☰

Home›
Credit Unions›
Leatherstocking Region Federal Credit Union

iAdvertiser Disclosure

Leatherstocking Region Federal Credit Union Rates & Review September 2026

Q: What are the current interest rates at Leatherstocking Region Federal Credit Union?

Current rates for Leatherstocking Region Federal Credit Union include: Savings: 2.50%

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Leatherstocking Region Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Leatherstocking Region Federal Credit Union's savings rates are at 2.50%. Leatherstocking Region Federal Credit Union's Personal Loan Rates are as low as 8.49%. Leatherstocking Region Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Leatherstocking Region Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.52%. Rates last updated and verified on 09/14/2026.

Leatherstocking Region Federal 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 Leatherstocking Region Federal Credit Union? Share your experience about Leatherstocking Region Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Leatherstocking Region Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.52%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Leatherstocking Region Federal Credit Union
Main Office

24 Glen Ave
Cooperstown, NY 13326-1122

https://www.lsrfcu.org

Leatherstocking Region Federal Credit Union Savings Rates

Product	Rate	APY	View More
Money Market Savings Accounts	-	2.50%
Details Call (607) 547-5700 for more info and apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Leatherstocking Region Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings Accounts	-	2.50%
Details Call (607) 547-5700 for more info and apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Leatherstocking Region Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	4.39%	36 months or less
Details Rate quoted is for A or A+ credit with term of 36 months or less for vehicle model year 2022 or newer. Rate based on credit worthiness, term of loan, and vehicle model year if auto loan. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Used Vehicle Loan	-	-	4.39%	36 months or less
Details Rate quoted is for A or A+ credit with term of 36 months or less for vehicle model year 2022 or newer. Rate based on credit worthiness, term of loan, and vehicle model year if auto loan. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Leatherstocking Region Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	9.90%
Details As low as Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Leatherstocking Region Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature (personal) Loans	8.49%	6 to 84 months
Details Rates start as low as 8.49% APR* Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Leatherstocking Region Federal Credit Union’s Texas Ratio fell from 5.35% in Q2 2023 to 3.52% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$108M	3.52%	5.0	A+
December 31, 2025	$101M	4.81%	5.0	A+
September 30, 2025	$99M	5.81%	5.0	A+
June 30, 2025	$96M	5.24%	5.0	A+
March 31, 2025	$93M	5.96%	5.0	A+
December 31, 2024	$89M	7.46%	5.0	A
September 30, 2024	$86M	6.06%	5.0	A
June 30, 2024	$84M	4.85%	5.0	A+
March 31, 2024	$78M	6.04%	5.0	A
December 31, 2023	$74M	5.95%	5.0	A+
September 30, 2023	$75M	6.39%	5.0	A
June 30, 2023	$76M	5.35%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Leatherstocking Region Federal 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 Leatherstocking Region Federal 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 Leatherstocking Region Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Leatherstocking Region Federal Credit Union

Website https://www.lsrfcu.org

Address 24 Glen Ave, Cooperstown, NY 13326-1122

Phone 607-547-5700

Fax 607-547-1856

President Jean Schifano

CEO Anoel Kelly

Full-Time Employees 16

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.52%

Return on Assets (ROA)

0.2684%

Return on Equity (ROE)

2.2978%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

107,532,851

Total Amount of Shares and Deposits

94,855,143

Total Shares and Deposits < 1 Year

91,067,087

Total Shares and Deposits 1 3 Years

3,728,224

Total Shares and Deposits > 3 Years

59,832

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,712,362

Total Uninsured Shares and Deposits > $250K (F+J)

1,712,362

Total Insured Shares and Deposits > $250K (item 17 less item K)

93,142,781

Total Interest Expense (Sum of items 6 8)

397,334

Share Certificates

952

Number of Accounts for Share Drafts

3,290

IRA KEOGH Accounts

193

Number of Accounts for Regular Shares

6,522

All other shares

816

Money Market Shares

261

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,175,210

Total Liabilities

94,969,630

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Leatherstocking Region Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/leatherstocking-region-federal-credit-union-rates-review-22625">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Leatherstocking Region Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Leatherstocking Region Federal Credit Union

Frequently Asked Questions About Leatherstocking Region Federal Credit Union

How many branches does Leatherstocking Region Federal Credit Union operate?

Leatherstocking Region Federal 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 Leatherstocking Region Federal Credit Union?

Yes, to access services at Leatherstocking Region Federal 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, Leatherstocking Region Federal 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, Leatherstocking Region Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Leatherstocking Region Federal Credit Union offer online and mobile banking?

Most modern institutions like Leatherstocking Region Federal 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.lsrfcu.org.