The INSTEP Credit Union All Credit Levels is a cdfi lender from INSTEP Credit Union. The ongoing APR is 3.25% - 7.25%. This product reports activity to your personal credit report. INSTEP Credit Union is a financial institution located in New Orleans, LA, dedicated to providing accessible financial services to its members. It serves individuals and businesses within the local community, focusing on those who may have limited access to traditional banking services. Services include: business loans, personal loans, auto loans, mortgages. US Treasury certified CDFI Credit Union in New Orleans, LA. Membership required.