First and Second Mortgage | Home Equity |Reverse Mortgages | Land | New and Used Auto Loans
Auto Re-financing | First Time Auto Buyer | Dealer Direct Financing|Recreational | Line of Credit
Christmas Loans | Lifestyle Lending | Vacation | Salary Advance | Student | Credit Card Ino
Business Equipment | Business Real Estate | Business Secured | Business Unsecured | Business Platinum VISA Credit Card
Mortgage/Real Estate Loans
Home Loans help make dreams come true
If you’re considering a real estate loan, let Carter Federal Credit Union serve as your one-stop financial institution.
With our partnership with CU Members Mortgage, we offer First Mortgage Loans, Second Mortgage Loans, Home Improvement Loans, Reverse Mortgages, Land Loans, Home Equity Line of Credit Loans, and more.
Mortgage Loans
Ready to buy your own home? Talk to a home loan professional and make your home-ownership dreams a reality! Our expanded mortgage loan program gives you a variety of products to meet your needs, better service, and better access. Carter Federal and CU Members Mortgage are ready to help.
Get Online Mortgage Approval in Minutes!
When you begin the application process, you’ll be asked to create a log-on name and password, so you can come back to the site multiple times (if necessary) to complete your application. You can also take advantage of our mortgage calculators to find out how much home you can afford.
Home Equity Loans
If you already own your home and have some equity built up, you've got a ready source of funds for almost any financial need. Home equity loans are a sensible way to finance home improvement projects, educational expenses, or consolidate other debt. Why? Because you're liable to get a much lower rate on your home equity loan than on most other types of consumer loan. See a Carter Federal loan representative for more information on how you can borrow and save.
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Reverse Mortgages
Reverse Mortgages offer senior homeowners a way to turn home equity into Tax Free Cash! If you are a homeowner 62 years of age or older, a Reverse Mortgage can supplement your income. With no income requirements and minimal credit requirements, you may qualify for a Reverse Mortgage to pay for home repair, debt reduction, living expenses, healthcare. Several options let you receive your home’s equity to best suit your needs, whether a monthly payment or a lump sum. Plus, funds received from a Reverse Mortgage are not subject to income tax and do not affect Social Security Benefits.
Land Loans
Not quite ready to build, but don't want that perfect piece of property to get away from you? Secure your future home-site with a Land Loan from your credit union.
New and Used Auto Loans
Finance your vehicle with Carter Federal...or re-finance
Auto manufacturers are often throwing out tantalizing financing offers to lure you to their lot… but look closely. Your credit union just might be the best place you can turn to for low auto loan rates and loan pre-approval, something which might help you with the negotiations.
Once you've been pre-approved at your credit union, you'll have the freedom to take advantage of any deal, knowing exactly how much you can afford to spend.
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Get Your Vehicle Discount
One more good reason to be a credit union member—special discounts on new vehicles through our Invest in America program with U.S. automakers. Of course, the deal gets even better when you finance your new car or truck through your credit union. Get $500 or $1,000 cash incentives on eligible vehicles with financing at Carter Federal. These rebates will be exclusively for credit union members who obtain financing from a credit union, layering on top of other incentives.
Auto Re-financing
Your credit union is a great place to find a better deal even after you've signed on the dotted line with another institution. You can bring an existing auto loan over to Carter Federal and re-finance with us, often at a lower interest rate that will save you some cash!
First Time Auto Buyer Loans
Have no credit or limited credit? Carter Federal can help! Best of all this service is FREE, so you could be driving your new car sooner than you think.
Dealer Direct Financing
Carter Federal has teamed up with car dealers in NW Louisiana to give you more flexibility to buy the vehicle you want and still take advantage of the credit union’s low rates. When you find the automobile you like, you can buy it onsite and still get Carter Federal’s great, low loan rates. You’ll also save valuable time by completing your Carter Federal loan documents at any of the following dealerships.
Shreveport/Bossier City |
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Alleman Kawasaki
Bayou Outdoor Supercenter
Chevyland
Enterprise Car Sales
G&C Honda
Landers Dodge-Chrysler-Jeep |
Morgan Pontiac-GMC
Orr Acura-Infiniti
Orr Cadillac-Hummer-SAAB
Orr Mitsubishi
Orr Nissan
Red River Chevrolet |
Reeves Marine
Rountree Hyundai
Saturn of Shreveport
Shreveport Motorsports
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Mansfield
Mansfield Auto World
Minden
Minden Country Chevrolet
Springhill
Piney Woods Ford
Springhill Motors
Auto Smart
Business Loans
We want your business to prosper!
As a Small Business Administration (SBA) Lender, we can assist you with all of your business needs. Carter Federal is a strong supporter of our community and of local business. We offer loans for small to medium size businesses with special rates and terms.
Business Equipment Loans
At Carter Federal we value your membership and want to help your business grow. We offer affordable equipment financing at competitive rates!
- Machinery & Equipment
- Commercial Vehicles
Business Real Estate Loans
Finance existing or new space; make improvements with flexible terms and competitive rates.
- Acquisition and Development
- Construction
- Land Only
- Agricultural
- Investment Occupied
Business Secured Loans
- Listed Stocks
- Cash Secured
- U. S. Treasury Securities
Business Unsecured Loans
- Business Line of Credit
- Business Platinum VISA Credit Card
Business Platinum VISA Credit Card
Carter Federal’s Platinum Rewards VISA credit card benefits your business or non-profit association. Powerful credit lines. Competitive interest rate. Use your Platinum VISA credit card anywhere VISA is accepted. Plus, much more!
- No Annual Fee
- Rates as Low as 9.9% APR*
- NO Balance Transfer or Cash Advance Fees
- Credit Line up to $25,000
- Up to 1% Cash Back on Purchases
- $0 Fraud Liability
Personal Loans
Small personal loans for any need. Depending on your credit profile, Carter Federal can approve loans to fund a variety of things such as vacations, major purchases, educational expenses, and more!
Recreational Loans
Sometimes you need to get away from it all. No matter what your choice of recreation, Carter Federal can help with financing. Easy terms and competitive rates will let you enjoy yourself without worrying about having paid too much.
- New and Used Motorcycles - Terms up to seven years
- RVs - Terms up to 12 years
- Campers - Terms up to 12 years
- Boats and Watercraft - Terms up to 12 years
Line of Credit
Your personal line of credit is a variable rate personal loan with generous limits and easy access. Use your line of credit to draw cash from your account in times of need. The low APR is subject to change variably.
Christmas Loans
Don't let gift-giving or unexpected expenses stress you out during the holiday season. Take advantage of Carter Federal's low-rate Christmas loans! Get a great rate on a loan and use the extra money any way you want. Borrow $1,200 at a low rate of 12% for 12 months and it will pay off just in time for your next Christmas loan.
Lifestyle Lending
Ready for that touch-up or a complete make-over? Carter Federal can offer a loan to help you be the best you can be.
Vacation Loans
You can take that dream vacation and leave all your worries behind knowing that you got a great rate on your loan from Carter Federal.
- No Early Payoff Penalties
- Payment by Payroll Deduction
- Low Rate Credit Life or Credit Disability Insurance
- Competitive Interest Rates
Salary Advance Loans
Short on cash? If an emergency comes up and you need a quick loan until next payday, try SAL, our Salary Advance Loan program! It’s an inexpensive, convenient loan that let’s you use extra money in between paychecks.
Student Loans
Get the money you need for college.
Use Lender ID 824388
Carter Federal understands the importance of higher education. That’s why we have a number of products and services in place to help students and future students achieve their educational goals. From planning to making it affordable, Carter Federal can help!Get student loans at very competitive rates to take the worry out of tuition time! Follow these steps to get started.
Step 1- Complete the FASFA
Free Application for Federal Student Aid and is required by the Federal Government. FASFA PIN is needed to complete application.
Step 2- Correct you SAR
When the Student Aid Report is received, it must be checked, report any changes as soon as possible.
Step 3- Complete an MPN
Master Promissory Note is provided on our website. Complete this form unless otherwise instructed.
Step 4- Contact Their Financial Aid Office
See what Financial Aid they qualify for.
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