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LG&W Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
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 and Verified: October 12, 2026

LG&W Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its CD - 6 month, 0.20% APY on savings, 1.50% APY on money market accounts, personal loans from 9.00% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other LG&W Federal Credit Union CD rates include IRA CD - 12 month at 3.55%, CD - 12 month at 3.50%, and IRA CD - 24 month at 3.05%. MonitorBankRates evaluates the financial stability of LG&W Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.40%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.40%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
LG&W Federal Credit Union
L G & W FCU
1616 Whitten Rd
Memphis, TN 38134
https://www.lgwfcu.com
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

LG&W Federal Credit Union CD Rates

Product Rate APY Term View More
Share Certificate - 6 month 3.75% 3.75% 6 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
IRA Certificate - 12 month 3.55% 3.55% 12 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Share Certificate - 12 month 3.50% 3.50% 12 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
IRA Certificate - 24 month 3.05% 3.05% 24 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 25, 2026: 3.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
24 Month Share Certificate 3.00% 3.00% 24 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
IRA Certificate - 36 month 2.30% 2.30% 36 Months
Min Balance $1,000
Details 36 month IRA certificate has one-time option to bump up to higher interest rate
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Sep 25, 2026: 2.30% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
IRA Certificate - 48 month 2.30% 2.30% 48 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Sep 25, 2026: 2.30% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
IRA Certificate - 60 month 2.30% 2.30% 60 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Sep 25, 2026: 2.30% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Share Certificate - 36 month 2.25% 2.25% 36 Months
Min Balance $1,000
Details One-time option to bump up to higher interest rate
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Share Certificate - 48 month 2.25% 2.25% 48 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Share Certificate - 60 month 2.25% 2.25% 60 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

LG&W Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.20% 0.20%
Min Balance $5
Details Balance: $5.00 and above
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 25, 2026: 0.20% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
My Savings 0.20% 0.20%
Min Balance $5
Details Balance: $5.00 and above
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 25, 2026: 0.20% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

LG&W Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 1.50% 1.50%
Min Balance $100,000
Details Balance: $100,000.00 and above
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Money Market 1.00% 1.00%
Min Balance $3,000
Details Balance: $3,000.00 to $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Money Market 0.20% 0.20%
Min Balance $0
Details Balance: $0.01 to $2,999.99
Last Updated 10/12/2026
Rate History
2 changes since Sep 25, 2026 · 0.20% → 0.20% ▼ 0.00 pts · high 1.50% / low 0.20%
0.00%1.40%2.80%Sep 25, 2026: 0.20% APYOct 8, 2026: 1.50% APYOct 12, 2026: 0.20% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20260.20%▼ from 1.50%
  • Oct 8, 20261.50%▲ from 0.20%
  • Sep 25, 20260.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

LG&W Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity LOC - - 7.00%
Details Prime Variable; Loan-to-Value 90%
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Oct 4, 2026: 7.00% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

LG&W Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New and Used Auto Loans - - 3.25% Up to 35 Months
Details Published APR range: 3.25% - 14.75%. Model Years: 2017-2026
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.25% APR · checked 3 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
New and Used Auto Loans - - 3.75% 36 - 59 Months
Details Published APR range: 3.75% - 15.25%. Model Years: 2017-2026
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.75% APR · checked 3 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Auto Loans - - 4.25%
Details Published APR range: 4.25%-15.75%. APR varies from 4.25% APR to 15.75% APR depending on credit score and length of financing; new loans only, refinance of loan already with LG&W FCU will not qualify; applies to 2017-2026 year models; minimum $30,000.00 for loans financed for 72 months and above; 125% LTV of NADA retail value available on refinances from other institutions at a .50% rate increase
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 4.99% → 4.25% ▼ 0.74 pts · high 4.99% / low 4.25%
3.51%4.62%5.73%Sep 25, 2026: 4.99% APROct 12, 2026: 4.25% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.25%▼ from 4.99%
  • Sep 25, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
New and Used Auto Loans - - 4.25% 60 - 83 Months
Details Published APR range: 4.25% - 15.75%. Model Years: 2017-2026
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
New and Used Auto Loans - - 4.75% 84 Months
Details Published APR range: 4.75% - 16.25%. Model Years: 2017-2026
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 25, 2026: 4.75% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Auto Loan - - 4.99%
Details As Low As; Low-Interest Auto Loans for New and Used Models
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 25, 2026: 4.99% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Extended Year Models Auto Loan - - 9.00% 36 Months
Details Published APR range: 9.00% - 18.00%. Model Years: 2015 - 2016
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 9.00% APR · checked 3 times
8.50%9.00%9.50%Sep 25, 2026: 9.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

LG&W Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motor Homes, Travel Trailers, Boats - Up to 35 Months Loan - 4.25% Up to 35 Months
Details Published APR range: 4.25% - 15.75%. Model Year: 2020-2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Motorcycles & ATVs Loan - 4.25% Up to 35 Months
Details Published APR range: 4.25% - 15.75%. Model Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Motor Homes, Travel Trailers, Boats - 36 - 59 Months Loan - 4.75% 36-59 months
Details Published APR range: 4.75% - 16.25%. Model Year: 2020-2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Motorcycles & ATVs Loan - 4.75% 36 - 59 Months
Details Published APR range: 4.75% - 16.25%. Model Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Oct 8, 2026: 4.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Motor Homes, Travel Trailers, Boats - 60 - 83 Months Loan - 5.25% 60-83 months
Details Published APR range: 5.25% - 16.75%. Model Year: 2020-2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Motorcycles & ATVs Loan - 5.25% 60 - 83 Months
Details Published APR range: 5.25% - 16.75%. Model Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Oct 8, 2026: 5.25% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Motor Homes, Travel Trailers, Boats - 84 Months Loan - 5.75% 84 Months
Details Published APR range: 5.75% - 17.25%. Model Year: 2020-2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 12, 2026: 5.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Motorcycles & ATVs Loan - 5.75% 84 Months
Details Published APR range: 5.75% - 17.25%. Model Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 8, 2026: 5.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

LG&W Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Card - 7.90%
Details Published APR range: 7.90% - 16.90%. Max $15,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 7.90% APR · checked 4 times
7.40%7.90%8.40%Sep 25, 2026: 7.90% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Visa Credit Card - 7.90%
Details As Low As; Fixed rates as low as 7.90% APR; up to $15,000 credit limit; no annual fee
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 7.90% APR · checked 3 times
7.40%7.90%8.40%Oct 4, 2026: 7.90% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

LG&W Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Line of Credit 9.00%
Details As Low As; Low, fixed rate starting at just 9.00% APR; credit limit $1,000.00 minimum up to $15,000.00 maximum; $5.00 fee applies to add ons requested by phone; not all applicants will qualify
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 9.00% APR · checked 3 times
8.50%9.00%9.50%Oct 4, 2026: 9.00% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

LG&W Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
"PAL II" Loan - - 28.00%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 28.00% APR · checked 4 times
27.50%28.00%28.50%Sep 25, 2026: 28.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
30/5 Year Balloon Loan - - 6.25%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Anytime Loan - - 16.00% 12 months
Details Borrow $2,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 16.00% APR · checked 4 times
15.50%16.00%16.50%Sep 25, 2026: 16.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Anytime Loan - - 16.00%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 16.00% APR · checked 4 times
15.50%16.00%16.50%Sep 25, 2026: 16.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Computer Loan - - 9.00% 26 months
Details Published APR range: 9.00% - 18.00%. Max $5,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 9.00% APR · checked 4 times
8.50%9.00%9.50%Sep 25, 2026: 9.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Credit Builder Loan - - 12.00% 12 months
Details $1,200 loan amount
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 12.00% APR · checked 4 times
11.50%12.00%12.50%Sep 25, 2026: 12.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Credit Builder Loan - - 12.00%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 12.00% APR · checked 4 times
11.50%12.00%12.50%Sep 25, 2026: 12.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Helping Hand Loan - - 18.00%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 18.00% APR · checked 4 times
17.50%18.00%18.50%Sep 25, 2026: 18.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Line of Credit - - 9.00%
Details Published APR range: 9.00% - 18.00%. Max $15,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 9.00% APR · checked 4 times
8.50%9.00%9.50%Sep 25, 2026: 9.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Payday Alternative Loan - - 28.00% 12 months
Details $2,000 loan; $20.00 application fee
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 28.00% APR · checked 4 times
27.50%28.00%28.50%Sep 25, 2026: 28.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
IRA Account 1.00% - 1.00%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Max Money 5.84% - 6.00%
Details Balance: Up to $500.00
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.00% APY · checked 4 times
5.50%6.00%6.50%Sep 25, 2026: 6.00% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
Share Certificate - 24 Months 3.00% - 3.00% 24 Months
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
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.
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Financial Health History

LG&W Federal Credit Union’s Texas Ratio stayed near 0.73% in Q3 2023 to 0.40% in Q2 2026, so its financial health has stayed 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 — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.3% 2.0★ 0.6% 3.0★ 1% 4.0★ 1.3% 5.0★ Healthy zone – entire history below the 15% limit 0.73% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.40% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$115M0.40%5.0A+
March 31, 2026$116M0.62%5.0A+
December 31, 2025$112M0.44%5.0A+
September 30, 2025$111M0.43%5.0A+
June 30, 2025$111M0.66%5.0A+
March 31, 2025$112M0.94%5.0A+
December 31, 2024$109M0.86%5.0A+
September 30, 2024$111M0.13%5.0A+
June 30, 2024$111M0.21%5.0A+
March 31, 2024$111M0.74%5.0A+
December 31, 2023$108M0.61%5.0A+
September 30, 2023$108M0.73%5.0A+
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 LG&W 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 LG&W 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 LG&W Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LG&W Federal Credit Union
Website https://www.lgwfcu.com
Address 1616 Whitten Rd, Memphis, TN 38134
Phone 901-680-7995
Fax 901-680-7998
President Jane Carvin
CEO Diana Veazey
Full-Time Employees 15
Part-Time Employees 0
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+ (100/100)
Texas Ratio
0.40%
Return on Assets (ROA)
0.6499%
Return on Equity (ROE)
2.9942%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
115,133,265
Total Amount of Shares and Deposits
90,973,409
Total Shares and Deposits < 1 Year
89,363,391
Total Shares and Deposits 1 3 Years
1,592,562
Total Shares and Deposits > 3 Years
17,456
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,541,559
Total Uninsured Shares and Deposits > $250K (F+J)
6,541,559
Total Insured Shares and Deposits > $250K (item 17 less item K)
84,431,850
Total Interest Expense (Sum of items 6 8)
581,827
Share Certificates
446
Number of Accounts for Share Drafts
2,864
IRA KEOGH Accounts
240
Number of Accounts for Regular Shares
6,006
Money Market Shares
459
Net Income (unless the amount is already included in Undivided Earnings)
748,306
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)
15,755,713
Total Liabilities
91,767,259
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

LG&W Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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0
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Frequently Asked Questions About LG&W Federal Credit Union

How many branches does LG&W Federal Credit Union operate?

LG&W 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 LG&W Federal Credit Union?

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

Does LG&W Federal Credit Union offer online and mobile banking?

Most modern institutions like LG&W 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.lgwfcu.com.

Current LG&W Federal Credit Union Rates

  • 12-Month CD3.50%
  • 24-Month CD3.00%
  • 60-Month CD2.25%
  • Savings0.20%
  • MMA1.50%
Retrieved from our database of financial products. Rates subject to change.

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