Frequently Asked Questions

Am I eligible to join Engage Federal Credit Union?
Yes, if you live, work, attend school or attend church in Winn, Sabine, Grant, Red River, or Natchitoches Parishes, you are eligible to join Engage FCU.

Is it expensive to join a credit union?
No, actually, our loan rates are typically less expensive and our dividend/savings rates are typically higher than what you will find at a bank. You can join Engage, simply by opening a $5 share savings account which entitles you to all the benefits of membership.

Do you offer small business products and services?
Yes, we offer a micro-business lending product, the Seed Loan, which can be used by new or established entrepreneurs to cover operational expenses, purchase of equipment or vehicle or to expand operations.

Where are your ATMs located and which ATM networks do Engage members have access to?
ATMs are located at:

Engage FCU
256 Highway 3175
Natchitoches, LA 71457

International Paper Co.
4537 Highway 480
Campti, LA 71411

The ATM networks that Engage members have access to are:
Cirrus, Star, Visa and Alliance One

Can you assist me with establishing or rebuilding credit?
Yes! This is part of our credit union philosophy and mission. We offer free credit empowerment sessions. We can teach you how to review your credit report and help you develop an action plan to establish or improve your credit.

What services do you offer to students?
Engage offer students our savings account ($5 minimum to open) and a no-fee checking account, and secured credit card, to help you responsibly build and maintain credit while you advance your studies. Financial counseling and a variety of loans are also available to students.

I know credit unions have great loan rates, but why should I open a checking account at Engage?
For starters, fees are minimal – while some standard fees such as non-sufficient funds (NSF) , are at much lower rates than what you would pay at a bank. Plus, keeping a checking account at Engage is a social investment that helps recycle capital back into local communities in the form of lower loan rates and additional services.