Smart Share Savings

Start enjoying the benefits of being a part-owner of Southwest Louisiana Credit Union while saving some cash on the side.

Account Features

  • High-yield basic savings account

  • $25 minimum deposit to open

  • Minimum required balance of $25

  • Dividends compounded and paid quarterly on an average daily balance of $25 or more

$mart Share benefits

  • Membership at the credit union, with perks such as lower interest rates, higher yields, free financial counseling, and more!

  • No monthly service charge—FREE

  • Free online banking, mobile banking, and e-Statements

How to Open

  • $25

  • Two forms of ID

 Smart Club Accounts

With a competitive dividend rate, these accounts are perfect for off-season saving for vacations and holidays!

Use Online Banking to Open an Account

Account Features

  • Minimum opening deposit of $5

  • Minimum required balance of $5

  • No monthly service charge

  • Dividends compounded and paid quarterly on an average daily balance of $5 or more

  • Free online banking, mobile banking, and e-Statements

Christmas Club

  • Save year-round for Christmas gifts and expenses

  • Funds available for withdrawal penalty-free from November 1 through December 31

  • Withdrawals made between January 1 and October 31 incur a $15 fee for early withdrawal

Vacation Club

  • Save year-round for your family vacation

  • Funds available for withdrawal penalty-free during the first seven calendar days of each month

  • Withdrawals made after the seventh calendar day will incur a $15 fee for early withdrawal

Smart CDs (Term Share Certificates)

Earn a Higher Interest Rate Than a Savings Account

Account Features

Feeling ambitious with your assets?

We know a thing or two about increasing your earnings with practically no risk. Our Share Certificates earn higher interest than a regular savings account, and they come with fixed rates for guaranteed returns.

Benefits

  • Competitive rates

  • Terms for six months to three years

  • Dividends paid monthly

  • Penalties apply for early withdrawal

  • CDs automatically renew at maturity (excludes Cowboy Up CD)

Cowboy Up CD

Cowboy Up CD

7-Month

  • Minimum opening deposit of $100

  • Minimum required balance of $100

  • Starts at 2.50% APY*

  • Rate increases by 0.01% APY EVERY TIME McNeese Football scores this season and postseason (2025-2026)

    • Ex: If McNeese scores 28 points, your rate will increase by 0.28% APY

  • Increased rate effective the next business day after a win

  • Dividends compounded and paid monthly on an average daily balance

  • Receive monthly statements

Give us a call at (337) 477-9190 to open yours today!

*Cowboy Up CD. APY = Annual Percentage Yield. The initial interest rate is 2.00% APY effective 11/01/24 and will not decrease. The APY will go up 0.10% APY each time the McNeese State University Men’s Basketball team wins a game in the 2024-2025 season. This includes up to 32 regular season games and 5 post season games. Post season games are defined to include the Southland Conference Basketball Championship and any NCAA sanctioned post season tournament for the 2024-2025 season. If you open a Cowboy Up term share deposit account after the season begins, the initial APY will be 2.00%. Rate increase, if applicable, will become effective the next business day after each game. There is a possibility the APY may not increase. The term of the Cowboy Up Term Share is 11 months. The minimum opening balance and minimum balance to earn interest is $100. Rate and product offered may change at any time. Fees could reduce earnings. Early withdrawal penalties will apply. Membership eligibility required. McNeese State University student athletes are unable to participate.

 

Traditional CD

6-Month, 1-Year, 2-Year, or 3-Year Certificate

  • Minimum opening deposit of $500.00

  • Minimum required balance of $500.00

  • Fixed rate

  • Dividends compounded and paid monthly on an average daily balance

  • Receive monthly statements

 

Expandable CD

1-Year, 2-Year, or 3-Year Expandable Certificate

Expandable CDs let you add cash at any time, so your cash can grow as you grow!

  • Minimum opening deposit of $100.00

  • Minimum required balance of $100.00

  • Minimum deposit of $25.00 or more at any time up to maturity

  • Fixed rate

  • Option of 1, 2, or 3-year terms

  • Dividends compounded and paid monthly on an average daily balance of $100.00 or more

  • Receive monthly statements

Smart IRAs

Be Prepared for the Future You Want

Choose between our $mart IRA Share Account and our $mart IRA Term Share Certificate to start putting away for retirement today!

$mart IRA Share Account

  • Minimum opening deposit of $250

  • Minimum required balance of $250

  • Dividends compounded and paid monthly on an average daily balance of $250 or more

  • Receive monthly statements

$mart IRA Term Share Certificate

  • Terms: 6-month, 1-year, 2-year or 3-year

  • Minimum opening deposit of $500.00

  • Minimum required balance of $500.00

  • No monthly service charge—FREE

  • Dividends compounded and paid monthly on an average daily balance of $500.00 or more

  • Receive monthly statements

Money Market Account

Open an Account

Account Features

  • Higher dividend rates than regular savings

  • No monthly service charge

  • $2,500 deposit to open

  • Limit of six monthly pre-authorized debit transactions, only 3 may be checks

  • Check order will be debited directly from account

Perks

  • Higher dividend rates than regular savings

  • Dividend rates are set monthly and based on tiers

  • No monthly service charge; however, if balance drops below the minimum required amount, there will be a $10 service charge

  • Free online banking, mobile banking, and e-Statements

Tiers are as follows:

  • $2,500.00 – $49,999.99

  • $50,000.00 – $99,999.99

  • $100,000.00 and above