The Meritus Federal Credit Union All Credit Levels is a cdfi lender from Meritus Federal Credit Union. The ongoing APR is 3.99%. Rewards: Free checking that pays you back!. This product reports activity to your personal credit report. Meritus Federal Credit Union is a community-focused financial institution located in Lafayette, LA, dedicated to providing accessible banking services and loans to its members. They serve individuals and families in Louisiana, offering a range of financial products including personal loans, auto loans, mortgages, and various checking and savings accounts. Services include: personal loans, auto loans, mortgages. US Treasury certified CDFI Credit Union in Lafayette, LA. Membership required.