Question 1

What is Old Spanish Trail Credit Union (OST CU)?

Accepted Answer

Old Spanish Trail Credit Union (OST CU) is a small, community-focused federal credit union based in Westlake, Louisiana. With approximately $5.7 million in assets and 928 members, the credit union serves the Southwest Louisiana region. OST CU specializes in providing personalized loan services and savings accounts to its members and their dependents, emphasizing local community involvement and member satisfaction.

Question 2

When was Old Spanish Trail Credit Union (OST CU) founded?

Accepted Answer

Old Spanish Trail Credit Union was founded in 1941. The credit union has served the Westlake community and surrounding areas for over 80 years, maintaining its commitment to providing accessible financial services to members throughout its history. The credit union's longevity reflects its stable presence in the Southwest Louisiana financial landscape.

Question 3

Where is Old Spanish Trail Credit Union (OST CU) headquartered?

Accepted Answer

Old Spanish Trail Credit Union is headquartered in Westlake, Louisiana. The main office is located at 2200 Old Spanish Trail in Westlake, LA 70669. The credit union's mailing address is P.O. Box 37, Westlake, LA 70669.

Question 4

Where does Old Spanish Trail Credit Union (OST CU) operate?

Accepted Answer

Old Spanish Trail Credit Union operates primarily in Westlake and the surrounding Southwest Louisiana region. The credit union serves members who meet its field of membership requirements, which include members and their immediate family members, as well as dependents of members. The credit union maintains a focused, local presence in Calcasieu Parish and the greater Lake Charles area.

Question 5

What services does Old Spanish Trail Credit Union (OST CU) offer?

Accepted Answer

Old Spanish Trail Credit Union provides essential banking services including share savings accounts, consumer loans, and auto loans. The credit union offers loans and savings accounts for all members, as well as savings accounts for dependents of members. Member services focus on personalized financial solutions with a consumer loan portfolio that represents approximately 68% of the credit union's asset mix. Members can contact the credit union by phone at (337) 491-5025 or via email at ostcu@aol.com.

Question 6

What makes Old Spanish Trail Credit Union (OST CU) unique?

Accepted Answer

Old Spanish Trail Credit Union distinguishes itself through its small, personalized approach to member service and its long-standing commitment to the Westlake community. With over 80 years of service since 1941, OST CU has maintained excellent capitalization with a net worth ratio of 29.62%, demonstrating strong financial stability. The credit union emphasizes building long-lasting relationships with members through personalized financial solutions and a welcoming, inclusive environment that focuses on individual member needs rather than mass-market products.

Question 7

What type of financial institution is Old Spanish Trail Credit Union (OST CU)?

Accepted Answer

Old Spanish Trail Credit Union is a federal credit union chartered under NCUA Charter Number 61963. As a member-owned cooperative financial institution, the credit union operates on a not-for-profit basis, with membership available to eligible individuals and their families. Members maintain ownership through their share savings accounts, with a minimum balance of $5 required as part of the cooperative structure. The credit union is regulated by the National Credit Union Administration (NCUA) and serves members in NCUA Region 2.

Old Spanish Trail Credit Union (OST CU)

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About Old Spanish Trail Credit Union (OST CU) in the United States