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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 LBS Financial Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 9, 2026
LBS Financial Credit Union's 5 Month Promotional CDs rates are at 3.85%, IRA CDs - Jumbo 48 month rates are at 3.85%, IRA CDs - Jumbo 60 month rates are at 3.85%, Promotional CDs Minimum 5 Month rates are at 3.85%, CDs - Jumbo 48 month rates are at 3.85%. LBS Financial Credit Union's savings rates are at 0.10%. LBS Financial Credit Union's money market rates are at 0.10%. LBS Financial Credit Union's 15 Year Fixed Rate rates are at 5.62%, School Employee Home Loan 30 Year Fixed Rate rates are at 6.25%, 30 Year Fixed Rate rates are at 6.38%. MonitorBankRates evaluates the financial stability of LBS Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.06%. Rates were last updated on 04/09/2026. LBS Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at LBS Financial Credit Union? Share your experience about LBS Financial Credit Union by leaving a review below, or read customer reviews before you decide to use LBS Financial Credit Union. LBS Financial Credit Union
Westminster 5505 Garden Grove Blvd
https://www.lbsfcu.org Westminster, CA 92683 
LBS Financial Credit Union CD Rates
LBS Financial Credit Union Savings Rates
LBS Financial Credit Union Money Market Rates
LBS Financial Credit Union Checking Rates
LBS Financial Credit Union Mortgage Rates
LBS Financial Credit Union Home Equity & HELOC
LBS Financial Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for LBS Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather LBS Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with LBS Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
LBS Financial Credit Union
Website
https://www.lbsfcu.org
Address
5505 Garden Grove Blvd,
Westminster, CA 92683
Phone
714-893-5111
Fax
714-934-3486
President
Jay Camerino
CEO
Sean Hardeman
Full-Time Employees
226
Part-Time Employees
31
Branch Locations
7
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.06%
Return on Assets (ROA)
0.3639%
Return on Equity (ROE)
2.7600%
Non-Performing Loans Ratio (NPL)
0.51%
Total Assets
2,115,225,184
Total Amount of Shares and Deposits
1,828,261,291
Total Shares and Deposits < 1 Year
1,644,115,210
Total Shares and Deposits 1 3 Years
133,251,457
Total Shares and Deposits > 3 Years
50,894,626
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
249,398,635
Total Uninsured Shares and Deposits > $250K (F+J)
249,398,635
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,578,862,656
Total Interest Expense (Sum of items 6 8)
26,480,278
Share Certificates
14,568
Number of Accounts for Share Drafts
50,113
IRA KEOGH Accounts
6,794
Number of Accounts for Regular Shares
145,838
All other shares
2,855
Money Market Shares
8,303
Net Income (unless the amount is already included in Undivided Earnings)
7,697,870
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
322,319,409
Total Liabilities
1,832,874,654
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About LBS Financial Credit UnionIs LBS Financial Credit Union a safe place to deposit money?Yes, LBS Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 2.0643284195672%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does LBS Financial Credit Union operate?LBS Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join LBS Financial Credit Union?Yes, to access services at LBS Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, LBS Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, LBS Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does LBS Financial Credit Union offer online and mobile banking?Most modern institutions like LBS Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lbsfcu.org. Current LBS Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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