Business Details
Your Trusted Community Credit Union in Louisiana
Ascension Credit Union is a community-owned financial cooperative dedicated to serving Ascension, Assumption, Iberville, Livingston, and St. James Parishes. As a not-for-profit, member-driven institution and certified Community Development Financial Institution (CDFI), we prioritize improving lives through affordable loans, accessible banking, and trusted financial education. Guided by our mission of 'People Helping People,' we reinvest directly into our communities by supporting families, local businesses, and future generations with financial tools that build stability and long-term success. Our commitment to personalized service ensures members enjoy better rates, lower fees, and products designed for people, not profits.With over 50 years of combined experience in community banking, our team delivers expertise in auto loans, personal loans, mortgages, and business financing. We demonstrate authoritativeness through our CDFI certification and deep roots in Louisiana communities, ensuring reliability and transparency in all financial solutions. Our dedication to client satisfaction is reflected in our 24/7 mobile banking access, flexible loan terms, and a proven track record of helping members achieve financial goals.
Services
Auto Loans
Personal Loans
Mortgages
Business Loans
HELOC
Checking Accounts
Savings Accounts
Mobile Banking
Credit Cards
Financial Education
Highlights and features
- We offer personalized banking services tailored to local needs
- Our not-for-profit model prioritizes community reinvestment
- We provide flexible loan terms for auto, home, and business financing
- Certified CDFI with expertise in community financial development
- 24/7 mobile banking access with competitive interest rates
Associations and certifications
- Community Development Financial Institution (CDFI)
What people say
Easiest car buying experience
Amazing loan officer
Exemplary customer service
Helped in a tremendous way
Professional and knowledgeable staff
Services
Auto Loans
We provide competitive auto loans for new and used vehicles with flexible terms and low rates. Our financing options cover cars, trucks, motorcycles, and recreational vehicles. Members benefit from personalized service and quick approval processes.
Personal Loans
Our personal loans offer affordable financing for debt consolidation, home improvements, or unexpected expenses. With fixed interest rates and customizable repayment terms, these unsecured loans help members achieve financial goals without collateral requirements.
Mortgages
We offer fixed and adjustable-rate mortgages for home purchases and refinancing. Our local loan officers provide personalized guidance through the home buying process with competitive rates and flexible down payment options for first-time buyers.
Business Loans
Our business loans support local entrepreneurs with working capital, equipment financing, and expansion funding. We offer tailored solutions for small businesses including lines of credit and term loans with competitive rates.
HELOC
Homeowners can access flexible credit lines using their home's equity for renovations, education expenses, or major purchases. Our HELOCs feature variable rates and draw periods up to 10 years with affordable repayment options.
People
Lloyd Cockerham
President | CEO
Lloyd Cockerham leads Ascension Credit Union with over 25 years of community banking experience. He champions financial inclusion and community development through member-focused services and strategic growth initiatives.
Questions
What loan options are available for first-time homebuyers?
We offer competitive mortgage programs with low down payment options and financial counseling for first-time homebuyers in our service area.
How can I access my account after hours?
Our mobile banking app provides 24/7 access to account management, bill pay, and mobile check deposit features for all members.
What makes Ascension Credit Union different from banks?
As a member-owned credit union, we reinvest profits locally and offer better rates with personalized service focused on community needs.
Do you offer business banking services?
Yes, we provide business checking accounts, commercial loans, and financial management tools specifically designed for local businesses in our parishes.
How do I become a member?
Joining requires a small deposit and eligibility through residence, employment, or family connections in our service area parishes.
What financial education resources do you provide?
We offer free workshops, budgeting tools, and one-on-one counseling to help members improve financial literacy and achieve long-term stability.
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