Credit scores are essential, but they don’t tell your whole story. At Bayou Community FCU, we see beyond the numbers. We know your potential, your plans, and the community roots that brought you here.

Whether you're just starting out or looking to bounce back stronger, you deserve a way forward that feels safe and supported. That’s why we offer Share Secured Loans: a smart, people-first way to build credit right here in St. Gabriel.

What Is a Share Secured Loan?

A Share Secured Loan is a type of loan backed by your own Savings Account. Instead of borrowing against future income or applying for unsecured credit, you borrow against funds you already have on deposit at Bayou Community FCU.

Here’s how it works:

  • You use your savings (also called “shares”) as collateral.

  • Benefit from better rates than traditional Personal Loans or credit cards.

  • Your funds remain in your account, untouched, while you repay the loan.

  • As you make monthly payments, we report your on-time activity to the credit bureaus.

It’s like borrowing from the future you, without dipping into your hard-earned savings.

Why It’s Ideal for Credit Building in St. Gabriel

Whether you're building credit for the first time or working to improve your score, a loan needs to be affordable, manageable, and low risk to build credit. That’s exactly what a Share Secured Loan offers.

With each on-time payment, your credit profile grows stronger. You’re borrowing against your own money, so there’s no risk of overspending. And because Bayou Community FCU reports to the major credit bureaus, your efforts are recognized where it matters.

Share Secured Loans vs. Traditional Loans

Traditional loans often rely on credit history, income, and other factors that can make approval challenging, especially for new borrowers or those with past credit issues. A Credit Builder Loan, like a Share Secured Loan, changes that.

  • Easier Approval: You're using your own funds as collateral.

  • Better Rates: Because your savings secure the loan, you often qualify for more favorable rates than unsecured loans or credit cards.

  • Lower Risk: No new debt or high interest rates.

  • Greater Control: Borrow only what you can back with your savings.

We’re not here to profit off your setbacks. We’re here to help you bounce back and move forward with a better credit score!

Rooted in St. Gabriel. Committed to You.

When you choose Bayou Community FCU, you’re not choosing a big bank with shareholders.  We’re member-owned, which means your financial well-being is our top priority! 

That means better rates, fewer fees, and support from people who live and work right here in St. Gabriel. You’ll always get personal service, local decision-making, and a team that understands your goals. We’re here for your long haul, not just a quick loan.

Easy Application, Real Results

Need to get things moving quickly? Our online application makes it easy to apply from wherever you are. Prefer to talk it through with a real person? We’re here for that, too! Stop by your local St. Gabriel branch.

No matter how you apply, you can expect:

  • A quick, secure application process

  • Fast approvals

  • Friendly local guidance from start to finish

It’s quick. It’s local. And it’s built around your real life.

Ready to Build Your Credit the Right Way?

If you're ready to improve your financial future, a Share Secured Loan is a powerful tool to get you there. At Bayou Community FCU, we’re proud to help our neighbors in St. Gabriel take smart steps toward long-term success.

You deserve options. You deserve understanding. And you deserve a financial partner that truly cares. Join today, apply today, and let’s take that next step together!