 ASI Federal Credit Union »
Harahan. Serving select employee groups and those who live or work in Mandeville.
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 e Federal Credit Union »
Baton Rouge. Membership is open to select employer groups.
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 Barksdale Federal Credit Union »
Bossier City. Serving select employee groups and organizations in Louisiana.
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 Shell New Orleans Federal Credit Union »
New Orleans. Serving select employee groups in Greater New Orleans.
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 Campus Federal Credit Union »
Baton Rouge. Serves select employee groups and their families.
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 Eable Louisiana Federal Credit Union »
Baton Rouge. Serving employees and retirees of the Louisiana Department of Social Services and other groups.
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 WESLA Federal Credit Union »
Shreveport. Serving Caddo Parish, Shreveport with over 20,000 members.
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 Dow Louisiana Federal Credit Union »
Plaquemine. Serves employees who work at or are supervised from or are paid through the Dow Chemical Company.
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 Louisiana Federal Credit Union »
Baton Rouge. Serving nearly 200 member companies throughout Louisiana.
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 Alexandria USDA Federal Credit Union »
Pineville. Serving select groups and parishes throughout Central Louisiana.
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 Bayou Federal Credit Union »
Baton Rouge. Serves select employee groups and their families.
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 Jefferson Parish Employees Federal Credit Union »
Jefferson. Serves employees of Jefferson Parish. Lists hours, branch locations and services.
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 UNO Federal Credit Union »
New Orleans. Serving UNO employees and UNO students.
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 Baton Rouge Fire Department FCU »
Baton Rouge. Serving Baton Rouge firefighters and their families.
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 Carter Federal Credit Union »
Springhill. Serves many companies, churches, and organizations in Louisiana.
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 Pelican State Credit Union »
Baton Rouge. Serving permanent employees or retirees of select organizations.
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 RiverLand Credit Union »
New Orleans. Serving select employee groups and their families.
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 Bossier Federal Credit Union »
Bossier City. Serves the active and retired employees of Bossier City, Bossier Parish and the Bossier Parish School Board.
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 Capital City Press Federal Credit Union »
Baton Rouge. Serves present, former and retired employees of a number of organizations in Baton Rouge.
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 Breco Federal Credit Union »
Baton Rouge. Serves Gulf States Utilities, and Energy Corporation employees, their family members and retirees.
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Don't escrow taxes and insurance. Unless you're undisciplined, avoid putting monies in escrow to cover your property taxes and homeowner's insurance. There's usually a fee for this privilege that runs under 1 percent of the loan amount, in states where it's allowed. "Paying the fee will allow you to time your tax and insurance payments to your benefit," says Bank South's Steve Austin. For instance, you may be able to prepay taxes that are due next year and use those payments to reduce your current tax bill. Moreover, you get to hang onto your money longer. That may be an advantage when interest-bearing accounts start paying more.
If you know that you will be moving in 3 to 5 years, you might want to consider refinancing to a 3 or 5 year ARM (adjustable rate mortgage). These loans typically have a much lower rate that a traditional fixed rate loan such as a 30 year fixed, but they do have a fixed rate for the first 3 or 5 years of the loan. This will enable you to benefit from the lower rate, but you won't ever have to worry about the risk of a rate adjustment because you will be selling the home before the fixed-rate period ends.