If you’re looking for a way to lower monthly payments from credit cards, post-holiday bills, vehicle or other loans, let your credit union help you RESET YOUR DEBT. We can consolidate all of your higher rate loans into one low fixed monthly payment.


1. Save Money: Lowering your interest rate for all your debts can take years off your repayment period and help you save a significant amount of money.

2. An Easier Way To Pay: With a Consolidation Loan, you can pay off your bills and make only one low monthly payment.

3. A Higher Credit Score: Your credit score partly depends on your credit utilization - the amount of debt you carry compared to the amount of debt available to you. Paying off your credit cards with a Personal Loan from LA USA could cause your utilization ratio to go down and your credit score to go up!


1. Personal Loans: Taking out a personal loan with a lower interest rate to consolidate all of your debt could mean lower monthly payments and a higher credit score. LA USA offers a Personal Loan with rates as low as 8.25% APR*.

2. Home Equity Loans and Lines of Credit: The benefit of a home equity loan is the low interest rate and the ability to deduct the interest. LA USA offers particularly low FIXED interest rates as low as 5.50% APR*.

3. Credit Card Balance Transfers: Transferring high-rate credit card balances to a lower rate Visa Credit Card at LA USA is another great option. LA USA’s Visa Credit Card has rates as low as 8.00% APR* and a free Rewards Program!

To find out how much you can save call 225-292-8910 option 2 or APPLY ONLINE

If we detect potentially fraudulent use of your debit/credit card, a temporary hold will be placed on the card and you’ll receive a text message with details about the suspicious transaction. Here’s what you should do next:

Reply "YES” if you made the transaction. You will receive a confirmation text and can continue using your card with confidence.

Reply "NO” if you did not make the transaction. You’ll receive a confirmation text, and a fraud specialist will contact you immediately.

Please make sure we have updated phone numbers on file so we can protect your account. Call the Visa department for more info at 225-292-8910 option 3.

Sign up for the Christmas Club Savings Account at the credit union. By putting away a small amount every month into the account, you can have cash on hand to shop next holiday season instead of relying on credit cards. When you use payroll deduction or automatic transfers, it’s even easier to save. When it’s time to make your holiday purchases, you can make a spending plan and shop with cash. To get started, call Member Services at (225) 292-8910 option 5.


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