% APR for 96 months. HELOC rates from 7% APR. Personal loan rates from 7.25% APR. Credit card rates from 8.9% APR. Savings and certificate yields up to 3.67% APY.

Source: RateAPI.dev, verified from Instep Credit Union's official website

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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. 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.

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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.

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. 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.

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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 August 4, 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 August 4, 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.

What is Instep Credit Union's mortgage rate?

As of August 4, 2026, Instep Credit Union offers mortgage rates from 5.99% APR.

What are Instep Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Instep Credit Union offers vehicle loans from 3.25% APR.

What is Instep Credit Union's HELOC rate?

As of August 4, 2026, Instep Credit Union offers home equity lines of credit from 7% APR.

What is Instep Credit Union's personal loan rate?

As of August 4, 2026, Instep Credit Union offers personal loans from 7.25% APR.

What is Instep Credit Union's best CD rate?

As of August 4, 2026, Instep Credit Union offers savings and certificate (CD) yields up to 3.67% APY.

Related Rate Data

Compare Instep Credit Union's rates against national credit-union benchmarks.

More Louisiana credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Instep Credit Union rates

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# Get rates for Instep Credit Union
curl "https://api.rateapi.dev/credit-unions/louisiana/instep" \
  -H "Authorization: Bearer YOUR_API_KEY"
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